Every loan type on one core
Payday, installment, line of credit, title and CSO — plus check cashing — not one loan type natively and the rest through a second system you reconcile nightly.
Loan types →Why QFund
What replacing a legacy lending system should feel like
Not a migration you survive, but a platform that stops being the constraint on which loan products you offer, which states you enter and how fast your agents work.
25years in short-term finance IT
100M+loans processed
SOC 2Type 2 certified
The short version
Why lenders move
Many loan products per loan type, not one
Run several installment, payday, line-of-credit or title loan products at once, each with its own characteristics and fee configuration — and switch each one on by brand, channel, state or individual store.
Loan types →Documents are templates you own
Agreements, receipts, authorisation letters, notices and customer communications are built by mapping QFund’s existing placeholder values into your own templates — not raised as a change request.
Configuration layer →States are configuration
Caps, cooling-off periods, database reporting and disclosures are set up per state. Expansion moves at your licensing pace, not a vendor release cycle.
Compliance by configuration →One interface your staff already know
Every module shares the same modern screen layout, so a CSR or collections agent who can run one transaction can run any of them. New hires work live on day one instead of sitting through a course — which matters in a sector with the turnover this one has.
The interface →Voice-assisted agents
Agents say the outcome and the system navigates, fills and posts. No competitor in this segment ships a voice-assisted agent experience.
AI Assistant →90+ integrations already built
Bureaus, verification, payments, comms, collections, accounting, HR and store hardware — live, not scoped as a services project.
Ecosystem →Every function available as an API
Run your own online portal, or the agent interface your staff already use, on QFund’s core over REST/JSON — rather than living with whichever screens and endpoints a vendor chose to expose.
API layer →Scale that is already proven
25M+ borrowers, 100M+ loans, $30B+ disbursed and 500M+ transactions across roughly 20,000 installations.
Assurance you can hand an examiner
SOC 2 Type 2 certification and a contractual 99.99% availability SLA on the hosted platform.
Security →A dedicated team, on your priorities
400+ financial-lending domain experts with deep technology skills, and a team dedicated to your account — so customisations are built and deployed in your order of priority, not queued behind a shared roadmap.
Dedicated teams →Comparison
QFund against a typical legacy LMS
This compares QFund with the general shape of the older systems lenders tell us they are replacing — not with any single named competitor.
| Capability | QFund | Typical legacy LMS |
|---|---|---|
| Loan types covered | Payday, installment, LOC, title and CSO on one core, plus check cashing | One or two loan types natively; others need a second system |
| Interest methods | Simple-interest and fixed-interest both native | Usually one, with the other approximated |
| New loan product launch | Configuration — weeks | Vendor development cycle — quarters |
| Loan products per loan type | As many as you configure, each with its own characteristics and fee structure | Usually one loan product per loan type |
| Loan product availability | Per brand, channel, state and individual store | Global, or one variant per state |
| Documents & communications | Client-owned templates populated by placeholder mapping | Vendor-maintained document formats |
| Customisation delivery | Dedicated team per lender, working your priority order | Shared queue behind the vendor roadmap |
| New state | Rule-set configuration | Development request |
| Channels | Store, online and mobile against one balance | Separate online system, reconciled nightly |
| Omni-channel database | Converged — one borrower, one balance | Two databases and a reconciliation job |
| Agent & CSR interface | One modern screen layout across every module; a new hire works live transactions on day one | Different screens per module; classroom training and supervised handling first |
| Voice / AI agent assistance | Yes — spoken commands post transactions | — No — menu navigation |
| Check cashing | Included, pay-as-you-go, zero fixed cost | Separate licence, or unsupported |
| CSO / CAB model | Yes — normal and CSO loans in one installation | Often a parallel operation |
| Pre-built integrations | 90+, plug and play | Custom engagement per integration |
| API coverage | The whole lifecycle over REST/JSON — build your own front end and keep QFund as the lending core | Selected endpoints, often read-only, with file exchange for everything else |
| GL posting | Automated from servicing events | Export and journal upload |
| Stated availability SLA | 99.99% | Rarely published |
| Independent assurance | SOC 2 Type 2 | Varies |
| Managed hosting included | Hosting, hardware, system software, monitoring, backups and upgrades under ASP | Typically priced separately |
Honest boundaries
Where QFund is not the answer
Worth knowing before a procurement process, not after.
Not the right fit if…
- You need mortgage, commercial or equipment-lease origination — QFund is built for short-term and alternative consumer finance
- You want a self-serve platform you configure alone with no implementation engagement
- You are buying purely on published per-seat list price rather than delivery model
Strongest fit if…
- You run more than one short-term loan type, or want to
- You operate in more than one state, or plan to
- You have both storefront and online channels to reconcile
- You are carrying a legacy system that blocks new loan products
- You need to launch, vary or re-price loan products faster than a vendor release cycle allows
- You run more than one brand, or want store-level control over what is offered where
- You have a development team and want to own the borrower or agent experience yourself, with the lending core behind an API
- You need SOC 2 Type 2 assurance to satisfy a partner bank or examiner
Track record
Volume, not roadmap
- Borrowers
- 25M+ cumulative
- Loans
- 100M+ cumulative
- Disbursements
- $30B+ cumulative
- Payments
- $50B+ cumulative
- Transactions
- 500M+ cumulative
- Installations
- Around 20,000 point-of-sale and online
- Annual transacted volume
- Approximately $5B+ in the U.S.
- Integrations
- 90+ pre-built partner integrations
- Certification
- SOC 2 Type 2 (AICPA)
- Parent company
- Virinchi Limited, publicly listed on NSE and BSE
- Industry membership
- OLA — Online Lenders Alliance
Put it side by side with what you run today
Bring your current system’s limitations — the loan product you cannot launch, the state you cannot enter, the reconciliation you cannot automate. That is the demo worth having.