Disciplined Lease Financing
at Point of Sale
Technology-enabled consumer leasing built for merchants who value compliance, clarity, and control. Flintlock applies defined underwriting guardrails and produces structured lease disclosures designed for auditability.
Why Flintlock
Flintlock was built on a simple principle: consumer lease programs should be clear, controlled, and audit-ready. Every approval follows defined rules. Every exception is logged.
Program guardrails
Designed to be disciplined, configurable, and easy to explain to partners.
Precision in structure. Discipline in underwriting.
Flintlock’s platform is built to support compliant point-of-sale leasing with documented policies, clear merchant responsibilities, and audit-ready tracking.
Compliance-forward
Consumer lease model structured with Reg M disclosures in mind. Clear presentation of payment schedule, total of payments, and purchase option terms.
Tech-enabled
Policy-driven decisioning, role-based access controls, and event-level logging designed to support partner diligence and operational consistency.
Merchant-practical
Simple submission, transparent status updates, defined documentation requirements, and a framework that respects the merchant relationship.
How it works
A straightforward, controlled process from point of sale to structured lease offer.
Approved merchants initiate a lease request at point of sale and confirm required eligibility conditions prior to application.
The applicant provides identity and financial information through a structured workflow governed by predefined underwriting criteria.
If approved, a consumer lease offer is generated with structured disclosures, including payment schedule, total of payments, and purchase option terms.
Lease framework
Consumer lessor model designed for clarity, controls, and partner diligence.
Consumer lease model (Reg M structured)
Flintlock operates as a consumer lessor. Lease disclosures are structured in alignment with Truth in Leasing (Regulation M) concepts.
Program guardrails
Default policy settings shown below are configurable for approved programs.
Built for merchants
A lease program that respects the merchant relationship while maintaining disciplined controls.
Merchant workflow
Flintlock’s merchant framework is designed for clarity and operational simplicity.
Program overview
Ticket size up to $12,000. Term caps enforced automatically by policy. Merchant responsibilities and eligibility gating are defined as part of onboarding.
Risk & controls
Underwriting is policy-driven. Overrides are recorded. Every event leaves a record.
Decisioning
Decision outcomes are based on credit threshold validation, identity verification status, fraud indicator review, and configured program rules.
Auditability
Administrative actions, where permitted, are recorded with timestamped audit entries to support internal controls and partner diligence.
Access controls
Role-based access controls are designed to segregate consumer, merchant, and administrative functions. (Demo environment includes simulated roles.)
Demonstration environment
Illustrative sandbox for banks, investors, and merchants. No real transactions occur.
What the demo shows
Enter demo
In Phase 1, the demo is a simulated environment with seeded personas. In Phase 2, we add database-backed roles, applications, and audit events.