Small loan Software

What Small loan Software does

Small Loan Software is the operating brand of Consumer Finance Systems, Inc. (CFS Software), a privately held, founder-owned software company founded in 1986 and headquartered in Bedford, Texas. The company sells the Loan Plus 3 (LP3) platform — a purpose-built loan management system for consumer installment, payday, title, and Credit Access Business (CAB) lenders operating across multiple U.S. states. Its customers are primarily small and mid-market regulated lenders, with the platform deployed across more than 800 branch locations managing over $200 million in active loans in Nevada alone.

The LP3 platform comprises two core components: LP3-LMS (loan servicing, payment processing, collections, compliance controls, and reporting) and LP3-HO (a centralized corporate portal for origination workflows, decisioning rules, documentation generation, and multi-location lead management). It is delivered as either cloud-hosted SaaS or on-site server deployment, with comprehensive implementation, training via the LearnSLS self-serve platform, and 24/7 emergency support included. Differentiated compliance features include Texas Chapter 393 CAB (broker-lender split tracking, OCCC reporting), Texas 342E/342F installment disclosures, and native Nevada NVLDS integration via Catalis. The company extends the platform into vertical-specific financing modules for healthcare (orthodontic, dental, LASIK, hearing, dermatology, plastic surgery, wellness) and retail (furniture, funeral, HVAC) point-of-sale financing.

Revenue is generated primarily through annual subscription licensing for LP3-LMS and LP3-HO, supplemented by implementation and training professional services. Distribution is direct, via phone sales (1-800-460-4600) and website-driven demo requests, with publicly disclosed pricing used as a deliberate differentiator. The firm has 1-10 employees, no external capital, and has operated continuously for over 40 years, indicating a profitable, cash-funded niche-software business rather than a venture-backed growth company.

Name

Small loan Software

Legal name

Consumer Finance Systems, Inc.

Website

https://smallloansoftware.com

Company type

Private

Founded year

1986

Operating status

Operating

Headcount range

1–10 employees

Short description

Small Loan Software, a DBA of Consumer Finance Systems, Inc., sells the Loan Plus 3 (LP3) loan management platform to U.S. consumer installment, payday, title, and CAB lenders. The Bedford, Texas-based, founder-owned company serves multi-state operators across 800+ branch locations with state-specific compliance features.

Ownership category

akta.pro rank

Product category

Loan Management Software

NAICS

Software Publishers (513210), Software Publishers (5132), Custom Computer Programming Services (541511)

SIC

Services-Prepackaged Software (7372), Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

SME Lending & Working Capital Platforms (FSAGAJAA)

akta.pro secondary industries

SME Lending Platforms & Embedded SME Credit (FSAKAGAJ), SME Credit Underwriting, Scoring & Risk Analytics (FSAKAGAL)

Keywords

• Loan management software
• Consumer lending software
• Payday loan software
• Installment loan software
• Title loan software

Headquarters

HQ city

Bedford

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Software Subscription (LP3-LMS and LP3-HO): Annual or multi-year subscription licensing for the Loan Plus 3 platform components. Includes cloud-based and on-site hosting options with comprehensive training and support.
2. Implementation and Training Services: Comprehensive implementation support including data migration, parallel testing, employee training via video training library, and go-live support.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Small Loan Software (operated by Consumer Finance Systems, Inc. / CFS Software) sells the Loan Plus 3 (LP3) SaaS platform — a comprehensive loan management system for consumer, installment, payday, title, and small business lenders. LP3 consists of LP3-LMS (loan servicing, payment processing, collections, compliance, reporting) and LP3-HO (centralized multi-location origination, decisioning, and documentation). The platform is offered as either a cloud-based SaaS subscription or an on-site server deployment, and includes specialized financing modules for medical, retail, and home-services providers.

Product overview

Small Loan Software offers a comprehensive, unified loan management platform centered on two primary products: Loan Plus 3 (LP3-LMS), a full-featured loan management system handling consumer, installment, title, and small business loans, and Loan Plus HO (LP3-HO), a centralized corporate portal for multi-location management and lead/origination workflows. The platform provides end-to-end loan lifecycle management from application through payoff. Beyond core loan management, the company offers specialized financing modules for medical and healthcare providers (orthodontic, dental, plastic surgery, elective surgery, dermatology, LASIK, hearing, wellness center financing) and retail/home services (furniture, funeral, HVAC financing). LP3-LMS handles servicing, payment processing, compliance controls, collections, and reporting, while LP3-HO manages origination workflows, decisioning rules, and documentation. The system supports multiple loan types including payday loans, installment loans, title loans, and Credit Access Business (CAB) arrangements, with state-specific compliance features for Texas and Nevada regulations.

Differentiator

Problem solved

Functional benefit

Brands

• Loan Plus 3 (LP3): Full-featured loan management software for consumer, installment, title, and small business loans. Formerly known as LP3-LMS.
• Loan Plus HO (LP3-HO)

Products and services

• Loan Plus 3 (LP3-LMS) Full-featured loan management software for consumer, installment, title, and small business loans. Provides end-to-end loan lifecycle management including origination, servicing, payment processing, collections, and regulatory compliance reporting.
• Loan Plus HO (LP3-HO) Centralized corporate portal for multi-location management. Enables lead management, loan origination workflows, decisioning rules, and documentation generation across multiple branch offices from a single platform.
• Orthodontic Financing Software Specialized financing module enabling orthodontic practices to offer in-house installment payment plans for braces and aligner treatments.
• Furniture Financing Software Retail financing module enabling furniture retailers to offer installment payment plans for furniture purchases.
• Funeral Financing Software Specialized module for funeral homes to offer pre-need and at-need financing options for funeral services.
• HVAC Financing Software Financing module for HVAC contractors to offer customer payment plans for heating and cooling equipment installations.
• Loan Origination Software Component of the LP3 platform focused on loan application capture, credit verification, and loan document generation for streamlined loan origination workflows.
• Payday Loans Software Specialized module for payday lending operations, handling short-term unsecured loans with next-payday repayment structures.
• Installment Loan Software Module for installment lending with structured repayment schedules, supporting fixed-term loans with scheduled payments over time.
• Title Loan Software Module for title-secured lending using vehicle collateral, managing liens and repossession tracking for secured loans.
• Loan Servicing Software Component focused on post-origination loan management including payment processing, collections, interest calculations, and regulatory compliance.
• Customer Portal Borrower-facing online portal enabling customers to view balances, payment history, update contact details, set up auto-pay, and request support without calling a branch.

