Press Release
B3, AudienceActivator.ai, and LendPro Unite to Launch the First Fully Integrated AI eCommerce Operating System
Philadelphia, PA – October 15, 2025 – B3 Cloud Commerce, AudienceActivator.ai, and LendPro today announced the launch of a next-generation AI-driven eCommerce ecosystem that redefines how manufacturers, retailers, and lenders connect, transact, and grow. The collaboration delivers a complete AI eCommerce Operating System—a unified technology stack that powers e-commerce, marketing automation, and embedded consumer financing under one intelligent platform.
More Than a website: A Commerce Revolution
The new B3 AI eCommerce Operating System transforms traditional websites into dynamic, data-driven ecosystems. Through B3’s full-stack eCommerce and product information management technology, AudienceActivator’s AI audience intelligence, and LendPro’s embedded consumer financing, the platform enables manufacturers and merchants to drive measurable sales growth while protecting lender and merchant relationships.
Unlike traditional web builders, B3 provides full AI tools for any business—empowering users to generate content, manage inventory, optimize SEO, automate workflows, and personalize customer engagement. More importantly, B3’s AI engine tracks pixel data to capture the intent of customers responding to marketing efforts. This pixel tracking allows targeted follow-on marketing and stores critical information that enhances every future round of outreach.
“This partnership closes the gap between digital marketing, eCommerce, and financing,” said Matthew Dishman, CEO of LendPro. “By combining intent data, smart automation, and embedded finance, we’re giving merchants the ability to turn online interest into approved, financed sales.”
Fully Integrated Partners
The B3 ecosystem integrates seamlessly with a growing network of industry leaders, including:
- Guardsman — protection and service plans.
- AudienceActivator.ai — AI-powered marketing, intent data, pixel data, and audience targeting.
- LendPro — embedded multi-lender financing that allows customers of any credit quality to “apply and buy” directly on the website.
Together, these integrations allow merchants and manufacturers to offer consumers a frictionless journey—from discovery to financing approval to sale—within a single unified experience.
AI Commerce Meets Embedded Finance
The system’s intelligence layer, powered by AudienceActivator.ai, captures real-time shopper intent and feeds it directly into the B3 platform. LendPro then extends financing offers from multiple lenders—Prime, Near-Prime, and No Credit Needed—within seconds.
This data-driven model ensures merchants maximize conversion rates and lenders maintain visibility and protection of their position, while customers enjoy a seamless, transparent financing experience.
Beyond retail, B3’s AI toolkit enables any business—service-based, professional, or product-driven—to automate operations, deploy intelligent workflows, and integrate embedded finance where applicable. It’s a full AI operating system for modern commerce.
Introducing Embedded Pre-Qual Financing (EPQF)
Embedded Pre-Qual Financing (EPQF) is the next evolution of embedded point-of-sale financing—where financing options appear before checkout, triggered by purchase intent or product interaction rather than a completed cart.
Instead of waiting for the consumer to reach the payment screen, EPQF integrates real-time pre-qualification directly into product pages, marketing funnels, and ad experiences—allowing customers to see what they can afford before they decide to buy.
Key Differentiators from Traditional Embedded Finance
Traditional Embedded Finance vs Embedded Pre-Qual Financing:
- Financing offered at checkout vs Financing offered at the moment of intent
- Requires application submission at POS vs Soft pre-qual triggered seamlessly via data or engagement
- Focused on payment enablement vs Focused on purchase activation and conversion
- Operates post-interest vs Operates pre-interest (marketing + discovery stage)
- Merchant-centric vs Consumer-centric, driving qualified leads and sales
Strategic Value:
- Increases conversion by turning browsers into buyers through instant eligibility visibility.
- Reduces application fatigue by connecting one pre-qual to multiple lenders (via LendPro’s waterfall).
- Drives higher-intent data capture through integrations with AudienceActivator.ai.
- Empowers lenders to reach qualified consumers earlier in the journey.
- Enables manufacturers and merchants to fund marketing that directly leads to financed sales.
LendPro defines Embedded Pre-Qual Financing (EPQF) as the bridge between marketing intent and financing activation — connecting customers with real financing options before checkout, not after.
A New Standard for Manufacturers and Lenders
Manufacturers and lenders now share a single, data-driven ecosystem that transforms how they collaborate to serve merchants and consumers. With B3, manufacturers can sponsor digital transformation for their dealer networks—offering fully branded websites, financing integrations, and AI-driven marketing automation from one centralized system.
For lenders, the integration ensures full visibility, compliance, and real-time data access, allowing them to protect their market position and scale more effectively within merchant networks. This unified structure eliminates the fragmentation that has historically slowed retail and financing growth while delivering measurable ROI for every participant in the ecosystem.
“The retail landscape is evolving faster than ever, and manufacturers can no longer afford to think like suppliers — they must think like brands,” said David Bregler, CEO of B3 Cloud Commerce. “Our platform gives manufacturers and merchants the same digital firepower as enterprise retailers — the ability to activate data, engage consumers intelligently, and turn online discovery into financed, measurable sales. Together with AudienceActivator and LendPro, we’re defining what modern retail enablement truly means.”
About B3 Cloud Commerce
B3 Cloud Commerce provides enterprise-grade e-commerce and product information management systems integrated with full AI business tools that support content creation, SEO, inventory automation, analytics, and workflow optimization. The platform enables retailers, manufacturers, and service providers to operate with the sophistication of enterprise commerce at a fraction of the cost.
About AudienceActivator.ai
AudienceActivator.ai is an AI-powered intent and audience intelligence platform designed to identify, enrich, and activate high-intent consumer data, helping brands and retailers reach the right customers at the right time.
About LendPro
LendPro is the leading consumer finance technology platform offering a single, secure credit application that connects shoppers to multiple lenders across the credit spectrum. Trusted by top retailers nationwide, LendPro powers embedded financing online and in-store.
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Media Contacts:
B3 Cloud Commerce
David Bregler, CEO
david@b3c2.com
AudienceActivator.ai
James Hamilton, Managing Founder
james@audienceactivator.ai
LendPro
Matthew Dishman, CEO
mdishman@mylendpro.com