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evoLending: find a loan you can actually afford. At evoLending, we believe consumer lending needs to evolve to work for everyone: borrowers and lenders. The key to that is only giving loans that help people solve their problems, not create new ones. That's why we have developed a platform that ensures people in need of short-term cash can select from a variety of loan options they can actually afford. The Evolution Platform was built from the ground up to be fully compliant with the CFPB's proposed Payday Lending Rule, including the Ability to Repay test and other loan restrictions. It allows lenders to select from related loan offerings and prioritize offerings. It also offers modules to handle required borrower notifications, loan servicing, support, credit bureau reporting, and file archiving for compliance review. In addition to evoLending's direct lending business, The Evolution Platform was designed to enable our bank, credit union, and FI channel partners to help their borrowers get into loans that are both affordable and profitable. We enable a variety of partnership models: leveraging our technology platform via APIs, offering our complete solution as a white label product with your own funding to protect your brand and relationship with your customers, and a referral service for financial institutions who opt not to offer this category of lending products themselves but whose customers still have a need for a trustworthy, affordability-focused lender such as evoLending. evoLending - the evolution of personal lending