Our Platform

We’re powering the future of small business lending. 

Our core business as a solution provider – not as a lender competing with you in the same marketplace – ensures alignment of business models and priorities. A partnership with Mirador is 100% focused on driving your brand and doesn’t include the business and reputational risk inherent in working with a marketplace lender.

Products to support a best-in-class borrower and lender experience


Why Apply

  • Modern, digital application process
  • Customizable white label solution
  • Digital pre-qualification
  • Easy to implement

Our Solution

Cloud-based, dynamic application process

Seamless 3rd Party integration via API

Dynamic product routing

Lender’s partial credit policy integrated

…and more


Why Approve

  • End-to-end loan platform
  • Lightweight underwriting platform
  • Lender’s full credit policy integrated
  • Digitized documentation

Our Solution

Calculated, editable & digitized credit memo

Lender’s full credit policy integrated

Full Mirador loan overview presentation

Automated instant decisions

…and more

Add-on highly prequalified leads & a second look program


Grow your customer base through highly prequalified applicants.

  • Connect with more than one partner for lead generation
  • Access a diverse network of highly qualified borrowers
  • Only pay referral fee on closed & funded loans


A 2nd look program that keeps your customer connected to your brand.

  • Provide a more engaged and delightful declination experience
  • Retain customers’ main deposit accounts while offering accessible small business credit
  • Support community investment & small business growth

Our Technical Specifications

Mirador makes investing in a cloud-based lending platform easy and reliable without heavy IT lift and regulatory headaches. Our customers rely on Mirador to process applications for a wide range of loan products. From its most basic online loan application experience to its more mature risk evaluation tools, there’s a solution set that fits banks, credit unions and non-profit lenders of all sizes.


Effective for Commercial Loans

Mirador supports several small business loan products, including unsecured term loans, SBA-backed loans, working capital/line of credit, and collateralized loans. Mirador seamlessly places your borrower into the product that is the right fit for them.


Platform & Application Uptime

The platform is available 24/7 with 99.9% uptime available on your website, mobile device or using our in-branch loan officer tool, automated document collection, and enhanced risk evaluation. We automate document collection and risk evaluation.


SOC 1 + SOC 2

Data Encryption, Security & Vulnerability Testing

All data while being transmitted and at rest is protected using 256-bit RSA encryption with a 2048-bit SSL key. The Mirador platform also undergoes regular vulnerability scans and technology penetration testing. Mirador satisfies the internal controls reporting standard for service organizations as outlined in Sarbanes-Oxley section 404 and annually undergoes an SSAE-16 SOC 1 Type 2 audit and SOC 2 Type 2 audit.

1.9k Data Points

Evaluate Traditional and Non-Traditional Data Points

More than 1,900 traditional and non-traditional data points can be evaluated by predictive machine learning algorithims. Data from sources including personal credit reports, business credit reports, tax returns, social media, customer reviews, bank transactions and business financials make up the optional evaluation.

4506T & More

Automated Document Collection & Verification

Mirador supports document uploads as well as direct connections to financial institution data and online accounting systems. An IRS 4506T is electronically submitted with digital signatures certified by Docusign™. The application can be customized to your lending needs.

30+ Credit Policy Parameters

Customizable Credit Analysis and View

31+ assignable policy parameters (i.e. FICO credit score, debt-to-income, DSCR, Intelliscore, etc.) are presented in a condensed credit analysis view based on your lending criteria. Lenders may add custom parameters that support their underwriting model.

Automatically generates a loan file and a customized credit memo, based on your lending criteria, calculations and parameters.


Online Borrower Application

Instant pre-qualification of applications with auto-decisioning applying a lender’s own credit policies. Omni-channel availability (website, mobile, or in-branch.) The white-labeled application is web-hosted and custom branded for the financial institution.


API Integration

A simple REST-based API offers programmatic access to all application data and collected documents. Mirador is entirely cloud-hosted and requires no additional system integration. Integration can be done in less than 60-days with little to no IT work.

Ready to learn more?

Have one of our small business lending platform experts reach out to you with more information about our industry leading technology.