Borrower acquisition for lenders

Lending demand, matched to your criteria.

We find applicants, check their details and deliver qualified enquiries to your product — by referral or API.

From first contact to your product
  1. Acquisition

    Search, mobile products and referral traffic.

  2. Qualification

    Match applicants to your product criteria.

  3. Fraud checks

    Review device, identity and behavior signals.

  4. Partner delivery

    Pass qualified enquiries by referral or API.

Illustrative workflow. Checks and delivery rules are agreed with each partner.

How we work

The checks happen before the handoff.

You define the market, product criteria and capacity. We use those rules to screen incoming demand and route suitable applicants to you.

Qualification pipeline

What we check

The screening sequence brings device, identity and product-fit signals together. Your team retains the final decision.

  1. 01

    Device & behavior

    Device fingerprint, session behavior and traffic-source signals filter out bots, emulators and incentivized clicks before anything reaches your funnel.

  2. 02

    Identity & fraud

    Phone, email and document checks plus velocity and blacklist screening remove synthetic, duplicate and recycled identities.

  3. 03

    Fit & pre-qualification

    Location, age and income-band rules match applicants to your agreed product criteria before delivery.

  4. 04

    Delivery

    Qualified applicants are handed off by referral redirect or pushed to your API in real time, with server-to-server postbacks closing the attribution loop.

Anti-fraud

A closer look at the screening

We combine several signals to identify suspicious applications. Partner feedback helps adjust the checks over time.

01Device

Fingerprinting, emulator and device-farm detection, integrity and tamper signals.

02Network

IP reputation, proxy, VPN and datacenter filtering, geo-consistency checks.

03Identity

Phone and email validation, document and liveness signals, sanction screening.

04Behavioral

Session patterns, form-fill cadence and interaction anomalies, scored in real time.

05Data

Velocity limits, deduplication, blacklist and consortium signals across partners.

06Feedback

Partner approval and outcome results feed back to retrain and tune the filters.

Integration

Referral or API. Your choice.

Send applicants to your site or receive structured application data directly in your system.

Redirect

Referral + Postback

Send applicants to your website. We pass signed identifiers; you confirm the agreed outcomes with a server-to-server postback.

  • Branded redirect or hosted portal
  • Signed click & lead parameters
  • S2S postback for selection outcomes
  • UTM and sub-id passthrough
We agree the redirect parameters and postback setup before launch.
Direct delivery

Direct API

Receive qualified applicants as structured JSON in real time and push them straight into your decision system.

  • Real-time lead POST (JSON)
  • Field mapping to your schema
  • Idempotency keys & retries
  • Sandbox environment & API keys
Full field mapping and a sandbox before you go live.
Integrations

The technical details

Explore integration details

REST API

Lead delivery as structured JSON with agreed field mapping, idempotency keys and retry behavior.

S2S postback

Program match, verification and outcome results can be confirmed server to server for attribution and routing feedback.

Webhooks

Event callbacks support status changes, capacity updates and operational alerts where partner systems allow them.

UTM and sub-id passthrough

Signed click, lead, source and campaign identifiers preserve attribution from acquisition to partner outcome.

Sandbox and keys

API flows can be tested with sandbox credentials and sample payloads before live routing starts.

Structured fields

Payloads are mapped to your schema so operations teams do not need to normalize leads manually.

Markets

Four markets. Local requirements.

We run acquisition across paid, search, app stores, CRM and referral — and route only what passes qualification to you.

Supply availability varies by market and product. Ask us what we can deliver in your operating market.

01IndiaIN
02KazakhstanKZ
03NigeriaNG
04PeruPE
Commercials

You pay for outcomes, not clicks

Pricing and routing are built around delivered results and your capacity.

01

CPA / CPD

Pay for a qualified application or an agreed partner outcome. We define the billable event together before launch.

02

EPC-ranked routing

Traffic is routed by earnings-per-click across partners, so the best-converting offers earn prioritized supply.

03

Real-time CAP

Set daily or monthly volume caps per geo and product. Delivery throttles automatically the moment you reach them.

FAQ

Questions partners ask before integration

The exact setup depends on your market, product and compliance flow, but the operating model stays consistent.

How fast can we go live?

Referral and postback setups can usually start faster because they need fewer partner-side changes. Direct API delivery depends on field mapping, sandbox testing and your release process.

How is pricing structured?

Commercials are typically outcome-based: CPA for completed program matches or CPD for delivered qualified applications. Final terms depend on market, product, volume and quality targets.

What does pre-qualified mean here?

It means the applicant has passed agreed front-end checks before handoff: geo, product fit, device and identity integrity, fraud signals and basic eligibility logic.

How is applicant data handled?

Data fields are scoped to the integration model and partner requirements. API payloads, redirects and postbacks are agreed during onboarding, with sensitive fields limited to what the flow requires.

Which markets are available?

Cybertech currently names India, Kazakhstan, Nigeria and Peru. Supply availability varies by product and capacity, so each launch is confirmed market by market.

Can we control volume?

Yes. Delivery can be capped by day, month, market, product and integration mode, with routing throttled when the agreed limit is reached.

Become a partner

Let’s discuss your market.

Share your market and how you want to integrate. We'll come back with supply availability and terms.

Общество с Ограниченной Ответственностью Кибертех

Reg. No. 273.110.1319504 (2023-05-24) · Tax ID: 02890929

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CYBERTECH.marketing

Borrower acquisition for lenders. Applicant screening and delivery by referral or API.

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Общество с Ограниченной Ответственностью Кибертех

Reg. No. 273.110.1319504 (2023-05-24)

Tax ID: 02890929

105/1 Teryan St, office 601, Yerevan 0009, Armenia

+374 10 512345

[email protected]

© 2026 Общество с Ограниченной Ответственностью Кибертех (Reg. 273.110.1319504 · Tax ID 02890929) · 105/1 Teryan St, office 601, Yerevan 0009, Armenia · Phone: +374 10 512345

cybertech.marketing