Use Case > Segment

Find the Right Consumers Before the First Touchpoint.

Spinwheel helps financial institutions identify high-value acquisition opportunities using consumer-permissioned credit data and real-time insight into a consumer's existing debts, balances, and borrowing costs — all powered by a phone number and date of birth.

Use Case > Segment

Find the Right Consumers Before the First Touchpoint.

Spinwheel helps financial institutions identify high-value acquisition opportunities using consumer-permissioned credit data and real-time insight into a consumer's existing debts, balances, and borrowing costs — all powered by a phone number and date of birth.

The Strongest Acquisition Strategies Begin with Better Credit Intelligence.

The Strongest Acquisition Strategies Begin with Better Credit Intelligence.

The Strongest Acquisition Strategies Begin with Better Credit Intelligence.

Problem

Don’t Leave Acquisition Strategies to Guesswork.

Don’t Leave Acquisition Strategies to Guesswork.

Most customer acquisition strategies rely on general demographic, behavioral, or intent signals alone.

Without accurate visibility into a consumer’s existing obligations, debt composition, and credit attributes, organizations are simply guessing at acquisition strategies, audience selection, and resource allocation.

Problem: Audience targeting cards for target demographic, estimated household income, target credit tier, behavioral intent, and audience segment
Problem: Audience targeting cards for target demographic, estimated household income, target credit tier, behavioral intent, and audience segment

Problem

Don’t Leave Acquisition Strategies to Guesswork.

Most customer acquisition strategies rely on general demographic, behavioral, or intent signals alone.

Without accurate visibility into a consumer’s existing obligations, debt composition, and credit attributes, organizations are simply guessing at acquisition strategies, audience selection, and resource allocation.

Problem: Audience targeting cards for target demographic, estimated household income, target credit tier, behavioral intent, and audience segment

Solution

Make Acquisition Decisions Using Real Credit Data.

Make Acquisition Decisions Using Real Credit Data.

Instead of building acquisition strategies around assumptions, access a complete picture of a consumer's existing debt obligations, account composition, and borrowing costs to identify high-value opportunities — with just a phone number and date of birth.

The result is more efficient growth, stronger lead quality, and better acquisition economics.

Solution: App showing a phone number and date of birth form, a successfully verified profile with total debt, average APR, credit score of 724, and monthly payment, and qualifications for a mortgage refinance and personal loan
Solution: App showing a phone number and date of birth form, a successfully verified profile with total debt, average APR, credit score of 724, and monthly payment, and qualifications for a mortgage refinance and personal loan

Solution

Make Acquisition Decisions Using Real Credit Data.

Instead of building acquisition strategies around assumptions, access a complete picture of a consumer's existing debt obligations, account composition, and borrowing costs to identify high-value opportunities — with just a phone number and date of birth.

The result is more efficient growth, stronger lead quality, and better acquisition economics.

Solution: App showing a phone number and date of birth form, a successfully verified profile with total debt, average APR, credit score of 724, and monthly payment, and qualifications for a mortgage refinance and personal loan

The Spinwheel Difference.

Better Lead Quality.

Increase the percentage of consumers who successfully progress through the lifecycle.

14% Lift

 in monetized leads in 2.5 weeks

Lower Customer Acquisition Costs.

Focus acquisition resources on audiences that align with portfolio objectives.

Higher Conversation Rates.

Improve downstream application, approval, and funding outcomes.

20%+

increase in conversion rates

Stronger Unit Economics.

Build a higher-performing portfolio by making smarter acquisition decisions from the start.

The Spinwheel Difference.

Better Lead Quality.

Increase the percentage of consumers who successfully progress through the lifecycle.

14% Lift

 in monetized leads in 2.5 weeks

Lower Customer Acquisition Costs.

Focus acquisition resources on audiences that align with portfolio objectives.

Higher Conversation Rates.

Improve downstream application, approval, and funding outcomes.

20%+

increase in conversion rates

Stronger Unit Economics.

Build a higher-performing portfolio by making smarter acquisition decisions from the start.

The Spinwheel Difference.

Better Lead Quality.

Increase the percentage of consumers who successfully progress through the lifecycle.

14% Lift

 in monetized leads in 2.5 weeks

Higher Conversation Rates.

Improve downstream application, approval, and funding outcomes.

20%+

increase in conversion rates

Lower Customer Acquisition Costs.

Focus acquisition resources on audiences that align with portfolio objectives.

Stronger Unit Economics.

Build a higher-performing portfolio by making smarter acquisition decisions from the start.

Common Solutions.

App showing a successfully verified profile with total debt, average APR, credit score of 724, and monthly payment, a debt breakdown by mortgage, personal, auto, and credit cards, and borrower attributes including oldest account, revolving utilization, and open accounts

Audience Qualification.

Identify acquisition audiences that align with product and portfolio objectives.

CRM Enrichment.

Audience Suppression.

Lookalike Modeling.

Common Solutions.

App showing a successfully verified profile with total debt, average APR, credit score of 724, and monthly payment, a debt breakdown by mortgage, personal, auto, and credit cards, and borrower attributes including oldest account, revolving utilization, and open accounts

Audience Qualification.

Identify acquisition audiences that align with product and portfolio objectives.

CRM Enrichment.

Audience Suppression.

Lookalike Modeling.

App showing a successfully verified profile with total debt, average APR, credit score of 724, and monthly payment, a debt breakdown by mortgage, personal, auto, and credit cards, and borrower attributes including oldest account, revolving utilization, and open accounts

Audience Qualification.

Identify acquisition audiences that align with product and portfolio objectives.

CRM Enrichment.

Audience Suppression.

Lookalike Modeling.

Common Solutions.

What’s Next? → Verify

Identifying the Right Consumer Is Only the Beginning.

The next step is confirming identity, ownership, and eligibility before product matching, application, and decisioning can occur.

Powering the Full Consumer Credit Lifecycle.

Circular lending lifecycle diagram with eight stages around Spinwheel: Segment, Verify, Prequal, Apply, Approve, Disburse, Manage, and Pay, with the Segment and Verify stages highlighted

What’s Next? → Verify

Identifying the Right Consumer Is Only the Beginning.

The next step is confirming identity, ownership, and eligibility before product matching, application, and decisioning can occur.

Powering the Full Consumer Credit Lifecycle.

Circular lending lifecycle diagram with eight stages around Spinwheel: Segment, Verify, Prequal, Apply, Approve, Disburse, Manage, and Pay, with the Segment and Verify stages highlighted

What’s Next? → Verify

Identifying the Right Consumer Is Only the Beginning.

The next step is confirming identity, ownership, and eligibility before product matching, application, and decisioning can occur.

Powering the Full Consumer Credit Lifecycle.

Circular lending lifecycle diagram with eight stages around Spinwheel: Segment, Verify, Prequal, Apply, Approve, Disburse, Manage, and Pay, with the Segment and Verify stages highlighted

Build Smarter Acquisition Strategies.

Start the consumer credit lifecycle with a clearer picture of your acquisition audience.

Build Smarter Acquisition Strategies.

Start the consumer credit lifecycle with a clearer picture of your acquisition audience.

Build Smarter Acquisition Strategies.

Start the consumer credit lifecycle with a clearer picture of your acquisition audience.