01
Lead quality
Phone, email, ID, and IBAN format checks run before submit returns. Garbage never reaches your underwriting queue.
Lead infrastructure — not a lead network
Get every applicant to the lender most likely to fund them.
We model how each lender funds — risk band, amount, time of day — and route every applicant to the partner most likely to convert. You pay for outcomes, not impressions.
What you get
Three things every lender asks us about.
02
Routing intelligence
We model your funding behavior — risk band, amount tier, geography, time of day — and send applicants you actually fund. Not the network's leftovers.
03
Compliance & GDPR
Every consent, every routing decision, every API call is timestamped and queryable per applicant. When a regulator asks, you have the answer.
How it works
Why we route differently
Most lead networks ping lenders top-down: highest CPL gets the lead first, second-highest gets it on decline, and so on. The architecture made sense in 2010. It does not anymore.
Centeo models each lender's funding probability for the specific applicant — risk band, amount tier, geography, day of week — and sends to the lender most likely to actually fund the loan. Not the highest bidder. The highest converter. Higher fund rates for you, less waste, fewer dead applications in your queue.
Pricing
Pay for outcomes, not for traffic
Most networks charge a fixed CPL whether the applicant funds or churns. We charge per outcome — funded loan (CPS), accepted application (CPA), or qualified lead (CPL) — your choice, set in contract.
We eat the risk on traffic that does not convert. Your unit economics finally line up with what you actually pay for.
Stop paying for traffic that doesn't fund.
Send us your accept criteria. We'll respond within one business day with a sample feed sized to your risk profile.
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