# Platform Overview

Peach provides a modern, API-first lending platform that enables lenders to launch, scale, and adapt their lending programs. Through our unified platform, you can manage the complete lending lifecycle - from loan origination through servicing and collections.

## Core Components

### Loan Management Engine

At the foundation of our platform is our flexible loan management engine built to support any lending product:

### Loan Management

- 200+ configuration parameters for loan product behavior
- Support for installment loans and lines of credit
- Flexible interest calculations and fee structures
- Payment waterfall rules and processing
- Real-time API access and webhooks
- Loan Replay™ technology for retroactive changes


### Borrower Management

- White-label borrower portal for self-service
- Payment method management and processing
- Document upload and storage
- Communication preference controls
- Profile and contact information management


### Collections & Servicing

Our integrated servicing solution combines tools for managing borrower relationships:

### Customer Relationship Management

- Customizable case management workflows
- Task routing and queue management
- Multi-channel communication tracking
- Compliance monitoring and controls
- Document verification processes
- SLA tracking and reporting


### Agent Tools

- Mirror of borrower portal interface
- Enhanced servicing capabilities
- Payment and refund processing
- Loan modification tools
- Account management features
- Custom dashboard integration


### Native Collections

- First-party collections management
- Payment plan creation tools
- Hardship program workflows
- Communication campaign tools
- Collection strategy automation
- Performance analytics


## Key Features

### Loan Replay™

Enables retroactive changes while maintaining accurate accounting:

- Payment failure handling
- Interest rate adjustments
- Fee modifications
- Payment reallocation
- Special program enrollment


### Compliance Monitoring

Built-in compliance monitoring system:

- Regulatory requirement tracking
- Communication restriction management
- Outbound message review
- Status change monitoring
- Rule engine enforcement


## Technical Architecture

### API-First Design

All platform functionality is accessible via REST APIs:

- Comprehensive endpoint coverage
- Consistent request/response patterns
- Detailed error handling
- Webhook notifications
- Real-time event streaming


### Data Access

Multiple options for accessing your data:

- Real-time API queries
- Data file delivery (Parquet)
- Standard loan tapes
- Custom reporting
- Event subscriptions


### Security & Compliance

Enterprise-grade security features:

- SOC 1 Type 1 & 2 compliance
- SOC 2 Type 2 compliance
- PCI DSS Level 1 certification
- HIPAA compliance
- Role-based access control
- Data encryption


## Getting Started

Before diving into implementation, you'll need:

1. **API Credentials**: Obtain your API key for sandbox access
2. **Testing Environment**: Set up your sandbox environment
3. **Configuration Details**: Get your loan type ID and other required parameters
4. **API Testing Tool**: We recommend using Postman for testing API calls


### First Steps

1. Start with our [Quickstart Guide](/getting-started/quickstart) to make your first API calls:
  - Create a borrower record
  - Add contact information
2. Explore core documentation:
  - [Loan Management](/loan-lifecycle/) for configuration options
  - [Collections & Servicing](/servicing-operations/) for servicing capabilities
  - [API Reference](/api-docs/api-public/#section/Introduction) for detailed endpoint documentation
3. Plan your implementation:
  - Review integration requirements
  - Test thoroughly in sandbox
  - Prepare for production deployment


## Support & Resources

- API Reference: [docs.peachfinance.com/api](https://docs.peachfinance.com/api)
- Implementation Support: Your assigned implementation engineer
- Technical Support: [support@peachfinance.com](mailto:support@peachfinance.com)