TakeBack Loans
Loans that build relationships, not just balances.
Add Take-backs to all of your loans and get wins across the board.
A Better Loan Experience
Traditional loans force borrowers to choose between discipline and flexibility. Take-Backs remove that tradeoff by giving borrowers a way to pay ahead when they can and access those funds later when life happens. For banks and credit unions, that flexibility translates into deeper engagement, stronger retention, and healthier loan performance without changing your core lending strategy.
Engagement Over Origination
Most loan products are designed for origination, not for the life of the relationship. After funding, engagement drops. Borrowers fall off from digital banking, set up autopay elsewhere (if at all), and the next meaningful interaction is either a payoff or refinance. This is not a servicing problem. It is a product design problem.
What Take-Backs Do Differently
When borrowers pay more than required, they reduce interest and build a Take-Back balance they can access later without fees, penalties, or refinancing. This changes borrower behaviour:
Why This Matters
Take-Backs are not just a feature. Take-backs change loan behavior. Borrowers feel more in control, institutions see better-performing portfolios, and relationships that last longer.
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