PayPlan Automated Lending Platform (Business Warrior)

Summary

Marketing text for the PayPlan Automated Lending Platform (Business Warrior), described as a comprehensive, end-to-end lending platform with four fully configurable modules. The text names a loan origination system, decision engine, loan management system and servicing. It claims the platform can automate up to 90% of back-office tasks, offers over 100 pre-built integrations to third-party services, and lets lenders be live processing loans in as little as 45 days. It lists loan or financing types including Term Loans, Cash Advance, Line of Credit, Student Loans and Payday Lending.

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Powerful End-to-End Lending Software

Drive profitability and efficiency in your lending business with PayPlan's end-to-end automated lending software. Our innovative platform improves decision-making accuracy, reduces manual labor, and cuts costs, enabling you to build a highly profitable, scalable, and data-driven lending business.

Approve Faster, Fund Instantly, Collect More.

Book A Demo

What is PayPlan?

PayPlan is a comprehensive, end-to-end lending platform that powers, automates, and enhances complex lending processes to make acquiring, underwriting, funding, managing, and servicing loans easier, smarter, and more profitable than ever before. Designed by lending industry experts, PayPlan features four fully configurable modules designed to streamline loan acquisition with automated, data-driven processes, improve accuracy and efficiency in underwriting, simplify and accelerate funding, and optimize loan management and servicing with comprehensive tools and analytics.

What is PayPlan?

PayPlan is a comprehensive, end-to-end lending platform that powers, automates, and enhances lending processes to make running a lending business easier and more profitable than ever before.

PayPlan's fully configurable loan origination, decision engine, loan management, and servicing modules are built to streamline and improve every aspect of a lending business giving you all the tools you need to originate more loans and hit record-breaking profits.

End-to-End Lending Platform

Loan Origination System

LOS

Decision Engine

Decisioning

Loan Management System

LMS

Servicing

Servicing

Optimize Your Lending Profitability

PayPlan’s Loan Origination System is designed with high-converting borrower applications that can be customized with your brand's look and feel. PayPlan’s system enables lenders to significantly increase loan acquisition rates while reducing the costs associated with acquiring loans compared to competitors.

Customizable Branding

Enhance your brand's presence with a fully customizable application interface.

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High-End User Experience

Keep applicants engaged with a streamlined, intuitive application process designed for high conversions.

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Operational Cost Reduction

Significantly cut operational expenses by automating routine management tasks, letting you focus on higher-value activities and strategic growth initiatives to drive profit and increase revenue.

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Labor Reduction

Automate up to 90% of back-office tasks, significantly cutting down on manual work and associated costs.

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Instant Underwriting & Smarter Decisions

Instant Underwriting & Decisioning

PayPlan includes a powerful decision engine that automates the entire underwriting processes. It generates instant lending decisions, integrates seamlessly with open banking and credit services, and includes advanced fraud detection capabilities. This allows lenders to make smarter credit decisions, faster, and at scale.

Intelligent Risk Management

Minimize defaults and optimize approval rates by leveraging a decision engine built on comprehensive data integration to provide a deeper understanding of each borrower's creditworthiness.

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Enhanced Credit Scoring

Incorporate alternative data into credit scoring models, such as utility payments or rent history, to provide more accurate assessments and potentially lower default rates.

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API Connectivity

Extend functionality with over 100 pre-built integrations to third-party services like identity verification, financial data aggregation, and more, streamlining operations and enhancing data-driven decision-making.

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Automated Underwriting

Make lending simpler and faster with automated decisioning that delivers instant credit decisions.

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Reduce Manual Labor by 90%

PayPlan simplifies the day-to-day operations of managing loans while helping lenders build a more profitable and sustainable loan portfolio. PayPlan enhances the efficiency of collections and payment processing, making these operations easier to manage, less prone to error, and delivering efficient results.

Portfolio Insights

Gain deep insights into your loan portfolio's performance with advanced analytics and reporting tools that help identify profitable segments and potential risk factors.

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Automated Compliance Tracking

Keep track of all compliance-related requirements with automated alerts and reports, ensuring that your operations always align with regulatory changes.

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Customer Self-Service Portals

Enable borrowers to manage their loans, make payments, and check the status of their accounts through user-friendly self-service portals, reducing operational burdens and improving customer satisfaction.

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Operational Cost Reduction

Significantly cut operational expenses by automating routine management and servicing tasks, enabling your team to focus on higher-value activities and strategic growth initiatives.

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Keep Customers Paying On Time

Streamline management of loan portfolios, provide comprehensive tools for tracking payments, managing delinquencies, and generating reports. Servicing within PayPlan enhances efficiency, ensures compliance, and improves customer experience, empowering lenders to focus on growth and customers.

Automated Payment Management

Automate payment collections, reducing manual work and errors. Supports multiple payment methods making it easier than ever for customers to pay, all of which keeps customers paying on time.

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Customer Communication Tools

Customizable messaging, proactive reminders, and real time updates keep both customers and businesses informed and up to date. Send automated payment reminders to avoid missed payments.

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Detailed Reporting and Analytics

Comprehensive reports on trends, customer behavior, and financial performance takes the guesswork out of servicing your loans. Identify key areas of improvement in your processes and allowing informed financial decisions.

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Integration with Existing Systems

Servicing module exists as a seamless fit in the PayPlan pipeline and integrates with other existing systems. API support and third-party compatible means no matter your workflow you can get results.

