Partnership Proposal · Confidential · 2026

EPCVIP
× Rate.com

Lead Generation & Home Equity Collaboration — turning lost leads into funded loans at scale.

50,000+ daily applicants
290 lender network
$25K–$50K test budget
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Who We Are

About EPCVIP

EPCVIP is the largest consumer lead generation company in the personal loan space, connecting borrowers with a nationwide network of lenders through owned media, paid search, and proprietary technology.

We facilitate loan applications through a network of 290 lenders across the United States, owning over 2,000 brands and processing tens of thousands of applications daily.

Key Capabilities
  • Pay-per-lead & cost-per-funded models
  • API-driven lead routing & exclusion pings
  • RESPA & financial regulation compliant
  • Serving personal loans, HELOCs & debt relief
  • Proprietary optimization technology — highest EPCs in the industry
2,000+
Owned Brands
290
Lender Network
50K+
Daily Applications
Our Partner

About Rate.com

Rate.com is a nationally recognized mortgage lender focused on first lien equity products. Led by Brett — Chief Growth Officer & CEO at Rate Now — the company is rebuilding its Performance Marketing Group to drive scalable acquisition through high-quality lead channels.

HELOCs
Home equity lines of credit for homeowners seeking flexible access to equity.
Closed-End Seconds
Fixed home equity loans for borrowers who need a lump-sum payout.
First Lien Mortgages
Primary purchase and refinance products across the US market.
Debt Consolidation
High-interest loan payoff solutions backed by home equity.
Why Partner

The Opportunity

Matching high-intent borrowers with the right product at the right moment.

Massive Consumer Reach
EPCVIP processes 50,000+ daily homeowner applications — a ready pipeline for Rate.com's HELOC and equity products, already pre-filtered for property ownership.
Pre-Qualified Intent
API-driven exclusion pings identify applicants who didn't qualify for personal loans but are prime candidates for home equity solutions — delivered in real time.
Untapped Revenue Streams
Rate.com can monetize declined personal loan applicants who are homeowners — turning lost leads into funded equity loans at zero acquisition cost.
Collaboration Models

4 Partnership Types

01
Pay-Per-Lead
Fixed fee per qualified lead
EPCVIP sends pre-screened homeowner leads to Rate.com on a fixed cost-per-lead basis. Rate.com pays only for leads matching defined credit, geography, and property criteria. Billed weekly with no volume commitment.
02
Cost-Per-Funded
Revenue share on closed loans
Performance-based model where EPCVIP is compensated only when a referred applicant successfully closes a loan with Rate.com. Pure performance alignment — zero upfront cost for Rate.com.
03
API Exclusion Ping
Real-time lead routing via API
A real-time API integration where Rate.com sends exclusion pings to automatically disqualify applicants before they enter the funnel — reducing waste and ensuring only high-quality traffic reaches Rate.com.
04
White-Label Integration
Branded interstitial & funnel page
Rate.com provides a branded interstitial page embedded within EPCVIP's funnel. Applicants who don't qualify for personal loans are seamlessly redirected to explore HELOC and equity options.
Model Detail

Revenue-Based Models

01
Pay-Per-Lead

EPCVIP sends pre-screened homeowner leads to Rate.com on a fixed CPL basis. Rate.com pays only for leads that match defined credit, geography, and property criteria.

How It Works
  • Rate.com shares target criteria — state, credit score, LTV
  • EPCVIP filters daily applicant pool via proprietary algorithm
  • Matched leads sent in real-time via API feed
  • Fixed CPL billed weekly; no commitment on volume
02
Cost-Per-Funded

Performance-based model where EPCVIP is compensated only when a referred applicant successfully closes a loan. Aligns incentives completely — no risk for Rate.com.

How It Works
  • EPCVIP passes declined personal loan applicants with home equity
  • Rate.com underwrites and closes eligible borrowers
  • Revenue share triggered only on funded loans
  • Zero upfront cost; pure performance alignment
Technology Models

Technology-Driven Models

03
API Exclusion Ping

Real-time API integration where Rate.com sends exclusion pings to automatically disqualify applicants who don't meet criteria — reducing waste on both sides.

Technical Flow
  • Applicant submits on an EPCVIP-owned brand page
  • API pings Rate.com in <1 second with anonymized profile
  • Rate.com returns accept/decline + product fit score
  • Qualified applicants routed; others excluded at no cost
04
White-Label Integration

Rate.com provides a branded interstitial page embedded within EPCVIP's funnel. Declined personal loan applicants are seamlessly redirected to explore home equity options.

User Journey
  • Borrower applies on EPCVIP platform for a personal loan
  • Application declines — user is shown branded Rate.com page
  • Interstitial explains HELOC / home equity as an alternative
  • Warm handoff to Rate.com with applicant data (with consent)
Getting Started

Launch Plan & Test Budget

Proposed
Test Budget
$25K–$50K
Initial phase · 30–60 days

A low-risk pilot to validate lead quality and conversion rates before scaling the full partnership.

1
NDA & Onboarding
Week 1–2
Sign NDA, share bucket data, finalize API specifications and compliance review with both legal teams.
2
Feasibility Review
Week 2–3
Rate.com reviews lead buckets (states, credit scores, LTV). EPCVIP runs a "sweet spot" analysis on converting demographics.
3
Test Launch
Week 4–8
Small-volume pilot with $25K–$50K budget. Monitor conversion rates, lead quality, and funnel performance closely.
4
Scale Decision
Week 9+
Review KPIs together; agree on long-term CPL / CPF rates and formalize full partnership structure.
Risk & Compliance

Built on Transparency

RESPA Compliance
All lead sharing follows RESPA and financial advertising regulations. Prohibited demographic attributes — race, religion, national origin — are never used for targeting.
Data Quality Controls
API-driven exclusion pings and name-to-title matching ensure lead accuracy and reduce junk applications before they ever reach Rate.com's pipeline.
NDA & Legal Framework
A mutual NDA will be executed before any data exchange. Clear contractual terms govern data use, lead definitions, billing, and dispute resolution.
Transparent Partnership
Both parties commit to open communication, honest KPI reporting, and a professional long-term relationship — focused on mutual growth, not just volume.

Let's Build Something
Great Together.

Ready to move forward? Reach out to explore the partnership and get the NDA process started.

Contact
Alsu Tarzimanov
Company
EPCVIP
Email
alsu@epcvip.com
Website
www.epcvip.com