See what the data shows is possible and learn how financial institutions can turn indirect borrowers into more engaged, valuable banking relationships.
Indirect lending can bring new borrowers into your financial institution, but the loan itself does not guarantee a broader banking relationship. The real work starts after origination.
Alkami analyzed indirect borrower relationships across seven credit unions to understand what happens next. The results show that borrowers with active indirect loans can become multi-product members.
*Source: The Financial Brand, 2026Â
This white paper explores how financial institutions can:
- Activate borrowers early through digital banking
- Create reasons to stay engaged over time
- Use relationship and behavioral data to personalize what comes next
- Make it easier for borrowers to act on relevant products and services
It also features insights from Connexus Credit Union, including how their approach to digital engagement, personalized outreach, and product adoption supports broader member relationships.
Download the white paper today to see the data, the strategies, and what they can mean for your indirect lending portfolio.
FAQs
What is indirect lending?
Indirect lending allows financial institutions to provide financing through a third party, such as an auto dealership, broker, or marketplace. Because the borrower may choose the purchase before choosing the lender, financial institutions often need to intentionally build the relationship after loan origination.
How can financial institutions build stronger relationships with indirect borrowers?
Financial institutions can encourage relationship growth by establishing a digital connection early, making loan management convenient, providing useful everyday banking experiences, and introducing relevant products and services over time. Digital banking creates an ongoing channel to engage borrowers after the loan is established.
