Modern messaging for lending and servicing
SBT runs acquisition campaigns, moves applications to funded, and collects payments from one platform.
More funded, more collected
Borrowers live on their phones, not in their inboxes. SBT reaches them at every step, from the first campaign to the final payment, on a channel your compliance team already approved.
MARKETINGTurn one loan into the next one.
A borrower in good standing sees the refinance offer in the same thread.
- ORIGINATION
Raise your pull-through rate.
MMS brings back pay stubs and IDs as photos, so files stop stalling.
- PAYMENTS
Collect more of what is due.
TextPay takes the payment in the thread, with no portal login.
How leading lenders put SBT to work
-
Campaign response
Keywords turn a campaign reply into a started application.
-
Statements and balances
SmartURL® links reach borrowers instead of a spam filter.
-
Document requests
Pay stubs and IDs come back as photos rather than uploads.
-
Consent tracking
Opt-ins and revocations stay tracked across the whole book.
-
Abandoned applications
Borrowers return to the step they left with progress saved.
-
Delinquency alerts
Deactivation Logic® catches a reassigned number in advance.
49%
of Gen Z & Millennials would leave a lender that doesn’t text
70%
of consumers say text is the easiest way to pay a bill
85%
of consumers are more likely to pay on time after a text reminder
The platform behind the conversation
Accept payments, manage compliance, and communicate with customers through a single text-based platform.
