Terrace Finance Corp. runs a shared lending platform that is designed to make it easy for applicants to arrange appropriate financing for goods and services through a network of participating merchants. Through a single application, borrowers are matched to lenders based on what they are financing, where they are located and their financial profile. Rather than relying on a single lender, Terrace curates a full spectrum of lenders with different specialties who cooperate rather than compete to service a broad range of customers and financing amounts. The platform routes appetite-specific applications appropriately resulting in quicker decisions, higher approval rates, and lower costs for partners.