Small Dollar Lending Platform

When member households are unable to build substantial savings, it leaves them vulnerable to unexpected expenses and significant life changes. Our fintech solutions are designed to help credit unions strengthen the financial future of families and the communities in which they live through the use of affordable digital small dollar loans. We believe every person has the capacity to create and achieve lasting financial wellbeing if given the tools and the resources to do so.

Our innovative software provides credit unions with a customizable, responsible digital small dollar lending platform to offer their members the high-quality mobile lending products they have come to expect. Our cloud-based, white label small dollar lending platform is fully configurable to offer virtually any combination of features required to meet your financial institution’s objectives. Best of all, it doesn’t require extra staffing to implement. It’s your brand powered by QCash®. Patent Pending.

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Automating small dollar loans

Our QCash® small dollar lending platform gives your credit union the ability to automate responsible small dollar loans, as low as $50 and usually less than $4,000. Unlike predatory payday loans, which typically include high interest rates and keep customers in a long-term debt cycle, QCash® loans maintain lower interest rates and shorter payback terms.

Simplifying your lending process

The platform is not limited to traditional small dollar loans, and can also be used to automate other unsecured loans, such as personal loans, pre-approved loans and lines of credit.

Learn more with our product PDF

We leverage QCash automated technology to support relationship-based, pre-approved loan offers efficiently. Interested in learning more?

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Additional Customizable Features Include:

  • Campaign Management – Leveraging the automation engine, clients are able to automate customer acquisition of pre-approval offers, as well as offer specialty loans (i.e. emergency, furlough, etc.).
  • Loyalty Rewards – Credit unions can refund fees to customers who have successfully repaid prior loans.
  • Multi-Language Capability – This allows clients to offer non-English languages and reach underserved demographics.
  • Personalized Data Model Support – For clients who have developed their own small dollar loan predictive model.
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Platform Integration

We deliver a multi-channel integration experience that is built with your brand on our platform.

No Credit Check Required

The data analytics engine leverages your customer relationship data to manage risk. No credit score is used.

No Credit Check Required

Built with your business rules in mind, we are able to originate and fund a loan any time, in just one minute or less.

Our products are designed to help strengthen the financial future of families and the communities they live in. We believe every person has the capacity to create and achieve lasting financial well-being if given the tools and the resources to do so.