1. R.C. Giltner Services, Inc.
Consumer Digital Lending
for Revenue and Efficiency
R.C. Giltner Services, Inc.

2. The Opportunity
​Liquidity is the key need of transacting households as defined by studies by both the Center for Financial Services Innovation and Chase. Households need both small loans and revolving credit to meet ongoing challenges and life purchases.
Source: Chase/CFSI Study

3. The Challenge
While financial institutions have overlooked the small business market, non bank competitors are experiencing high growth.  Community banks are down $4.5 Billion in small business lending in the last four years, while digital lenders are up $10 Billion.

4. The Solution
Digital lending allows you to compete with credit card companies and non-bank digital lenders to keep your existing relationships and drive new revenue.
Your brand and loans.
Your branded service.
Your graphic selection.
Online underwriting and set up.
Ongoing loan risk rating and monitoring.
Admin. and operations control.

5. Underwriting, Risk-Rating and Monitoring
​​Our digital technology leverages proven bank existing underwriting methods.  Further, it applies your risk-rating standards and automatically monitors loans, deposit activity, and credit information, and handles loan renewals. .

6. Sales, Marketing and Delivery
​​We turn your entire retail team into a digital lending sales force requiring no lending knowledge and built-in compliance.  Our turn-key implementation includes defining direct, branch and digital marketing strategies to drive results.  We provide training, tracking reports and google analysis of visits and conversions. .

7. Our Digital Lending Process
Demo of Our Cloud-Based, Digital Loan Technology Platforms