Replaced fixed-price redirect buyers with a performance-based revenue share model, allowing declined loan traffic to scale without artificial limits.
Publisher details are anonymized to protect partner strategies and competitive positioning.
Personal loan applications generate high-intent traffic, but a meaningful percentage of users are declined by lenders. Traditionally, declined traffic is sold to secondary buyers on a fixed cost-per-redirect basis—often in the $0.40 to $1.00+ range depending on demand and volume.
While fixed redirect pricing can be predictable, it also introduces caps driven by buyer budgets and pricing limits—restricting how much decline volume can be monetized through any single partner.
The publisher wanted to continue monetizing decline traffic while maintaining flexibility across buyers. The goal was to adopt a model that could scale with volume and performance—without introducing artificial limits or upfront commitments.
Instead of buying declined leads upfront at a fixed price, Bright Offers proposed a performance-based revenue share model. This removed the need to pre-price traffic and enabled volume to scale based on earnings.
Because the model is driven by performance, traffic allocation can shift dynamically as results change—allowing the publisher to maximize upside while Bright Offers focuses on mitigating lower-performing segments through optimization.
Bright Offers was integrated directly into the loan decline experience. Declined applicants were routed into dynamic monetization flows with real-time offer rotation based on performance.
With a working formula in place, performance signals were visible within the first day of launch. Over time, the publisher saw the benefits of performance-based monetization versus capped, fixed-price redirect buyers.
Returns vary based on traffic quality and the number of unique records.
By replacing fixed-price decline buyers with a revenue-share model, the publisher unlocked scalable monetization without artificial traffic limits. Bright Offers aligned incentives around long-term performance—allowing the publisher to capture more upside while Bright Offers focused on mitigating lower-performing segments through ongoing optimization.
Launch quickly, see performance on day one, and scale allocation based on results.