Loan origination software should be user-friendly, intuitive and tailored to the institution's needs. Our browser-based loan origination system, GOLDTrak Online (GTO), enables you to customize the loan application experience to meet your unique lending needs. Each loan product offering can be configured to maximize efficiency while ensuring key information is collected. Built on a scalable architecture, the platform is designed to grow with your institution. See how GOLDPoint Systems is helping revolutionize the lending industry.
A Complete Online Loan Origination System
Our automated loan origination powerhouse deftly executes every step of the loan origination process. Is your loan software browser based yet, or are you still downloading?
Is Your Loan Origination Platform Limiting Your Growth?
Loan Origination Software That's Flexible and Customized to Your Origination Process

Benefits of an Automated Loan Origination System
Automated Loan Origination Software That Works For You
Flexible Loan Origination Software Customized to Your Origination Process
Our origination system deftly handles the complexities and diversities of the lending environment, whether dealing with direct or indirect loans, interest-bearing accounts, or Rule of 78s. We manage a variety of promotional offers such as Same-as-Cash, Deferred Payment, Deferred Interest, Interest-Free and Seasonal Payments.

Powerful, Customizable Loan Origination Software
Loan Origination Software to Make Your Life Easier
Automated Workflows, Underwriting and Credit Decisioning
Get API-based, accurate and instant decisions. The muscle behind our loan origination software is our Automated Workflow Engine, an advanced workflow and credit decisioning tool designed with the end user in mind. This automation tool enables effortless customization of decisioning rules, ensuring accuracy and consistency, thereby saving time and resources.
Work smarter, not harder.
Integration with 3rd-Party Aggregators and Collateral Valuation Services
In the current fintech landscape, loan applications often originate from diverse sources. By leveraging our loan origination APIs, you can integrate applications from various 3rd-party aggregators, enabling a seamless omnichannel approach to loan processing. In addition, collateral valuation can be performed within the application using third parties such as Kelley Blue Book, JD Power and Blackbook.
E-Signature for Documents Anywhere, Anytime
Our loan origination software integrates directly with our document engine to enable e-signature capabilities through third-party services like Crypton. This allows users to sign documents from the comfort of their own homes.
Embedded Dealer Management System
Our integrated dealer management system, coupled with our dealer application web portal, offers comprehensive functionality. This is especially helpful for institutions operating in the retail sector or getting loans from dealerships. Third-party lenders can submit applications and monitor their status. Institutions can manage dealer access to the portal and regulate the promotional plans available. Dealer performance is meticulously tracked, enabling the company to assess the quality of applications received from 3rd parties.
See What Our Partners Have to Say
Don't take our word for it. Read what others who use our loan origination software have to say about us.
Can't Wait to See What the Future Holds
I’ve been in finance for over 30 years and have been waiting for an online origination system that doesn’t take a programmer to make changes. GOLDTrak Online is easy to use and understand. The flexibility this system offers makes all the difference in a fast-paced world. It allows customization of screens, drop-down options and even allows you to have multiple application templates. Can’t wait to see what the future holds for this system.
Peggy Bachota - SVP, IT Business Services
Lendmark FinancialWorking with GOLDPoint Systems for 17 Years
"Working with GOLDPoint Systems over the last 17 years has been a mutually beneficial partnership. The suite of software applications used has provided Sheffield the ability to grow its business and remain competitive in the consumer financing marketplace. Additionally, their progression to the new “Lending Engine”, demonstrates the commitment towards enhancing their technology stack as a long term strategy."
Jesse Coleman - SVP Systems & Admin
Sheffield FinancialProud Partners with GOLDPoint
"We’ve been proud partners with Goldpoint since 2014, and it’s been an incredible journey working together in the consumer finance industry. As a preferred vendor, we’re honored to play a key role in helping deliver the kind of solutions and experiences our mutual clients deserve.
Our strong relationship is built on trust and collaboration, and our sales engineering team works very closely with the Goldpoint developers to deliver exceptional integrated solutions. By combining our expertise, we’ve been able to streamline payment processes and create an all-around positive experience for our clients and their customers.
We’re excited to continue building on our partnership with Goldpoint and can’t wait to see what we’ll achieve together next!"

