Fortify provides an embedded lending platform that lets colleges and trade schools integrate compliant student loan products directly into their enrollment systems. The solution handles loan origination, underwriting, servicing, and regulatory compliance while offering a real‑time dashboard for receivables and repayment performance. By automating financing, institutions can reduce administrative overhead and expand enrollment with pay‑later options.
Funding
Funding not disclosed
Founders
Product
Problem
Educational institutions often face low enrollment because prospective students lack affordable, compliant financing options, and schools must manage complex loan servicing, regulatory compliance, and administrative overhead when offering payment plans.
Solution
Fortify delivers an embedded lending platform that lets schools integrate customizable student loan products directly into their enrollment workflow. The service handles loan origination, legal compliance (including TILA and NMLS requirements), and full portfolio servicing, removing the need for in‑house payment‑plan administration. Institutions can select term ranges and interest structures, and Fortify provisions the loan overnight, enabling “pay‑later” financing without upfront fees. A web‑based dashboard provides real‑time visibility into receivables, repayment performance, and portfolio health, allowing finance teams to focus on recruitment rather than loan management. The solution also supports one‑click financing for cash‑out early scenarios, helping schools improve cash flow while offering students transparent, affordable payment options.
Target Audience
The primary customers are higher‑education institutions—colleges, universities, and trade schools—and their finance or student‑services departments that need scalable, compliant financing solutions for prospective and current students.
Features
- Embedded API and UI widgets that integrate loan offers into existing enrollment or ERP systems with minimal development effort
- Fully compliant loan products (TILA, NMLS, state usury laws) managed by Fortify’s legal and servicing team
- Customizable term and interest‑rate structures; loan programs can be launched within 24 hours
- End‑to‑end portfolio management, including underwriting, disbursement, repayment tracking, and collections
- Real‑time analytics dashboard showing receivable balances, delinquency trends, and cash‑flow forecasts
- Zero flat‑fee monthly pricing and no upfront implementation costs; fees are tied to loan performance
- Automated student application flow with average completion time of ~4 minutes and instant decisioning
- Secure, HIPAA‑ and PCI‑compliant data handling with role‑based access controls