PlannedLender™ was created around one simple idea: affordability should matter more than a credit score.
PlannedLender™ is owned and operated by ReCapture Financial and is powered by MiddleBanking™ 1.0, ReCapture Financial’s automated household bill-pay and controlled-spending system.
ReCapture Financial is a MiddleBanking provider, not a bank. MiddleBanking™ 1.0 helps participating households organize income, recurring expenses, bill due dates and household spending into a structured financial plan.
A MiddleBanker operates between the household and the companies the household regularly pays. Instead of simply helping people create a budget, MiddleBanking™ organizes and manages the actual flow of household expenses through an automated bill-pay system.
That controlled financial environment gives ReCapture Financial a different way to evaluate household affordability and create financial benefits for participating clients.
Planned Loans™ are provided internally by ReCapture Financial to participating MiddleBanking™ 1.0 clients. Instead of determining Planned Loan amounts primarily from a credit score, ReCapture Financial considers the household’s budget, recurring expenses, income profile and controlled spending through MiddleBanking™ 1.0.
A portion of the residual income generated through ReCapture Financial’s MiddleBanking™ 1.0 automated bill-pay system is used to support Planned Loans for participating households.
In simple terms: households use MiddleBanking™ to manage and pay their bills, ReCapture Financial generates residual income from that activity, and a portion of that value can be internally deployed back to MiddleBanking clients through Planned Loans™.
Traditional lending often begins by looking backward at a credit history. PlannedLender™ begins by looking forward at the household’s financial plan.
We look at what the household actually earns, spends and manages.
Household expenses are organized through MiddleBanking™ 1.0.
Planned Loans are arranged before the household actually needs the money.
The household’s ability to manage its financial plan matters more than a score alone.
PlannedLender™ is owned and operated by ReCapture Financial and powered by MiddleBanking™ 1.0. ReCapture Financial is a MiddleBanking provider and is not a bank.
Planned Loans™ are provided internally by ReCapture Financial to participating MiddleBanking™ clients. Planned Loan amounts, availability dates, continued access, repayment or payment responsibility, and other program terms are governed by the applicable PlannedLender™ and MiddleBanking™ agreements.
Planned Loans™ are not bank deposit products and are not checking, savings or other deposit accounts.
PlannedLender™, Planned Loan™, Residual Loan Proceeds™ and MiddleBanking™ are proprietary programs and marks of ReCapture Financial and/or its affiliated companies.
Use the PlannedLender™ Eye-Opener to see your household’s pre-approved Planned Loan schedule.
See My Pre-Approved Planned Loans →