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Lenders you send applications to straight from the app (Idea Financial, Credibly and Sandbar Fund) use your account’s own credentials. Each lender connection holds two credential sets, the way a payment provider in your CRM keeps test keys and live keys:
  • Test mode: the lender’s test (sandbox) environment. Use it to try the flow. Nothing sent in Test mode is reviewed by a live lender or funded.
  • Live mode: the lender’s real environment. Applications sent in Live mode are real applications.
One mode is active at a time. Every Submit to that lender uses the active mode’s credentials and goes to that mode’s environment. Test mode credentials are never sent to the live lender, and Live mode credentials are never sent to the test environment.
Any user of the account can manage lender connections. You don’t need to be an account admin.

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Connect a lender

  1. Turn on the lender’s Labs card under Settings → Labs (for example Idea Financial business funding).
  2. Open Settings → Lender Integrations. An API connections section lists a card for each lender whose Labs card is on.
  3. Under Test mode credentials or Live mode credentials, enter the credentials the lender issued for that environment and choose Save. The app checks them with the lender first and saves nothing if the lender doesn’t accept them.
  4. The first set you save becomes the active mode. Saving the other set later doesn’t change which mode is active.
After saving, the card shows only the last four characters of the identifying field (for example Client ID ending 1234) and when the set was last checked. Credentials are stored encrypted and are never shown again. A mode marked Not available yet has no confirmed address at the lender, so it can’t be saved or used. It becomes available in a later update.

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Switch modes

Under Active mode, choose Test mode or Live mode. You can only switch to a mode whose credentials are saved. Removing the active mode’s credentials does not switch you to the other mode. The lender stays unavailable in Submit until you save credentials again or switch modes yourself.

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Test, replace or remove

  • Test checks a saved set with the lender again. Nothing is created at the lender.
  • Replace saves a new set for that mode, checked the same way.
  • Remove deletes that mode’s saved credentials.

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How Test mode shows up

Anything sent in Test mode is labeled Test mode wherever it appears:
  • in Submit, next to the lender’s name under Send To;
  • on the client’s Funding tab, on the lender’s status line and the attempt it came from;
  • on Idea Financial’s status banner, with a note that the status and offers are not live results.
Live mode applications carry no badge.

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When a lender isn’t offered in Submit

A lender appears under Send To only when its Labs card is on and its active mode has saved credentials. If it’s missing, open Settings → Lender Integrations and check that lender’s card.

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Partner payouts (Everee)

The Partner payouts (1099) card on the Partners page works the same way. Everee’s sandbox is a separate Company instance, so a Test mode connection is its own tenant ID and API token. Connections saved before Test mode existed are your Live mode connection. Switching modes swaps which Everee account is in use. Partners you onboarded in one mode don’t show as onboarded in the other mode.