It looks like funding is done via ACH. Does your business operate a credit operation as well to handle the risk of spending money and unable to complete the ACH

It looks like funding is done via ACH. Does your business operate a credit operation as well to handle the risk of spending money and unable to complete the ACH transaction? I've always wondered about the business side of that...where does the money come from, how is individual debt handled. Do you operate collections? How do you do this without requiring a credit check? etc..