Three delivery models, priced to how you operate
Subscription ASP, licensed deployment, or pay-as-you-go with zero fixed cost. The model matters more than a list price — and figures depend on your volume, loan products and states, so they come from a conversation.
Pick the commercial shape, then the number
Subscription / ASP
QFund runs the platform on a dedicated instance for you. You pay a subscription that already contains the infrastructure and the operations, so there is no separate hosting bill and no internal DBA to hire.
- Dedicated instance
- Software ASP licence
- Hosting and hardware
- System software (JBoss, Oracle, Linux)
- 24×7 support and monitoring
- Data backups and archival
- Technical and functionality upgrades
- Training and help manuals
- 99.99% availability SLA
Licence
A licensed deployment where QFund runs inside your own environment, for institutions whose policy or existing data-centre commitments require it.
- Perpetual or term licence
- Deployed on your infrastructure
- You operate the environment
- Support and maintenance agreement
- Upgrades on your schedule
- Integration and services as needed
Pay as you go
Per-transaction pricing with no licence commitment, delivered on the QFund Multi-Tenant model — and the model behind check cashing. Cost follows volume, so seasonality and new-store ramp-up cost you nothing in advance.
- Runs on the shared multi-tenant instance
- Your tenant is logically separated
- No fixed licence or seat fee
- Priced per transaction
- Scales down as well as up
- Any check — any mode
- Multi-disbursal options
- Configurable fee structures
Dedicated or multi-tenant, and what drives the number
The QFund Multi-Tenant model
The subscription question underneath the price is whether you need a dedicated instance or can run on the multi-tenant one.
On the multi-tenant model your operation runs as a logically separated tenant inside a shared QFund instance — your own borrowers, users, loan products, fee structures and state configuration, isolated from every other tenant, on infrastructure we operate once for everybody rather than provisioning per client.
That is what makes pay-as-you-go pricing possible. With no dedicated instance to stand up and carry, there is no fixed capacity to pay for — so you are charged for the transactions you actually process. It is the usual answer for lenders who want the same lending core without committing to reserved capacity before the volume exists.
What moves the price
- Transaction and loan volume
- Number of loan products and states
- Number of installations, stores or seats
- Integrations beyond the 90+ pre-built set
- Data migration scope and the condition of your current data
- Customisation and change-request work
Why there is no rate card here
A single published price for a platform that runs six loan types across fifty jurisdictions at volumes from one store to a thousand would be either meaningless or misleading.
What we will do is give you a firm number quickly once we know volume, loan products, states and integrations — and be explicit about what is included in the subscription versus billable as on-demand services.
If you want the included-versus-billable split in detail, it is written out on the implementation page.
Commercial questions
Why not publish prices?
Because the honest answer depends on volume, loan product mix, state count and integration scope, and a headline number that ignores those would misprice most lenders in both directions. We give a firm quote quickly instead — and we will tell you plainly what sits in the subscription and what is billable.
What is included versus billable?
Under the ASP model the licence, hosting, hardware, system software, 24×7 support and monitoring, backups, archival, help manuals, technical and functionality upgrades and training are included. Customisation, integration beyond the pre-built set, change requests, extended training, data migration and roll-out services are billable on demand.
Is there a minimum commitment?
It varies by model. The pay-as-you-go check-cashing model is explicitly zero fixed cost. Subscription and licence arrangements carry terms that depend on scope — discuss it with sales rather than inferring it from this page.
Can we start small and grow?
Yes — that is what the QFund Multi-Tenant model is for. You start as a logically separated tenant on the shared instance with pay-as-you-go pricing, and move to a dedicated instance later without changing how the application works.
Get a real number
Tell us volume, loan products, states and integrations, and we will price it properly — including an explicit split of what is included and what is billable.