Lending and PropTech
Give borrowers and renters a safety net
A layoff is one of the biggest reasons people fall behind. Cushion offers your customers optional income protection that pays them cash, so they can keep their finances on track.
How we'd partner
Partnership model: Co-branded handoff or Embedded API / POS
Step 1
Offer it after approval
Present Cushion after the loan is funded or the lease is signed, as a separate, optional product.
Step 2
Quick, permissioned signup
Customers verify employment with consumer-permissioned payroll data. No manual paperwork.
Step 3
Cash goes to them
After a qualifying layoff, Cushion pays the policyholder directly. They decide how to use it.
What you get
Stronger customer relationships
Support borrowers and tenants through one of the hardest moments they'll face.
Partner revenue
Earn compliant partner compensation with no balance-sheet exposure.
No change to underwriting
Cushion sits outside your credit decision and loan or lease terms.
What your customers get
Unrestricted cash
Benefits are paid to the policyholder, not to the lender or landlord.
Optional and separate
Never required to get a loan or lease.
Portable cover
It stays with them if they change jobs.
Getting started
Fastest path
Post-closing email or dashboard placement, live in days
Deeper option
Embedded offer at origination or lease signing
What we need
Placement, a disclosure review and your compliance team's sign-off
Cushion is not credit insurance and does not cancel, pay or reduce any debt. It is optional and is never a condition of credit approval or lease approval. Cushion coverage is currently available to W-2 employees in Florida, Texas, Colorado, Illinois and Virginia, with more states to follow. Coverage options, limits, waiting periods and policy availability vary by jurisdiction and are subject to underwriting approval and individual policy declarations. Partner compensation is structured to comply with state insurance laws; only appropriately licensed partners may receive commissions on policies sold.
Let's talk about how we'd work together
Tell us a little about your lending and proptech business and our partnerships team will get back to you within 1-2 business days.