GDS Link Announces Partnership with Carleton, Inc.

(DALLAS, TX, January 25, 2024)—GDS Link, a global leader in credit risk decisioning solutions, today announced a strategic partnership with Carleton by integrating Carleton’s compliant financial calculations, CarletonCalcs®, and lending document generation software, CarletonDocs®, within GDS Link’s Credit Risk Decisioning solutions.

CarletonCalcs®, a suite of configurable payment calculation and compliance APIs, is designed to integrate seamlessly with lending and leasing applications, supporting product calculation requirements while adhering to compliance at lender, state, and federal levels. CarletonDocs® further enhances this integration by offering streamlined document processing, ensuring rapid and compliant document generation and delivery. This partnership significantly bolsters GDS Link’s capabilities in data aggregation and responsive decisioning, providing lenders with a robust solution in credit risk management.

The partnership between GDS Link and Carleton unites Carleton’s specialized APIs — OriginationPlus, Compliance, and Student Lending — with GDS Link’s Credit Risk Decisioning solutions. This partnership creates a robust, comprehensive lending platform. It enables precise, compliant payment calculations and enhances customer engagement through efficient loan origination processes. Incorporating advanced models, third-party data, and electronic documentation, this integrated solution streamlines underwriting and bolsters fraud prevention, delivering a seamless and responsive lending experience.

“Partnering with Carleton is a pivotal step in our mission to transform the lending and leasing industry. Carleton’s innovative CarletonCalcs® and CarletonDocs® align with and enhance our credit risk decisioning solutions. This collaboration is a testament to our commitment to strategic partnerships and our pursuit of excellence, empowering our clients worldwide with the most advanced, compliant, and seamlessly integrated financial solutions,” said Lisa Bonalle, CEO of GDS Link.

“GDS Link and Carleton mutually embrace the importance in providing lenders with precise and compliant payment calculations,” said Matt Ruszkowski, President and COO of Carleton. Matt continued by saying, “The online lending space continues to grow and evolve which has pressured lenders to adapt. GDS Link’s end-to-end solution allows lenders to capitalize the online market and eliminates the concern of needing to overhaul their existing systems which creates an opportunity to make an immediate impact.”


About Carleton, Inc:

Carleton is the country’s leading provider of financial calculation software, loan origination compliance support, and document generation software. With over 50 years of experience, our ongoing expertise and industry knowledge reaffirms why Carleton is a trusted partner. Founded in conjunction with the Truth In Lending Act, Carleton provides expert compliance support with continuous accuracy in all our calculations and disclosures at a state and federal level. To learn more about Carleton’s lending solutions, visit or contact our sales team at or 574-243-6040 option #3.


About GDS Link:

GDS Link is a global leader in credit risk and decisioning solutions, boasting over 18 years of experience. Specializing in data aggregation, advanced analytics, and responsive decisioning, GDS Link’s comprehensive solutions currently deliver over a billion decisions annually, enhancing the customer journey and making a significant impact for clients across 46 countries. The company’s expertise is bolstered by strong strategic partnerships in financial services and technology, enhancing credit risk management and business growth.

For more information, visit

Request a Demo

From loan originations and decisioning, to customer management and beyond, GDS Link helps thousands of clients manage risk while driving growth.