Cashco Financial Services Inc

What Cashco Financial Services Inc does

Cashco Financial Services Inc is a privately held Oregon consumer finance company founded January 2, 1989 by Michael Rosenberg, headquartered in Tigard, Oregon. The company provides a single product line of traditional installment loans ranging from $1,000 to $6,000 with fixed rates, fixed monthly payments, and 10-18 month repayment terms; APR does not exceed 36% per Oregon regulations. Underwriting is performed manually by trained staff rather than through automated credit decisioning, with a stated emphasis on budget-based affordability assessment and credit bureau reporting to Equifax, Experian, and TransUnion to support customer credit-building. CashCo holds an Oregon Traditional Installment Lender license under Chapter 725 (NMLS 1235233) and is an active AFSA member.

The company operates a hybrid distribution model combining 8 physical branch locations across Western Oregon (Albany, Eugene, Gresham, Hillsboro, Lebanon, McMinnville, North Salem, Woodburn) with an online application portal powered by CyclCRM and online payment processing through Princeton eCommerce. Marketing is conducted through paid digital advertising (Google Ads, Meta Ads, Microsoft Ads), an organic blog, SEO, Google Reviews testimonials, and a customer referral program paying $50 per funded referral. The company employs 11-50 staff and offers bilingual (English/Spanish) service.

CashCo is bootstrapped and family-controlled, with no institutional investors, no parent company, and no public listing. Revenue is generated solely from interest and fees on installment loans; revenue figures are not publicly disclosed. Recent operational actions include the August 2023 closure and consolidation of the Keizer branch into the West Salem branch, expansion of paid digital advertising channels, and ongoing AFSA industry advocacy. The company positions itself as a community-rooted, human-centered alternative to fintech and predatory lenders serving Oregon consumers underserved by traditional banks.

Name

Cashco Financial Services Inc

Legal name

Cashco Financial Services, Incorporated

Website

https://cashcoloan.com

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

11–50 employees

Short description

Cashco Financial Services Inc is a privately held Oregon consumer finance company founded in 1989, providing installment loans of $1,000-$6,000 to individual borrowers across Western Oregon through 8 branch locations and online channels, with human-driven underwriting.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Credit Intermediation and Related Activities (522)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Emergency & Short-Term Installment Personal Loans (Unsecured) (FSAKAAAH)

akta.pro secondary industry

Small-Dollar Short-Term Installment Loans (Non-payday) (FSAKAMAI)

Keywords

• Consumer installment loans
• Personal lending services
• Small dollar loans
• Credit building loans
• Subprime consumer finance

Headquarters

HQ city

Tigard

HQ country

United States

HQ region

North America

Offices9 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Installment Loan Interest and Fees: CashCo earns revenue through interest charges and fees on installment loans. Loans range from $1,000 to $6,000 with APR not exceeding 36%. Example: $2,500 loan at 35.9% APR over 12 months results in monthly payments of ~$271.48 with total payback of $3,257. Revenue is generated from one-time loan transactions with fixed repayment terms of 10-18 monthly payments.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

CashCo Financial Services provides small-dollar Traditional Installment Loans to individual consumers in Oregon, ranging from $1,000 to $6,000 with 10-18 month fixed repayment terms and APR capped at 36%. Credit decisions are made by human underwriters rather than automated systems, loans require no collateral, and payments are reported to all three major national credit bureaus to support customer credit-building. Services are distributed through 8-9 physical branches in Western Oregon and an online application portal with approximately one-hour approval decisions and same-day funding.

Product overview

CashCo Financial Services offers a single unified product line centered on Traditional Installment Loans, providing small consumer loans of $1,000 to $6,000 with fixed rates and monthly payments over 10-18 months. The company differentiates through human-driven credit decisions (not automated), bilingual staff support, and reporting to all three major credit bureaus. Access channels include an online application platform (via CyclCRM), an online payment portal (via Princeton ECommerce), and 8 physical branch locations throughout Western Oregon. The company emphasizes personal service, with credit decisions made by 'thinking, feeling, and caring professionals' rather than automated systems.