Pam Hendee - VP Sales
REPAYAll-Inclusive Lending Software
"Our company converted to GOLDPoint Systems in 2015. We were looking for an all-inclusive lending software package that could not only meet our company’s current and future needs, but one that was provided by a financially strong and stable company. Being a smaller firm in the industry without a large IT Department to resolve issues between different software providers, we needed a one stop shop for origination, servicing, general ledger, and interfacing with industry related companies.
GOLDPoint’s software provides for all our essential needs: direct and indirect loan origination, loan servicing, imaging, online applications, payments, APIs with various industry providers, and electronic transmissions to our service providers. GPS is committed to industry and are aleading supporter of our industry’s national trade association – the American Financial Services Association (AFSA). We have truly appreciated and valued our working partnership and relationship with GPS over the past nine years."

Pat St. Charles III - CEO
Citizens Savings & LoanGOLDPoint Systems is a True Ally
"GOLDPoint Systems is a true ally of Solutions by Text, helping us deliver effective solutions to our customers. Their robust API integration into our FinText™ platform significantly enhances our customers’ ability to seamlessly communicate and service their loans within their loan management system, streamlining processes and improving efficiency.
I appreciate their team’s commitment to innovation, consistently finding new ways to meet our needs and adapting to the ever-changing financial landscape. Their collaborative approach ensures that we can achieve our business goals, enhance customer satisfaction, and maintain a competitive edge in the market."

Mahala Johnson - VP Product Management
Solutions By TextCan't Wait to See What the Future Holds
I’ve been in finance for over 30 years and have been waiting for an online origination system that doesn’t take a programmer to make changes. GOLDTrak Online is easy to use and understand. The flexibility this system offers makes all the difference in a fast-paced world. It allows customization of screens, drop-down options and even allows you to have multiple application templates. Can’t wait to see what the future holds for this system.
Peggy Bachota - SVP, IT Business Services
Lendmark Financial
Working with GOLDPoint Systems for 17 Years
"Working with GOLDPoint Systems over the last 17 years has been a mutually beneficial partnership. The suite of software applications used has provided Sheffield the ability to grow its business and remain competitive in the consumer financing marketplace. Additionally, their progression to the new “Lending Engine”, demonstrates the commitment towards enhancing their technology stack as a long term strategy."
Jesse Coleman - SVP Systems & Admin
Sheffield Financial
Proud Partners with GOLDPoint
"We’ve been proud partners with Goldpoint since 2014, and it’s been an incredible journey working together in the consumer finance industry. As a preferred vendor, we’re honored to play a key role in helping deliver the kind of solutions and experiences our mutual clients deserve.
Our strong relationship is built on trust and collaboration, and our sales engineering team works very closely with the Goldpoint developers to deliver exceptional integrated solutions. By combining our expertise, we’ve been able to streamline payment processes and create an all-around positive experience for our clients and their customers.
We’re excited to continue building on our partnership with Goldpoint and can’t wait to see what we’ll achieve together next!"

Pam Hendee - VP Sales
REPAY
All-Inclusive Lending Software
"Our company converted to GOLDPoint Systems in 2015. We were looking for an all-inclusive lending software package that could not only meet our company’s current and future needs, but one that was provided by a financially strong and stable company. Being a smaller firm in the industry without a large IT Department to resolve issues between different software providers, we needed a one stop shop for origination, servicing, general ledger, and interfacing with industry related companies.
GOLDPoint’s software provides for all our essential needs: direct and indirect loan origination, loan servicing, imaging, online applications, payments, APIs with various industry providers, and electronic transmissions to our service providers. GPS is committed to industry and are aleading supporter of our industry’s national trade association – the American Financial Services Association (AFSA). We have truly appreciated and valued our working partnership and relationship with GPS over the past nine years."

Pat St. Charles III - CEO
Citizens Savings & Loan
GOLDPoint Systems is a True Ally
"GOLDPoint Systems is a true ally of Solutions by Text, helping us deliver effective solutions to our customers. Their robust API integration into our FinText™ platform significantly enhances our customers’ ability to seamlessly communicate and service their loans within their loan management system, streamlining processes and improving efficiency.
I appreciate their team’s commitment to innovation, consistently finding new ways to meet our needs and adapting to the ever-changing financial landscape. Their collaborative approach ensures that we can achieve our business goals, enhance customer satisfaction, and maintain a competitive edge in the market."

Mahala Johnson - VP Product Management
Solutions By Text