Lenders today are looking for ways to improve their loan performance, while minimizing their risk and cost. To do that, you need an underwriting partner, not just a credit and data bureau. FactorTrust is that partner. We are lender focused. We are proactive, not reactive. Customer satisfaction in our #1 goal. We understand that for us to be successful, you need to be successful.

FactorTrust provides the most innovative credit risk and Identity (ID) data verification solution in the payday lending market today. Our proprietary LendProtect service leverages the best data and information network available to assist lenders in making the right decision. We combine data, over 120 configurable business rules, customizable scorecards, and a consultative approach together in one easy to use solution to help improve your loan performance. If you succeed, we succeed. That’s the type of partner you want.

Improved Loan Metrics

• Improved Application Acceptance

• Lower Default Rates

• Lower Cost per Funded Loan

We help you do more loans without negatively impacting your default rates. The end result is improved profitability, and a lower cost per funded loan.

Integration of Best in Class Data Sources

We don’t just resell another vendors’ data or product. We spend a lot of time analyzing and integrating the best in class data sources with LendProtect. We continuously research new alternative consumer data sources to ensure we have the most predictive data available.

120+ Configurable Business Rules

We provide flexible and intuitive business rules to assist lenders of all sizes in the underwriting process. Based on our experience and development of best practices, we can help you gain more intelligence in reviewing applications whether you work with lead providers or drive organic traffic.

Proprietary and Proven Risk Scoring and Analytics

Our predictive risk scoring model and ongoing analytics allow you to grow your business profitably.

Customized Scorecard Capabilities Built into the System

No matter where you are in your evolution as a lender, we have the capabilities to assist you. We have best practices for new lenders, and internal resources to analyze, develop, deploy, maintain, and re-validate custom scorecards for more advanced lenders.

Own and Control our Technology – Provides Speed and Flexibility

We built our product from the ground up and have our own analytics group. That means we are flexible, nimble, and have full control over the quality of our product and our service.

Intuitive Web-based User Interface

Wouldn’t it be great to have the ability to log in to your own web-based Lender Dashboard to view, research, and analyze how you’re underwriting is performing? Well, with FactorTrust you can. You can view and manage your business rules, adjust your score thresholds, and view easy to understand reports right at your fingertips.