Quantifiable outcome

• Reduced compliance workload by 70% while ensuring Oklahoma regulatory requirements are met
• +2 more outcomes

Named customers8 records

Segments7 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration24 records

Feature10 records

Partnerships

13 partnerships are on record, tiered core and minor.

• Intuit QuickBookscoreTechnology or IntegrationNative API integration with QuickBooks for daily accounting export and financial data synchronization. Allows lenders to export accounting data directly from LP3 to QuickBooks for streamlined financial management.
• Sage BusinessWorkscoreTechnology or IntegrationAPI connection for Sage BusinessWorks integration enabling financial data export and accounting synchronization for lenders using Sage accounting software.
• Sage 100coreTechnology or IntegrationIntegration with Sage 100 ERP system for accounting data synchronization and export capabilities.
• ExperiancoreTechnology or IntegrationCredit bureau integration for borrower credit report pulls and credit evaluation during loan origination process with ECOA compliance.
• TransUnioncoreTechnology or IntegrationCredit bureau integration for credit report access and borrower creditworthiness evaluation with test reporting capabilities.
• EquifaxcoreTechnology or IntegrationCredit bureau integration for credit report pulls and verification services with test report training available.
• AmsiveminorGTM or Marketing PartnerMarketing technology integration for solicitation features including physical mail, texting, and email marketing campaign tools.
• D2KminorGTM or Marketing PartnerMarketing platform integration for additional marketing tools and campaign management capabilities.
• Catalis (NVLDS)coreTechnology or IntegrationNative integration with Catalis Nevada Lender Database System (NVLDS) for automated eligibility checks, OFAC SDN screening, and real-time transaction reporting required for Nevada DDL, HIL, and Title Loan compliance. CFS Software maintains LP3's NVLDS interface as Catalis releases updated specifications.
• Texas Office of Consumer Credit Commissioner (OCCC)coreOthersPrimary regulatory oversight body for Texas installment lenders, CABs, and regulated lenders. LP3 generates compliant reports formatted specifically for OCCC examinations.
• Nevada Financial Institutions Division (NFID)coreOthersPrimary regulatory authority overseeing installment lending in Nevada. LP3 provides NFID annual report templates and examination readiness tools.
• Consumer Finance Systems, Inc. (CFS Software)coreOthersParent company and operator of SmallLoanSoftware.com and the Loan Plus 3 platform. Founded in 1985/1986 with headquarters in Bedford, Texas.
• Unite TechminorOthersTechnology partner company referenced in company branding and website footer.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• nCino: nCino provides cloud-based bank operating systems with loan origination and account opening modules. Comparable as a loan origination software provider but targeting banks and credit unions rather than payday/title lenders.
• Fiserv (Loan Origination/Servicing): Fiserv offers broad loan origination and servicing software across consumer, mortgage, and commercial lending as part of its large fintech portfolio. Overlaps with LP3 on consumer lending software but at much larger enterprise scale.
• Jack Henry (Lending Solutions): Jack Henry provides loan origination and servicing technology for community banks and credit unions. Comparable as a loan management software provider but focused on depository institutions rather than non-bank consumer lenders.
• Temenos (formerly Fidessa/AKANA): Temenos provides enterprise lending and origination platforms used by banks and large lenders. Comparable as a loan management software provider but aimed at larger enterprise clients than LP3's SMB lending focus.

Direct peers

• LoanPro: LoanPro is a cloud-native loan management and servicing platform serving consumer, payday, installment, and SMB lenders. It competes most directly with LP3 in the consumer/small-dollar lending SaaS category with API-first integrations and a modern multi-tenant architecture.
• Lendio: Lendio operates an SMB lending marketplace and loan management software for small business lenders. Comparable as a software platform enabling small-dollar and SMB lending operations.
• DecisionLogic (Verifacts): DecisionLogic (now part of Verifacts) provides consumer loan decisioning and verification software for subprime and small-dollar lenders. It overlaps with LP3 on credit decisioning workflows and consumer lender customer base.
• Loan Vision: Loan Vision provides loan management and accounting software for lenders, including consumer and commercial portfolios. Comparable to LP3 as vertical SaaS for loan servicing with accounting integrations.
• Turnstile Technologies: Turnstile provides loan origination and servicing software for consumer and installment lenders, including compliance automation. Comparable to LP3 as a purpose-built platform for non-prime consumer lending.

Others

• Repay (Repay Holdings): Repay provides integrated payment processing solutions for lenders, including consumer lending verticals. Listed as a payment processing integration partner of Small Loan Software; comparable as an ecosystem enabler in the lending software stack.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@SmallLoanSoftwareTraining
• Facebookfacebook.com/login/?next=https%3A%2F%2Fwww.facebook.com%2Fgroups%2Fsmallloansoftware
• Xx.com/smallloan

Compliance8 records

Revenue estimate

Valuation estimate

Number of profiles

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 Small loan Software