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Book A Demo

Why PayPlan?

Whether you are upgrading your old system or need a new, agile lending solution, PayPlan is your answer. PayPlan underwrites, and approves loans faster, making for more profitable lending performance. It works completely out of the box, configured to your needs, or enhances your existing lending pipeline, filling in crucial gaps to deliver the best experience for lenders and borrowers.

Fastest Time To Market

Fastest Time To Market

Live in 45: With help from a world-class operations team, lenders can be live processing loans through the PayPlan system in as little as 45 days.

No-Code Customization: Test new offers and loan products, adjust interest rates, and change application steps without having to go through a lengthy development process and write new code.

Loan Underwriting & Approvals

Loan Underwriting & Approvals

Powerful Automations: Utilize powerful, time-saving automations that minimize manual tasks at every step of the loan process, from origination to management to servicing.

Instant Decisioning: Leverage advanced algorithms that analyze hundreds of data points instantly to deliver immediate, intelligent underwriting decisions.

Fund More Profitable Loans

Fund More Profitable Loans

Frictionless Applications Process: Deploy intuitive, mobile-friendly applications built by world-class designers to provide amazing borrower experiences and improve conversion rates.

Rapid Approvals & Funding: Advanced automations allow you to deliver approvals instantaneously and fund loans in seconds, keeping borrowers engaged and coming back for more.

Improve Portfolio Performance

Improve Portfolio Performance

Real-Time Analytics: Gain powerful insights into your loan portfolio’s performance with real-time analytics that provide visibility into every stage of the loan lifecycle.

Marketing Integrations: Identify your most valuable borrowers through real-time analytics and integrate with marketing platforms to generate more loans, profitably.

Scale & Growth

Scale & Growth

Flexible & Customizable: PayPlan is built to be customized and configured to fit your lending business as it changes and grows. Additionally, the platform allows you to eliminate the need for costly software development.

Seamless Scaling: PayPlan scales as your business scales. No need to worry about increased operational complexities or planning. PayPlan handles it all.

Offer In-House Financing

Offer In-House Financing

Increase Revenue & Sales: Keeping your customers in-house means you don’t give up revenue and sales to outside lending institutions. Approve more borrowers than an outside financier would and make more sales.

Plug & Play: PayPlan works right out of the box, so you can focus on what you care about and trust your lending platform to work.

Thousands of Integrations with the Best Platforms in the World

PayPlan is built to work with hundreds of integrations, but like all things there are those that work best. PayPlan works out of the box with these integrations to take advantage of their robust credit and data providers, payment processing, open banking, communications, and customer data platforms.

Key Lending Platform Features

Everything you need to generate more loans, convert more customers, and drive profitability

Automated & Configurable Underwriting

A systematic and dynamic approach to the loan approval process, utilizing automated systems to evaluate applications against a hierarchy of predefined underwriting criteria.

Real-Time Payments

Offer the best customer experience by dispersing funds and collecting payments in real-time.

Configurable & Automated Decision Engine

Edit and configure your decision rules in real-time without code to unlock and improve loan portfolio performance.

Customizable Loan Applications

Build the perfect borrower application for your businesses, allowing you to convert more applications into high-performing loans.

Automated Loan Servicing

Automated systems to manage and streamline the entire lifecycle of a loan. Includes tasks such as payment processing, account management, customer communication, and reporting.

Powerful Document Management

Reduce manual labor by 95% with a powerful document center driven by high-end templates that automatically populate information and data.

Automated Underwriting

A systematic and dynamic approach to the loan approval process, utilizing automated systems to evaluate applications against a hierarchy of predefined underwriting criteria.

Real-Time Payments

Offer the best customer experience and improve cashflow by dispersing funds and collecting payments in real-time.

Configurable Decision Engine

Edit and configure your decision rules in real-time without code to unlock and improve loan portfolio performance.

Customizable Loan Applications

Build the perfect borrower application for your businesses, allowing you to convert more applications into high-performing loans.

Automated Loan Servicing

Automated systems to manage and streamline the entire lifecycle of a loan. Includes tasks such as payment processing, account management, customer communication, and reporting.

Powerful Document Management

Reduce manual labor by 95% with a powerful document center driven by high-end templates that automatically populate information and data.

Book A Demo

FAQ's

Who is Business Warrior?

What is PayPlan?

How Does Migrating Over to PayPlan Work?

How Much Does PayPlan Cost?

Does PayPlan Integrate With Other Systems?

What Loan or Financing Types Does PayPlan Support?

How Long Does It Take To Launch?

Do You Support Manual and/or Automated Underwriting?

Do You Support Auto Decisioning?

Who Owns the Data?

How Do I Make Changes to My Processes with PayPlan?

Does Your System Automate Email, Text, [and CRM-lite]?

Does PayPlan Support Collection of Loan Payments/Loan Servicing?

Does PayPlan Support Auto Account Debit for Repayment?

Find the Perfect Lending Product for Your Needs

PayPlan includes everything you need to launch and manage best-in-class loan products with out-of-the-box functionality to solve all your needs – loan acquisition, underwriting, loan management, servicing, and more! For you, that means less overhead and faster time to market, getting you to profitability in record time.

Term Loans

B2C Lending

B2B Lending

Cash Advance

Tribal Lending

Line of Credit

Student Loans

Payday Lending

Letter of Credit

Line of Credit

Book A Demo

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