Your marketing team invests significant time and resources into loan campaigns—crafting targeted emails, developing compelling social media content, and designing direct mail pieces that generate qualified leads. But what happens when a pre-approved member receives that perfect loan offer? Too often, the momentum stalls. Application processes require multiple steps, manual reviews create delays, and members abandon the opportunity before completion.
Click-to-Fund transforms these high-potential moments into immediate conversions. By automating the entire loan booking and funding process for pre-approved members, this solution helps credit unions capitalize on every marketing investment and turn member interest into completed loans.
The Hidden Cost of Loan Application Friction
Even when credit unions successfully identify and pre-approve members for loan products, conversion rates suffer due to process friction. Members may need to visit a branch, complete lengthy web loan applications, or wait days for final approval and funding. Each additional step creates another opportunity for members to reconsider, compare alternatives, or simply lose interest.
The impact extends beyond individual lost opportunities. Your marketing team’s conversion metrics decline, loan portfolio growth slows, and the cost per acquisition rises. Meanwhile, members who could benefit from your loan products may seek faster alternatives from competitors who offer more streamlined digital experiences.
Traditional loan processes also burden your staff. Loan officers spend valuable time on administrative tasks—processing paperwork, verifying information that’s already in your core system, and coordinating funding logistics. This manual work reduces their capacity for higher-value activities like member consultation and relationship building.
How Click-to-Fund Creates Frictionless Loan Conversions
Click-to-Fund eliminates process barriers by fully automating loan acceptance, documentation, and funding for members your credit union has already pre-approved. The solution integrates directly with your core banking system, creating a seamless path from loan offer to funded account.
Here’s how the automated workflow operates:
Member Acceptance Through Online Banking: Pre-approved loan offers appear directly in the member’s online banking interface. Members can review terms, loan amounts, and payment details without leaving their digital banking session.
Instant Document Presentation: When a member accepts an offer, Click-to-Fund immediately presents all required loan documents for electronic signature. No printing, scanning, or branch visits required.
Automated Core Integration: Once documents are signed, the solution automatically creates the loan record in your core system, processes the booking, and initiates funding. Loan documents are simultaneously saved to your core and imaging system for compliance and record-keeping.
Immediate Member Access: Members receive funded loans quickly, often within the same session. This speed reinforces your credit union’s value and creates positive experiences that drive long-term loyalty.
Strategic Benefits Across Your Organization
Click-to-Fund delivers measurable value at every level of your credit union:
For Marketing Teams: Dramatically improved conversion rates on loan campaigns. When members can accept and receive funding immediately, your marketing ROI increases substantially. You can accurately measure campaign effectiveness and optimize offers based on real acceptance data rather than application starts.
For Loan Officers: Reduced administrative workload frees staff to focus on complex lending scenarios, member consultation, and relationship development. Automated processing eliminates manual data entry and reduces errors that can delay funding.
For Members: Instant gratification meets financial need. Members appreciate the convenience of accepting loan offers without additional applications or waiting periods. This frictionless experience strengthens their perception of your credit union as modern and member-focused.
For Leadership: Accelerated loan portfolio growth, improved efficiency metrics, and enhanced competitive positioning. Click-to-Fund helps credit unions compete effectively against larger institutions and fintech lenders who emphasize speed and convenience.
Ideal Use Cases for Maximum Impact
Click-to-Fund works particularly well for non-collateralized loan products where credit decisions can be made in advance. Common applications include:
- Personal loans for debt consolidation or major purchases
- Credit card balance transfers to bring deposits and relationships in-house
- Holiday or vacation loans aligned with seasonal campaigns
- Home improvement loans for smaller projects
- Vehicle refinancing to capture existing borrowers from other institutions
The solution also supports strategic cross-selling initiatives. When you identify members who could benefit from loan consolidation, vehicle refinancing, or other products, Click-to-Fund enables immediate action on those opportunities.
Measuring Success and Optimizing Results
Credit unions using Click-to-Fund gain valuable insights into member behavior and campaign performance. By tracking acceptance rates, time-to-funding, and member satisfaction, you can continuously refine your loan offer strategy.
Key metrics to monitor include:
- Pre-approval to acceptance conversion rate
- Time from offer presentation to funded loan
- Member retention rates post-funding
- Cross-sell success rates for additional products
- Staff time savings on loan processing
These insights help you identify which loan products resonate most with specific member segments, optimize pricing and terms, and refine targeting for future campaigns.
Building a Faster Path to Loan Growth
Loan growth doesn’t just happen through better marketing—it requires removing barriers between member interest and completed transactions. Click-to-Fund addresses this critical gap by automating the entire post-approval process, allowing your credit union to capture more opportunities from every campaign.
When members experience instant loan acceptance and funding, they recognize your credit union as a modern, responsive financial partner. Your marketing investments deliver stronger returns, your staff operates more efficiently, and your loan portfolio grows sustainably.
At IMS Integration, we built Click-to-Fund to help credit unions turn marketing momentum into measurable results. Our core-integrated solution automates complex workflows while maintaining the accuracy and compliance your credit union requires.
Ready to transform your loan growth strategy? Contact IMS Integration today to schedule a Click-to-Fund demonstration.
