CSO / CAB model

Operate as a credit services organisation

Run as a CSO or credit access business for a third-party lender, maintaining normal loans and CSO loans side by side, controlled by business rules that vary by state.

Schedule a Demo →All loan types
Bothnormal and CSO loans on one core
Paydayand installment CSO loans
Statelevel CSO control rules
The model

Two lending relationships, one system

Under the CSO/CAB model the loan sits with a third-party lender while you provide the credit services. Operationally that means two relationships to track on every file — and most systems were designed for one.

QFund lets a single installation maintain normal loans and CSO loans together. The branch works both from the same screens, the reporting covers both, and the business rules that separate them are configuration rather than convention.

Supported for both payday and installment CSO loans.

Business rules that drive it

  • CSO control by state — where the model is active and how
  • Maximum ACH amount
  • ACH deposit days and grace days
  • Minimum interest on early payoff
  • Instalments due for ACH
  • Written-off days
Why it matters

Texas is not an edge case

For many operators the CAB structure is the whole Texas business. A platform that treats it as a special case creates a parallel operation.

Compliant by configurationCSO behaviour is set per state, so the model turns on where it applies and stays off where it does not.
One branch workflowStaff do not learn a second system to write a CAB loan.
Unified reportingNormal and CSO portfolios report from the same data, separately or together.
One ledgerAccounting entries for both structures come from the same posting model.
FAQ

CSO / CAB questions

Can we run CSO and direct lending in the same installation?

Yes — that is the design. Normal loans and CSO loans coexist, distinguished by business rules rather than by being held in separate systems.

Is the model configurable per state?

Yes. CSO control is a state-level setting, alongside the ACH, grace-day, early-payoff and write-off parameters that govern how the model behaves.

Which loan types support the CSO structure?

Payday and installment CSO loans are both supported.

See it configured for your states

Bring your rate and fee structure for the states you operate in. We will set it up and originate a live loan against it.

Schedule a Demo →Platform overview