12.6 Phase 6 — Multi-partner / multi-lender

Goal

Move from one or two co-lending partners to a portfolio of three to five partners with intelligent allocation and balanced economics.

Features

• Multi-partner allocation engine — capacity-aware + priority + diversity rules.
• Partner-loadout configuration — per partner: product set, segment, ratio, fee, settlement frequency.
• Inter-partner balancing — avoid concentration on one partner.
• Per-partner P&L view for own books.
• Per-partner SLA management.
• Partner exit playbook — buyback / substitution / wind-down procedures tested.

Integrations

• Two to three additional partner integrations.
• More sponsor-bank-side capabilities if multiple escrows.

Team

• Add 2 – 3 partner-ops staff.
• Add 1 – 2 engineering on partner integration.

Time

4 – 6 months.

Build vs buy

• Multi-partner allocation: Build (your IP).
• Partner integration generalisation: Build (template + per-partner config).

Acceptance criteria

• 3+ partners live.
• Allocation engine balances by capacity and priority.
• No single partner exceeds defined concentration cap.
• Operating cost-per-loan flat or improving despite more partners.

Risks

• Operational complexity overwhelms ops team.
• Partner-policy divergence → high refer rate.
• Reconciliation pain multiplied.

Go / no-go for Phase 7

• Stable multi-partner operations.
• Platform candidate for productisation.