eCash
Vergent LMS is a cloud-based SaaS loan management platform serving consumer and small-dollar lenders with end-to-end origination, servicing, payments, and compliance tooling across 20,000+ daily users.
- Company typePrivate
- Founded2010
- HeadquartersRye, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What eCash does
Vergent LMS is a cloud-based SaaS lending platform founded in 2010 by former lenders, providing end-to-end loan lifecycle management across origination, servicing, payments and collections, reporting, and accounting. The platform supports multiple loan product types including installment loans, payday loans, cash advances, auto title loans, check cashing, consumer loans, lines of credit, online lending, and small dollar lending, and is used by 20,000+ daily end users across credit unions, auto and title lenders, consumer finance storefront lenders, community banks, multi-location lenders, online lenders, CDFIs and non-profit lenders, and healthcare financing providers. Notable customers include the FDIC and TMX Finance Family of Companies.
The platform's underlying technology is built on cloud-based SaaS architecture with 80+ pre-built fintech integrations spanning fraud and underwriting, payments and funding, communications, lead generation, and money services. Technical components include rule-based automation workflows, automated contact center communications, automated GL entries and reconciliation, real-time portfolio analytics, regulatory reporting, and machine-learning-based decisioning delivered through third-party partners. The user interface is responsive, supports Spanish language access, and includes customer and retail portals. State compliance is built in across multiple loan product types.
The company operates a direct enterprise field sales motion with quote-based SaaS subscription pricing on an annual billing cadence and a partner network for mid-market reach. It is headquartered in Ridgeland, Mississippi with a secondary office in Plano, Texas, and operates with between 11 and 50 employees. The firmographic header identifies the entity as 'eCash' with a website at ecashsoftware.com located in Rye, while the substantive content describes the Vergent LMS platform headquartered in Ridgeland, Mississippi, indicating a mismatch between the firmographic label and the analyzed entity.
eCash firmographics
Firmographics- Name
- eCash
- Legal name
- Vergent LMS
- Website
- https://ecashsoftware.com
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Vergent LMS is a cloud-based SaaS loan management platform serving consumer and small-dollar lenders with end-to-end origination, servicing, payments, and compliance tooling across 20,000+ daily users.
- Ownership category
- akta.pro rank
eCash industry classification
Industry- Product category
- Loan Management Software
- NAICS
- Software Publishers (5132), Computer Systems Design and Related Services (54151), Custom Computer Programming Services (541511)
- SIC
- Services-Prepackaged Software (7372), Services-Computer Programming Services (7371)
- akta.pro primary industry
- Loan Servicing Platforms (Billing, Statements, Customer Self-Service) (FSAGAHAH)
- akta.pro secondary industries
- Invoicing, Billing & Accounts Receivable Automation (FSAGAJAC), Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK)
Keywords
Where eCash is headquartered
LocationHeadquarters
- HQ city
- Rye
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
eCash business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- SaaS Subscription: Cloud-based SaaS platform with subscription pricing model. Lenders pay for access to the complete loan lifecycle management system including origination, servicing, payments, reporting, and accounting modules.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Enterprise tier for large lenders |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels8 records
eCash product offering
Product offeringCore offering
eCash sells a cloud-based SaaS lending software platform (Vergent LMS) that enables lenders to manage the complete loan lifecycle — origination, processing, servicing, payments and collections, automation, reporting, and accounting — in a single integrated system. The platform supports multiple loan product types (installment, payday, auto title, line of credit, cash advance, consumer, small dollar, and online lending) and includes 80+ pre-built fintech integrations, AI-supported decisioning, rule-based workflows, and built-in state compliance.
Product overview
Vergent LMS is a unified cloud-based SaaS lending software platform that provides end-to-end loan management capabilities across the complete loan lifecycle. The platform consists of a core loan management system with integrated modules for origination, servicing, processing, payments & collections, reporting, automation & workflows, accounting, and loan marketing. The system supports multiple loan product types including installment loans, payday loans, cash advances, auto title loans, check cashing, consumer loans, line of credit, online lending, and small dollar lending. The platform features 80+ pre-built fintech integrations and is accessible via user-friendly dashboards, customer portals, and retail portals with Spanish language support.
Differentiator
Problem solved
Functional benefit
Products and services
- Installment Loans
Quantifiable outcome
- 20,000+ daily software users served
- +2 more outcomes
Companies that use eCash
Customer profileNamed customers6 records
Segments9 records
Ideal customer profiles5 records
eCash technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability3 records
Feature8 records
eCash partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and flagship.
- MariaDBcoreMariaDB partnership enabled Vergent LMS to move from manual scripts for each customer request to a more efficient database solution. This partnership reduced overhead and made data more accessible to Vergent's lending customers, earning Vergent the MariaDB OpenWorks SaaS Application of the Year award.
