The Lending Engine
The Lending Engine is GOLDPoint Systems' all-inclusive lending solution. Our loan origination, loan servicing and lending APIs power the custom fintech products that streamline your lending experience.
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Powering Profitable Lending
The Lending Engine allows you to be creative and innovative while we provide the foundation on which to build your lending business. Whether you finance directly or indirectly, specialize in auto loans or personal loans, our products can adapt to your company's unique needs.
Lend Your Way
Our lending APIs and 350+ integrations allow you to make our web-based lending software your own.
Customize our products to fit your look. It won't change the rock-solid GOLDPoint Systems' foundation your business is built on. Grow your lending business the way you want.
Limited by Out-of-the-Box Software?
Technology moves fast, and falling behind can cost your organization dearly.
There’s a Better Way to Get More Loans.
Our lending APIs allow you to bring in loans from anywhere in the US, automate the whole origination flow, process any kind of payment and integrate with any additional tool you need.
- Service any type of loan, in any state.
- Help your borrowers apply online and be approved instantly.
- Use our drag-n-drop underwriting tool to create new loan products.
- Our cloud-based data will allow you to keep track of your branches from anywhere.
- Make it yours with our robust APIs and 350+ integrations.
So, How do You do it?
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Step 1: Enable more lending channels
- Dealers and indirect loans
- Integrate with 3rd parties
- Online loan applications for consumers and dealers
- Origination API
- Integrate with aggregators
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Step 2: Automate the origination Process
- Automated Workflow Engine
- Electronic Documents and E-Signatures
- Instant Funding to Debit Cards
- Direct Deposits for Dealers and Consumers
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Step 3: Fund and service any type of loan
- Automatically configure fees based on local, state, and federal laws.
- Add-on insurance or ancillary products into the final loan calculations.
- Compare monthly loan repayments based on extending the loan for longer months or for a greater loan amount.
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Step 4: Process any type of payment
- Payment Portal can process debit, credit, Apple Pay, Google Pay, and PayPal.
- Traditional ACH methods from a checking or savings account are also allowed via a payment website.
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Step 5: Service loans with ease
- Payments are automatically applied to the loan in the order designated by the type of loan.
- Notify borrowers about due dates or missed payments via text.
- Create user-defined reports from specific loan data
- Delinquency and money recovery
- Complete investor securitization and vaulting and storage of documents.
Integrations
We grow faster when we work together. That's why GOLDPoint's integrations make it easy to:
- Originate loans online or in your branch
- Receive payments across multiple channels
- Have two-way compliant communication via text and email
- Grow your lending business exactly the way you intended to
Our System Works 24/7, So You Don't Have To.
On average, lenders grow 246% while on our system. With our APIs and powerful automation, you’ll increase your revenue while lowering your costs.
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Compliance
We want you to feel confident knowing that your data is hosted on safe and compliant systems with up-to-date information security standards. Policies and procedures for keeping data safe and secure are put in place by the Security Committee, led by a full-time Chief Information Security Officer that reports directly to the Board of Directors.
Security
GOLDPoint has regular external audits that are published to clients. An annual SOC 1, type II, and a SOC 2, Type II audit is performed to ensure that we follow the controls it has in place. These reports provide information on the internal controls and activities designed and implemented by GOLDPoint Systems.