FINTEKFLOW

B2B · Real estate professionals

Don't chase tire-kickers — close FQLs (Financial Qualified Leads)

Join a double-blind FQL auction where every lead has verified Open Banking income and federal ATR math. Bid on documented purchasing power—not guesswork—pay only when you win, and stay shielded under ECOA, TILA, and GLBA.

Double-blind FQL marketplace · Private professional network

Access the First Auction of Financially Qualified Leads (FQL).

Listing sites excel at discovery. FintekFlow matches professionals with Financial Qualified Leads (FQL) documented through Open Banking and federal ATR standards.

  • You only get notifications when an organic lead in your ZIP has connected their bank via Plaid and cleared federal ATR math.
  • Blind bids (double blind): Remove bias. Bid based purely on the client’s math (budget, DTI, down payment)—with safeguards under the Equal Credit Opportunity Act (ECOA).
  • Pay-to-reveal: Joining the FintekFlow network is free. You pay a flat reveal fee only if the client selects your offer among competing agents.

Sales-Saver Engine

Turn a "No" into a closed deal — before the client walks away.

When federal ATR math flags a lead, FintekFlow does not dead-end the pipeline. Agents get live rescue paths, reverse buying-power math, and MUW shields — all under ECOA and GLBA.

Live Restructuring

Interactive DTI rescue recalculates down payment, term, and monthly P&I in real time — no re-keying.

Reverse Buying Power

Back-solve the maximum financeable principal from declared income, debts, and down payment (Buying Power Gate V58).

Multigenerational Income Stack

Combine W-2 and 1099 household income with co-borrower identity gates — one DTI, one FQL.

Smart Down-Sell to Chattel / Lots

Algorithm pivots to manufactured homes, chattel, or land when traditional mortgage math does not fit.

Manual Underwriting (MUW) Shield

Cash / unbanked profiles route to human receipt review before any adverse action — UDAAP-safe.

For Agents, Locators & MLOs: Shift from Unverified Outreach to Documented FQL Pipeline.

The Old Way

  • Standard lead generation often surfaces volume before verified Ability-to-Repay (ATR) is documented.
  • Collect PDFs while taking on privacy risk.
  • Rely on self-declared income alone.
  • Bear the legal burden of delivering Adverse Action to the client.

The FintekFlow Standard

  • FintekFlow pre-qualification: FQLs backed by Open Banking data
  • Zero-Trust Shield (GLBA)
  • Accelerated closings (7 days)
  • Quick-Link generator
  • License protection (immutable SHA-256)

Active public plans

Pricing and benefits from the billing_plans vault (B2B institutional offers).

B2B_STANDARD

Standard B2B

Monthly SaaS access: FPQ lead engine, CRM, Sales Playbook, and MAP auctions. FFQ forensic add-ons billed separately.

$149.00USD/ month

  • FPQ Lead Engine & CRM — Vitrina, pre-cualificación paramétrica y pipeline de prospectos B2B
  • Closure Optimizer (Sales-Saver) — Live DTI restructuring, multi-buyer income fusion, and down-selling to Chattel / Lots.
  • MAP Blind Auction Access — Participación en subastas inversas con perfil financiero anonimizado (FQL)
  • Enterprise Vendor Panel — Gatekeeper B2B, enrutamiento por tenant y Master Switch UI
  • FFQ Add-ons — Billed Separately — Plaid / Checkr / OFAC forensic stack charged per certification (PAYG)

B2B_GOLD

Gold B2B · Heavy Originators

Premium MRR for high-volume agents: includes monthly FFQ forensic credits and priority routing.

$399.00USD/ month

  • Everything in Standard B2B, plus:
  • 5 FREE FFQ Certifications included per month — Plaid + Checkr + OFAC bundle per certification — rollover 30 days
  • Priority Master Switch Routing — ROUTE_2/3 queue priority for addon-execute webhook
  • White-Label ATR Certificate Branding — PDF/HTML certificates with your agency logo
  • Dedicated Compliance Support — Named CCO liaison — 4h SLA on business days
  • Volume Analytics Dashboard — MRR-safe telemetry: leads, FFQ conversions, auction win-rate
  • Manual Underwriting (MUW) Shield — Pauses Adverse Action notices and keeps you in control for forensic cash audits.

B2B_ENTERPRISE

Custom Enterprise

Custom MRR for institutional operators — unlimited FFQ volume, API, and multi-tenant vault.

$0.00USD

  • Everything in Pay-As-You-Go, plus:
  • API / Webhook Integration — Direct sync to Salesforce, HubSpot & your CRM
  • White-Label PDF Branding — ATR Certificates branded with your company logo & colors
  • Multi-Tenant Compliance Vault — Isolated audit trails per operator / property portfolio
  • Dedicated Technical Support — Named compliance engineer — SLA-backed response times
  • Custom ECOA Audit Reporting — Exportable Reg B record sets for regulatory review
  • Unlimited ATR Certifications — Volume pricing with no per-cert ceiling
  • Manual Underwriting (MUW) Shield — Pauses Adverse Action notices and keeps you in control for forensic cash audits.
GLBA · TILA · ATR · TCPA

Compliance & platform FAQ

Technical and legal answers for enterprise operators, counsel, and engineering leaders.

Our Blind Auction system transforms customer acquisition by eliminating the traditional “data broker” model. When a consumer completes their Ability-to-Repay (ATR) assessment, the system fully masks Personally Identifiable Information (PII). Instead, we publish a fully anonymous Financially Qualified Profile (FQL). You bid strictly on the mathematical strength of the prospect. When you win the auction, you gain exclusive access to the client—ensuring zero simultaneous competition, higher conversion rates, and strict compliance with the TCPA.

FintekFlow is built on a Vendor-Agnostic architecture suitable for: (1) Real estate developers and portfolio lenders to automate compliance with the Truth in Lending Act (TILA) and the ATR Rule in seller-financed sales. (2) Corporate landlords and property managers to assess cash-flow risk without Disparate Impact (ECOA/FHA). (3) Realtors and independent locators to access our marketplace of mathematically pre-qualified leads.

Under the Truth in Lending Act (TILA) and federal Ability-to-Repay (ATR) requirements, creditors must base approvals on “reasonably reliable third-party records” rather than unverified income or easily falsified documents. FintekFlow acts as an independent technical entity, using Open Banking (Plaid) to certify the applicant’s present capacity and issuing a Certificate with an Immutable SHA-256 Hash. If you face an audit, this certificate cryptographically proves that your company performed good-faith due diligence.

To comply with the GLBA Safeguards Rule, FintekFlow uses an Audit Vault in PostgreSQL with AES-256 encryption at rest and TLS 1.2+ in transit. We apply Zero-Retention, purging raw banking data immediately after the calculation. We retain only metadata and the cryptographic hash for three years for TILA audits, after which an automated, irreversible purge is executed.

Every verdict generates a certificate with an immutable SHA-256 cryptographic seal and a QR code. When auditing a file, the system requires clearing a Knowledge-Based Authentication (KBA) firewall by entering the consumer’s PIN. To prevent brute-force attacks, the file is permanently locked after three failed attempts, notifying the institution’s Compliance Officer to preserve the integrity of the evidence.