- 80+ Fintech Integration PartnerscoreVergent LMS has 80+ pre-built connections to fintech partners providing services such as fraud & underwriting, payments & funding, communications, lead generation, and money services. These integrations enhance the platform's functionality without requiring custom development.
- FDICflagshipThe FDIC (Federal Deposit Insurance Corporation) relies on Vergent's Loan Management Software to support its mission of maintaining stability and public confidence in the nation's financial system. This represents a flagship customer reference for the platform's enterprise capabilities.
Scale indicators4 records
Recent moves5 records
Expansion highlights5 records
eCash competitors and assessment
Company assessmentBroad incumbents
- nCino: nCino is a leading cloud-based bank operating system serving commercial, retail, and mortgage lenders with loan origination and onboarding. While significantly larger and broader in scope, it competes with Vergent for loan origination and servicing workloads at banks and credit unions.
- Temenos: Temenos is a global banking software provider offering loan origination and lifecycle management as part of its core banking platform. While focused on larger banks internationally, it competes with Vergent for digital lending modernization deals at community and mid-sized institutions.
- Black Knight (ICE Mortgage Technology): Black Knight, now part of ICE, provides mortgage and consumer lending technology including the Empower loan origination system and MSP servicing platform. It is a broad incumbent competitor in loan origination and servicing, particularly for mortgage and larger consumer lenders.
- Finastra: Finastra provides a broad suite of financial services software including loan origination, servicing, and treasury solutions to banks and credit unions globally. As a broad incumbent, it competes with Vergent for digital lending modernization projects at financial institutions.
- FIS LoanSphere: FIS (Fidelity National Information Services) is a global financial technology provider whose LoanSphere suite serves commercial, consumer, and mortgage lenders with origination, servicing, and decisioning. As a broad incumbent, it competes with Vergent at larger enterprise accounts.
Direct peers
- Decision Logic: Decision Logic provides loan origination and decisioning software focused on consumer and small business lenders, with particular strength in auto and installment lending. It directly competes with Vergent's origination and decisioning capabilities for similar lender profiles.
- Lendio: Lendio operates a small business loan marketplace and provides lending technology solutions to lenders and partners. It targets similar SMB and consumer lender segments and overlaps with Vergent in providing software infrastructure for non-bank lenders.
- TurnKey Lender: TurnKey Lender offers an AI-powered lending automation platform covering origination, underwriting, servicing, and collections for consumer, SMB, and embedded finance use cases. It is a direct competitor in the unified lending lifecycle SaaS category where Vergent operates.
- LoanPro: LoanPro provides cloud-based loan origination and servicing software for consumer, small business, and specialty lenders. Its modular platform and API-first architecture closely overlap with Vergent's end-to-end lending lifecycle offering for similar customer segments.
Emerging players
- LendingPad: LendingPad provides cloud-based loan origination software focused on mortgage and consumer lenders, with emphasis on workflow automation and compliance. It is an emerging player with partial overlap to Vergent's loan origination capabilities, particularly in the consumer lending space.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
eCash social profiles
Digital presenceeCash financial estimates
Financial estimateRevenue estimate
Valuation estimate
eCash leadership team
Management profileNumber of profiles
Profiles1 record
eCash funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
eCash M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about eCash
What does eCash do?
eCash sells a cloud-based SaaS lending software platform (Vergent LMS) that enables lenders to manage the complete loan lifecycle — origination, processing, servicing, payments and collections, automation, reporting, and accounting — in a single integrated system. The platform supports multiple loan product types (installment, payday, auto title, line of credit, cash advance, consumer, small dollar, and online lending) and includes 80+ pre-built fintech integrations, AI-supported decisioning, rule-based workflows, and built-in state compliance.
Is eCash a public or private company?
eCash is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was eCash founded?
eCash was founded in 2010. It employs 11 to 50 people.
Where is eCash based?
eCash is headquartered in Rye, United States, in the North America region.
How does eCash make money?
One revenue line is on record: saaS Subscription.
Who are eCash's main competitors?
Broad incumbents on record are nCino, Temenos, Black Knight (ICE Mortgage Technology), Finastra and FIS LoanSphere. Direct peers are Decision Logic, Lendio, TurnKey Lender and LoanPro. LendingPad is listed as an emerging player.
Does eCash have an API?
No public API is recorded for eCash.
What industry is eCash in?
eCash's product category is Loan Management Software. Its primary akta.pro industry code is FSAGAHAH, Loan Servicing Platforms (Billing, Statements, Customer Self-Service), with a secondary code of FSAGAJAC, Invoicing, Billing & Accounts Receivable Automation. Its NAICS code is 5132 and its SIC code is 7372.