Private lenders and brokers face unique challenges in qualifying potential borrowers quickly, efficiently, and with minimal risk. Whether you’re matching clients to funding options, pre-qualifying leads, or offering direct financing, having instant access to accurate credit data is critical for making informed decisions and closing deals faster.
Soft Pull Solutions empowers private lenders and brokers with cutting-edge tools to simplify pre-qualification, reduce costs, and maintain a competitive edge—all while protecting your clients' credit scores.
Services We Support:
Private Lenders
Brokers
Commercial Loans
Personal Loans
SBA (Small Business Administration)
Banks
Credit Unions
Installment Loans
Revolving Loans
Collateral Loans
Auto Refinance
Home Improvement Loans
Credit Cards
Accounts Receivables Financing
Franchise Financing
Merchant Cash Advance
Other
Key Advantages with Soft Pulls
Soft Pull Solutions provides private lenders and brokers with several key benefits that make our services indispensable for the lending process. Here are the top advantages tailored to your industry:
No Impact on Credit Scores
Soft credit pulls allow you to assess a client’s financial profile without affecting their credit score. This means you can pre-qualify borrowers with confidence, knowing you’re not putting their credit at risk.
Avoid Impacting Consumer’s Credit in Any Way
Evaluate credit information without affecting the client’s credit score or triggering any negative impacts.
Full Credit Report + FICO® Score
Gain access to a comprehensive credit report and FICO® Score, ensuring you have the data needed to evaluate borrower eligibility accurately and efficiently.
Save 40% or more on Credit Reporting Costs
Soft pulls are significantly more cost-effective than hard pulls, allowing you to allocate resources more effectively while maintaining high-quality credit insights.
No Social Security Number Required
With just a name and address, you can perform a soft credit pull. This simplifies the process and reduces friction for both you and your clients.
Avoid Trigger Leads
Because soft pulls do not place a hard inquiry on a client’s credit report, your competitors won’t be notified that your client is seeking a loan, protecting your leads from poaching.
Streamlined Pre-Qualification
Pre-qualify borrowers instantly and identify credit-qualified prospects, helping you focus your time and efforts on leads most likely to close.
Additional Features for Private Lenders & Brokers
Public Records Access: View bankruptcies, liens, judgments, and other public records to assess risk more effectively.
Collections Data: Identify any collection accounts that may impact a borrower’s ability to repay.
Tradeline Insights: Access detailed tradeline data to gain a comprehensive understanding of a borrower’s financial health.
Employment Verification: Confirm employment information to support lending decisions.
Bank Account and Income Data: Merge additional financial information for a deeper borrower analysis.
Why Private Lenders and Brokers Choose Soft Pull Solutions
Our robust platform integrates seamlessly into your existing workflows, offering APIs that connect to trusted bureaus—Experian, Equifax, and TransUnion—to deliver real-time credit data. Whether you need a standalone solution or an integrated pre-qualification tool, Soft Pull Solutions provides the flexibility and functionality to meet your needs.
Advantages of choosing Soft Pull Solutions:
1. Quick and Accurate Credit Insights
Get real-time access to credit data, empowering you to make faster and better lending decisions.
2. Enhanced Borrower Experience
Build trust with your clients by offering a pre-qualification process that protects their credit and simplifies their journey to funding.
3. Cost-Effective Solutions
Save money on credit reporting without sacrificing accuracy or compliance.
4. Improved Lead Conversion
Identify qualified leads instantly and focus your efforts on borrowers ready to move forward, boosting your conversion rates.
Take Control of Your Lending Process
Stop relying on clients to provide their own credit reports or wasting resources on unqualified leads. With Soft Pull Solutions, you can take control of the pre-qualification process, gain deeper insights, and close more deals faster.
Contact Soft Pull Solutions today to learn how we can help you grow your business with our secure, cost-effective credit reporting tools.
Additional Reports & Features
When you sign up with Soft Pull Solutions, you’ll have access to a variety of other detailed reports and services designed to meet your specific business needs. Click the button to view a full list of reports available to your account or to schedule a meeting.
Difference Between Soft & Hard Pulls
| What Is Different? | Soft Pulls | Hard Pulls |
| Impact on consumer credit? | No | Yes |
| Social Security Number required? | No | Yes |
| Date of Birth required? | No | Yes |
| Does running an inquiry create trigger leads? | No | Yes |
| Do you need to print a Risk-Based Pricing Notification and give it to the consumer after you pull the report? | No | Yes |
| Is it a full credit report? | Yes | Yes |
| Is a FICO Score included with the report? | Yes | Yes |
| Is the report sufficient for tenant screening purposes? | Yes | Yes |
| Can I get consent over the phone? | Yes | Yes |
See the Difference Firsthand
Click below to view a sample of a soft pull credit report