Escrow companies, NMLS-registered MLO firms, title insurance carriers, DMV agents, and community-finance institutions — we send the deal flow, you do the regulated work, both sides win. The marketplace generates the volume; the licensed partners close the loops cleanly. Open a conversation.
qardon.com aggregates 0% APR owner-financed deals across categories. Every closing routes to the appropriate licensed partner. We don't compete with you — we feed you.
Old Republic Title, First American Title, North American Title, and state-specific independents. Funds custody during the installment lifecycle. Setup + monthly admin fees ($200-1,500 typical) paid by buyer/seller through the close. We route the deal; you hold the funds and run the close.
For buyers using external financing on real estate, you originate the loan paperwork ($400-2,000 typical origination fee paid at closing). We pre-qualify the buyer; you run the file. For non-real-estate, we share lead-gen marketing fees (10-15% of your origination fee). For real estate, we structure compensation as flat platform/advertising fees per RESPA §8.
For real-estate closings, you issue the title policy at the wholesale-bundle rate (0.5-1% of property value typical, paid by buyer). We integrate your underwriting and policy delivery into the workflow.
For vehicle, RV, mobile-home, and boat transfers, you process the title work per state DMV rules ($50-300 per vehicle typical). We orchestrate the paperwork handoff and customer notification.
Your brand. Our engine. A complete community-finance back office under your roof, with member onboarding, contributions, applications, ledger, and compliance — fully tenant-isolated.
Bring our compliance engine into your existing stack. Identity verification, OFAC screening, AML transaction monitoring, and audit-ready logs.
Connect your existing member system to our AI Application Judge. Behavior-based, ECOA-clean, FCRA-aware decisioning with an explainable trail.
For larger institutions: a co-build path where our engineering team works alongside yours on a shared roadmap, with mutually-defined SLAs and data residency.
Routed to partners@qardon.com. Expect a response within three business days.
We do not publish a customer logo wall. The arrangement is between us and the institution; case studies appear only with explicit authorization.
Our flagship operator is qardon.org, an independent 501(c)(3). We work with other community-finance nonprofits on similar terms.
Banks and credit unions exploring member-facing interest-free lending products as a community-benefit offering.
Fintechs that already pass institutional bar — adding interest-free community lending as a product line within a compliant rail.