The rise of the digital, on-demand economy has led borrowers to expect instant credit decisions when they apply for financing. That expectation is shining a stronger light on the benefits of alternative deal structures.

Alternative deal structures can be a key strategy for lenders to meet borrower expectations of faster decision times, more options and flexible terms. To make it work four distinct technology components need to work together to execute the strategy. This paper explores those four components and the benefits of providing several finance options in response to a single credit request to today's borrower:

  1. Loan origination system
  2. Decision engine
  3. Pricing engine
  4. Borrower and dealer portals


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Pricing Program Advantage

Pricing Program Advantage from Fiserv provides consumers a better rate shopping experience, dealers and brokers greater visibility into each transaction, and lenders a flexible tool to deliver the experience.

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