Differentiator

Problem solved

Functional benefit

Products and services

• Traditional Installment Loans Small-dollar personal installment loans ranging from $1,000 to $6,000 with 10-18 monthly payments, APR capped at 36%, fixed rates, fixed payments, no prepayment penalties, no collateral required, and reporting to all three major national credit bureaus (Equifax, Experian, TransUnion). Designed for individual consumers in Oregon seeking accessible personal credit.
• Online Loan Application Online application experience, powered by the third-party CyclCRM platform, allowing customers to apply for CashCo installment loans from any location. Applications are processed by a dedicated department with approval typically within approximately one hour during business hours.
• Online Payment Portal Secure online payment system, provided through Princeton eCommerce (CollectPay), that allows customers to make installment loan payments via debit card or ACH transfer from their checking account.
• In-Person Loan Services Face-to-face loan application and servicing experience delivered at 8 branch locations throughout Western Oregon (Albany, Eugene, Gresham, Hillsboro, Lebanon, McMinnville, North Salem, and Woodburn), offering the same installment loan products with personal assistance from bilingual staff.

Quantifiable outcome

• Loans funded within approximately 1 hour of application approval
• +1 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature3 records

Partnerships

One partnership is on record.

• American Financial Services Association (AFSA)coreOthersCashCo is an active member of the American Financial Services Association, a trade organization for the consumer finance industry. CashCo President Julie Ausland and CEO Michael Rosenberg have participated in AFSA events including visits to Capitol Hill.

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Mariner Finance: Mariner Finance is a privately held consumer installment lender with a substantial branch footprint across the U.S., offering unsecured personal loans, auto refinance, and home improvement loans to near-prime borrowers. Closely mirrors CashCo's branch-led, relationship-driven underwriting stance.
• Regional Management Corp. Regional Management is a publicly-traded consumer finance company that originates and services small-installment and direct loans through branches concentrated in the U.S. Southeast and Texas. Product mix, branch-driven distribution, and near-prime underwriting are highly comparable to CashCo.
• Fortiva Financial: Fortiva Financial provides installment loans and retail credit cards to non-prime consumers through an online direct-to-consumer model. Comparable underwriting stance and product economics to CashCo despite a lighter geographic footprint.
• NetCredit: NetCredit is an online personal installment lender (Enova subsidiary) focused on non-prime consumers in select U.S. states. Comparable product offering (unsecured installment loans to credit-challenged borrowers) but distributed digitally rather than branch-led.
• Lendmark Financial Services: Lendmark delivers personal installment loans, debt consolidation, and retail financing through a regional U.S. branch network. Comparable direct peer: similar fixed-rate, unsecured installment products targeting near-prime consumers with a hybrid branch + digital model.
• OneMain Financial: OneMain is the largest U.S. installment lender for non-prime consumers, offering secured and unsecured personal loans through ~1,300 branches nationwide. It is the public-market proxy for CashCo's exact business model: small-dollar, fixed-rate, human-underwritten installment loans to credit-constrained borrowers.
• World Acceptance Corporation: World Acceptance provides short-term and longer-term installment loans to underbanked consumers through a U.S. branch network. Its deep subprime installment lending model is one of the closest comparables to CashCo's Traditional Installment Loan product.
• Heights Finance: Heights Finance operates installment lending branches across the U.S. providing personal, auto, and home equity loans to near-prime consumers. Directly comparable to CashCo in target customer, pricing band, and branch-based origination model.

Emerging players

• Prosper Marketplace: Prosper is an online personal loan marketplace serving near-prime borrowers with fixed-rate, fixed-term installment loans. Comparable in product, term, and customer segmentation, but technologically native and competing in the same lending pool at a national scale.
• LendingClub: LendingClub is a digital bank and online personal loan platform offering unsecured installment loans to a broad credit spectrum. Comparable product (fixed-rate installment) and overlapping customer pool (prime to near-prime), but with a much larger scale and technology-led origination model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/about

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cashco Financial Services Inc