SAN FRANCISCO, CA – July 25, 2025 – Clutch, a provider of digital onboarding and origination technology for credit unions, today announced the general availability of Fastlane, a real-time loan decisioning and fulfillment engine built to help credit unions convert more applications into funded loans automatically.
Fastlane is built to eliminate the bottlenecks that sit between application submission and disbursement. It’s part of Clutch’s broader work to give credit unions the digital infrastructure they need to compete with today’s fintechs. By automating decisioning, step-up verifications, fulfillment, and loan origination system (LOS) routing, Fastlane is designed to drive a higher look-to-book ratio, lower cost to serve, and a faster experience for members.
“If the loan qualifies, we send it ready to fund, right to the LOS, then and there,” said Grant Sailsbury, General Product Manager at Clutch. “No back and forth. No waiting.”
What Fastlane Automates
Relationship-aware decisioning. Fastlane renders credit decisions instantly using internal relationship data, real-time bureau pulls, and policies the credit union defines and controls.
Integrated verification and step-ups. Built-in fraud, income, and identity verification workflows reduce time-to-fund and remove the need for manual underwriting on qualifying applications.
Fulfillment automation. From loan documents to disbursement details, Fastlane automates the remaining steps to fund-ready, routing approved loans directly into the LOS with no staff involvement required.
Early Results
Across Fastlane partners, credit unions have seen instant decision rates of 76% to 100%, up to 50% more funded loans, and a 50% to 80% reduction in manual operations per funded loan.
“Fastlane has been a critical unlock for our credit union partners,” said Tamanna Kottwani, Head of Product at Clutch. “By removing the lag time between approval and funding, they’re not just speeding up decisions – they’re capturing more loans and more member value. The combination of speed, precision, and compliance is what sets Fastlane apart.”
“Speed is the new standard,” added Nicholas Hinrichsen, CEO and Co-founder of Clutch. “With Fastlane, credit unions can meet and exceed the expectations of today’s borrowers without sacrificing control or adding credit risk.”
Part of a Broader Platform
Clutch helps credit unions modernize every step of the member journey, from account opening to loan opening and cross-sell, with digital application processing that minimizes manual tasks and error rates, smart cross-sell tools that help deepen member relationships, and omnichannel support that helps MSRs guide members through account setup and approvals across branch and digital touchpoints. Clutch has supported more than $10 billion in consumer loans funded and deposits raised to date.
Request a demo to see Fastlane’s real-time decisioning in action.