The deepest line of the failover ladder. When neither MagWitch nor Lumino can serve a client, this is the third-tier path that still gets them funded, in a different credit box. The framework is set: the trigger, the selection criteria, the candidate paths, and the move. The specific third lender is the one open item, marked [confirm], so this plan goes fully live the moment it is chosen.
Third line of failoverDifferent credit boxEaze covers the gapInternal use only
The promise this protects. No client is ever told no. By the time we reach Plan 3, a client has been declined or not served by both the primary and the second-line rail. This plan exists so that even then, there is still a path, and the client never feels it as a rejection.
Start here01
Where it sits in the ladder
Plan 3 is the bottom of a ranked ladder. We only reach it when everything above has been worked. Each step keeps the client funded so there is never a gap.
Plan 3 runs only when the lines above have genuinely been exhausted. It is rare, and that is the point, but when it is needed it must be ready.
MagWitch cannot serve the client, by decline or by fit.
Lumino (Plan 2) cannot serve them either, the Affirm and wider Lumino options do not fit the profile.
The client still needs funding and the existing rails have been worked across the full spectrum.
Who calls it. Harvey escalates to David. David owns the decision to go to Plan 3, since it involves a lender relationship outside the standard rails. Eaze keeps the client funded while Plan 3 is arranged.
The plan03
The principle
Same as every contingency: keep the client funded, keep it invisible, and frame it as a solution, never a setback.
A different credit box. Plan 3 succeeds by reaching a lender or product the earlier rails do not cover, not by trying the same box again.
No gap. Eaze keeps the client funded throughout, so their business never stops while we arrange the path.
Framed as a solution. The client hears "we've found a route for you," never "you were declined again."
Worked, not waited. By Plan 3, speed and ownership matter most. David and Harvey drive it actively.
The plan04
What we're looking for
The selection criteria for the third-tier path. These are defined now, so when the specific lender is chosen it can be slotted straight in.
A different credit box. It must serve profiles the primary and Plan 2 rails do not, otherwise it adds nothing.
Same-day or fast. A clear, quick path so a client at the bottom of the ladder is not left waiting.
A documented swap path. Onboarding steps, approver and SLA we can run repeatably, the same standard as Plan 2.
A real relationship. A lender David can work directly, so escalations move fast.
Clean economics and compliance. Transparent terms, properly licensed, and disclosures handled by the lender.
Open item. The specific third-tier lender that meets these criteria is to be selected. [Name the third lender, or confirm the elevated backstop, and this plan's specifics are filled in.]
The plan05
The candidate paths
Three directions Plan 3 can take. The final choice is David's, against the criteria above. All three keep a client funded who the earlier rails could not serve.
An elevated Eaze backstop
Push the client through a different part of the Eaze panel or Queen Street network not yet tried, deeper into the spectrum (subprime, deep-prime). Lowest friction, since the rail is already integrated.
A Grow Funders backstop
If the client's need is better served as business funding, route to Grow Funders. A different product class entirely, useful when consumer rails are exhausted. [Confirm Grow Funders fit and steps.]
A named third lender
A new, dedicated third-tier lender in a different credit box, onboarded specifically as the deep failover. The cleanest long-term answer. [Name pending David.]
Recommendation to decide. Until a dedicated third lender is named, the elevated Eaze or Queen Street backstop is the fastest interim Plan 3, since it needs no new integration. Confirm with David which becomes the standard.
The plan06
The move
The structure of the swap, ready to be made exact once the lender is chosen. It mirrors the Plan 2 runbook so the team runs every contingency the same way.
Harvey escalates, David declares Plan 3Same dayOnce Plan 2 cannot serve, Harvey escalates to David, who decides the Plan 3 path against the criteria.
Confirm Eaze is funding the clientNo gapBefore anything else, confirm Eaze is covering the client so their business does not stop while Plan 3 is arranged.
Route to the chosen pathBackstop or named lenderSubmit to the elevated backstop or the named third lender, in their different credit box. [Confirm the exact onboarding and submission steps once chosen.]
Keep the client updatedA solution, not a setbackTell the client we have found a route and keep them posted, framed as a solution.
On approval, hand backFunds then onboardingOnce funded, hand back to the point of contact to finalise and continue the 30-day plan.
Same standard as Plan 2. When the lender is named, this section becomes a step-by-step runbook with the exact onboarding, approver and SLA, identical in detail to the Lumino plan.
Run it07
Scenarios
What comes up at the bottom of the ladder.
Plan 2 (Lumino) just declined the client
Harvey escalates to David immediately. Confirm Eaze is funding the client, then choose the Plan 3 path. Do not tell the client they were declined again, tell them the team is finding the right route.
No dedicated third lender is named yet
Use the interim Plan 3: the elevated Eaze or Queen Street backstop deeper in the spectrum, or Grow Funders if business funding fits. It needs no new integration, so it is available today. Flag to David that a named lender is still pending.
Even Plan 3 cannot serve the client
This is the genuine edge. Eaze continues funding the client so they are not stranded. David owns the conversation about what is realistic for that profile, handled honestly and never as a cold rejection. Capture the case so the ladder can be improved.
Run it08
Definition of done & SLA
Plan 3 is done when all of this is true.
Escalated and declared by Harvey to David.
Eaze funding confirmed in place throughout.
Routed to the chosen path in a different credit box.
Client updated as a solution, never a setback.
Funded and handed back to the point of contact.
SLA. Escalation same day Plan 2 fails; Eaze confirmed funding immediately; the chosen path actioned same day. [Confirm the exact SLA once the lender and path are set.]
Run it09
Who to contact
Owners for Plan 3.
D
David
Owns the decision
Decides the Plan 3 path and owns the third-tier lender relationship.
H
Harvey
Lead Broker
Escalates when Plan 2 fails and runs the submission to the chosen path.
S
Shara
Point of contact
Keeps the client updated and confirms Eaze is funding throughout.
No client is ever told no.
The framework is ready. Name the third lender and Plan 3 becomes a full step-by-step runbook, the same standard as Plan 2.