Know Your Number Before You Act. Introducing the CPA Simulator.
For most consumer-direct lenders, CPA is a backward-looking number. You run the program, count the funded loans, divide the spend, and find out what it cost. By then, the campaign is already in market.
That's not a growth strategy. That's an accounting exercise.
Starting this month, Loansure clients have a different tool available: the CPA Simulator. It lets you model what your cost per funded loan will be before the campaign runs— and it shows you exactly which funnel variables drive the outcome.
What ItDoes
The CPA Simulator sits inside the Loansure platform and lets you adjust four key funnel variables against your rolling 4-week fully-baked baseline:
• Answer Rate — what percentage of inbound calls your team picks up
• Ref ID Rate — what percentage of answered calls result in a reference ID captured
• Credit Check Rate —how many of those progress to a credit pull
• Acquisition Rate —the final funded loan conversion
As you adjusteach slider, the projected CPA updates in real time. You can see your current baseline, the industry benchmark for each stage, and what happens to your CPA when you close the gap.
CPA Simulator: adjust funnel targets and see projected CPA update in real time against industry benchmarks
What This Means in Practice
Answer Rate is one of the most important variables. A lender answering 62% of calls (industry average) instead of 59% (baseline) doesn't just improve one number — it cascades through every downstream stage and meaningfully reduces CPA.
The simulator makes that relationship visible. It puts the math in front of your team so the conversation shifts from "why is our CPA high" to "here's exactly what we need to move to hit our target."
That's a different kind of accountability.
How to Access It
Log in to your Loansure platform and navigate to CPA Simulator in the left navigation. Selectyour company and program type, adjust your funnel targets, and the projection updates instantly. You can save scenarios and compare them side by side.
The CPA Simulatoris live this month for all active Loansure clients.
