# Lending Platforms

Congruit has partnered with several large lending platforms including:

- Decision Cloud
- Tekambi
- Lokyata
- others on request


Lending platforms usually require the customer to login to their platform and:

- add a new call in the underwriting waterfall for your desired Portfolio
- select the Congruit solution to insert
- provide Congruit authorization/login credentials (get `client_id` and `client_secret` from [Congruit's portal](https://manage.congruitcredit.com) for this Organization the Portfolio belongs to)
- select, or ask your Account Manager for, which `Explan_id` to insert (sometimes called Control File) from the available Portfolio Explans
- activate to begin traffic


These platforms typically provide simplified underwriting controls in their user interface. These controls allow the customer to focus on key attributes from each product, typically combined into a formula to identify specific consumer behavior. The formula result can be Boolean or a numeric score between 0 and 1000. These key attributes are gathered in a special section of the response: `report/indicators` and the lending platform displays them as `base1` through `base10`. Your Account Manager will help you identify which of the indicators are appropriate for your underwriting goals.

Screenshot Indicators.png
Customers who integrate directly to Congruit or use different platforms can ignore the indicator section and ingest the full range of product attributes.