Dealer Management

The salesperson closes the deal. The homeowner signs for it. Every time.

OneApp Finance gives your contractors a clean way to enroll, get certified, and get paid, while the platform keeps watch on standing, releases money in stages, and protects the homeowner if a dealer goes bad. The dealer is the single most concentrated source of origination risk. This is how you manage it.

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Self-serve onboarding

From apply link to fundable dealer, in one guided wizard

The deal is born at the kitchen table: a salesperson in someone's living room, working for the home-improvement business that controls the sale, the device, and the claim that the work is done. That makes the dealer the most concentrated source of origination risk on the platform. Onboarding is where you take control of it: a resumable, step-gated wizard where the dealer captures and submits evidence and your team and chosen vendors adjudicate. No trust tier is ever self-assigned.

Create the account. An invite link or a public apply link starts it. The dealer creates an account against their own email and phone, consent-first from the first screen.
Business profile + KYB. Legal entity, EIN, formation state, and beneficial owners. The platform verifies the business is real, not a shell.
Licenses & insurance. The state-by-state contractor/HIC license matrix and a general-liability certificate, checked current and validated against the issuing authority where a source is bound.
Banking. The deposit account that will receive payouts, with the account holder name matched to the legal entity.
Sign the dealer agreement. A versioned, e-signed agreement with demonstrable consent, the same evidence discipline OneApp Finance applies to borrower documents.
Seat the reps + certify. Add salespeople and send each one a certification invite to their own contact. At least one rep must certify before anyone can submit, and certification is server-authoritative, scoped to a program, and dated.
Go live. Once verification clears and a rep is certified, the dealer is active and fundable. A live status board shows exactly what's pending and who owns the next move.

What clears the gate

KYB + beneficial-owner + license + insurance: four verification legs
OneApp Finance re-runs its own sanctions check on the business and each owner; a hit is a hard stop with no override
Verification vendors are pluggable, with none baked in
Outcomes are pass, refer, or fail: "unverifiable" routes to a human, never a silent pass
Active ≠ can submit: a certified rep is required, and a lapsed cert blocks the next step even mid-project

The standing machine

Six states. Four trust tiers. One source of truth.

Trust tier governs how a dealer's draws are reviewed; standing is whether the dealer is in good standing at all. Two different axes, never confused.

standing states a dealer moves through: prospective, active, probation, hold, suspended, terminated.

trust tiers that govern how draws are reviewed, from probation to standard, trusted, and channel-partner-managed.

verification legs in the onboarding gate: business identity, beneficial owners, licenses, and insurance.

Standing, the way it should work

The machine can freeze instantly. Only a human can punish.

The governing rule is designed to keep speed and due process from fighting each other: the machine may freeze and propose; only your dealer-risk role disposes. Hard, high-confidence signals, such as confirmed fraud, a license lapse, a clawback-threshold breach, or a bank or regulator alert, flip a dealer to a reversible hold immediately. And standing is built to be re-checked at the moment money moves: when a funding instruction is about to leave for the bank, the platform re-reads standing transactionally, right then. Latest wins, and an unknown or failed lookup fails closed to suspended.

Auto-HOLD. The only state the machine sets itself. A reversible, time-boxed freeze on hard signals, with a light freeze-notice. Freeze first, investigate fast.
Auto-PROPOSE. On softer, trending signals like complaints, disputes, and completion issues, the platform raises a ranked work item, worst-first. It never changes standing on its own.
Human DISPOSE. Every formal probation, suspension, termination, and restore requires your dealer-risk role under maker ≠ checker, with an evidence set. No machine ever auto-suspends.
Full due process. Formal adverse standing carries a notice with the basis, typed cure conditions, a deadline, and an appeal path to an independent reviewer. The reversible hold is the only carve-out.

Re-checked when money moves

Standing is re-read transactionally at the money edge, not from a cache, not from an intake snapshot
Latest wins: active at stage one but suspended at stage two binds to suspended, with no grandfathering
An unknown or failed lookup is treated as suspended and fails closed
The block at the money edge is built so it can't be attested away
Machine freezes and proposes; only a human disposes. No auto-release, no auto-suspend

Transparent economics

Every dealer sees exactly what they net, and why

Dealer-fee opacity is one of the category's oldest liabilities. OneApp Finance turns it into a transparent control. The dealer's economics screen shows the same numbers your operations team reconciles against, sourced straight from the funding ledger, never a loose client estimate. The math is simple and always visible: amount, minus fee, minus holdback, equals net. And money moves in stages tied to the work, with a slice held back and released on verified completion.

Amount − fee − holdback = net. Loan amount, the program fee in percent and dollars, the holdback held until completion, and the net payable now, line by line.
The fee is in the rate. The dealer's fee is folded into the real, TILA-correct rate the homeowner sees, never hidden in a separate, invisible markup.
Holdback, explained. A slice of each stage is held back and released on verified completion. The dealer sees the percentage, the balance, and the release condition.
Clawback, in the open. Any active clawback for fraud or non-completion shows the amount, the reason, and how it nets against future payouts, with nothing buried.

The line the dealer sees

Amount
− Program fee (folded into the disclosed rate)
− Holdback until verified completion
= Net payable now
Staged draws release the rest as the work is proven done

Stranded-borrower protection

If a dealer is pulled mid-job, the homeowner is protected

A stranded borrower is a homeowner with a funded loan, incomplete work, and a dealer just suspended or terminated. The platform is built to detect it the moment standing flips, freeze further payouts to that dealer, open a remediation case, and notify the homeowner on their own device: you are protected. The operator chooses the path per case. OneApp Finance owns the project and the payouts, but any change to a funded loan's terms is true servicing, handed to your servicer of record. The platform does origination only.

Reassign the job

Re-point the remaining draws and holdback to a different, in-good-standing dealer who finishes the scope, without changing the homeowner's rate, term, amount, or schedule.

Operator-managed completion

You arrange completion with your own crews or a managed vendor. The platform re-points the payouts; it never becomes the contractor.

Unwind and cancel

Cancel un-emitted instructions and dispose held draws. A loan not yet boarded can be canceled; a boarded loan is servicing's domain.

The homeowner never absorbs the loss first

The suspended dealer's frozen holdback absorbs the completion cost first, then clawback, then the lender's reserve. The homeowner is never the absorber of first or second resort.

Straight answers

Questions operators ask

Is OneApp Finance the lender?

No. OneApp Finance is licensed software. You bring the capital, bear the credit risk, and run the program. It is never the lender-of-record and never the consumer brand. Every dealer- and homeowner-facing screen wears your brand.

Can a salesperson approve the loan for the homeowner?

No. The salesperson drives the deal cockpit, covering project, scope, amount, and the homeowner's information, but identity, consent, and payout sign-off always happen on the homeowner's own device. That line is built to be structural, not a setting.

What happens if a dealer is suspended between draws?

The next draw is blocked, and any in-flight draw caught mid-process is held for review, never auto-funded, never auto-cancelled. A human disposes it; a restore re-evaluates with a fresh homeowner re-bind.

Can a trusted dealer skip homeowner sign-off?

No. No trust tier, configuration, partner, or override is meant to switch off the homeowner-on-their-own-device authorization or the rule that the contractor is never the sole proof of completion. Those are floors, not features.

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