Yes, BHG Financial functions as a direct lender, meaning the company originates, underwrites, approves, and funds its own personal, professional, and business loans directly to consumers rather than acting merely as an independent broker or lead-generation platform. They utilize proprietary data models and underwriting algorithms to evaluate applicant risk and issue capital directly from their own financial lines. Furthermore, they maintain strategic partnerships with numerous community banks across the country, allowing those banking institutions to purchase portions of the loan portfolios originated directly by BHG.