Online Lending – LMS

COST EFFECTIVE

Tier3 LMS brings you superior solutions while reducing the overall cost of doing business. With a fully-integrated lead management system and enhanced automation, Tier3 offers native functionality to maximize investment dollars while converting more, better-performing loans.

FULLY CUSTOMIZABLE

Whether installment, payday, state, tribal, or a combination, Tier3 can accommodate any online or storefront business. With a fully-configurable rules engine, robust lead management module, customer call center scripts and multiple workflows, Tier3 is unmatched in flexibility.

CONSUMER FOCUSED

Tier3 allows the customer to experience a unique, low-friction boarding process including ID and bank verification, E-Signature, two-way text and email communication, without ever having to speak to a CSR.  Post-funding functionality includes a fully integrated, robust customer portal and automated collection process.

Flexible Loan Types

Tier3 online lending software supports an unlimited number of loan types. With our Loan Design Engine, virtually any variety of single pay, installment loan, title loan, line of credit, or internet lending can be configured. Customer data is shared throughout the enterprise – across multiple product types, states, internet, and brick and mortar.

Compliance

Compliance is a core component throughout the Tier3 system. With longevity and durability in mind, the system was designed to be configurable to allow for operation in any jurisdiction and accommodate multiple layers of regulation – federal, state, local and any other that may be applicable. A built-in compliance portal and reporting tools will allow for streamlined audits, as well.

Payment Processing

In today’s difficult regulatory environment, it’s more important than ever to have multiple payment processing types.  Tier3 handles ACH, Debit, Credit, RCC, RCPO and other types out of the box. Additionally, new payment processors can be easily added with Tier3’s Payment Framework™ for virtually any API.

Reporting

Tier3 includes wide variety of built-in reports to support all loan types, as well as a report creation tool that allows the design of user-defined, fully-customized forms for any location, region, or user-defined group of stores.

Underwriting

With the integrated Tier3 ScoreMaster™ decisioning matrix, an infinite number of criteria can be measured to determine an applicant’s creditworthiness. Credit score, lead provider performance, ability to repay, and other data points are utilized in creating a custom scorecard that will become the secret sauce.

Collections

Recovering delinquent capital is as much a part of the lending business as is originating the loan. The Tier3 collection tools manage the complete life cycle or the debt from delinquency to disposition. Leverage the collection module to maximize profitability while ensuring compliance to applicable laws.

Let’s talk about how Tier3 can help you achieve your success.

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  • PRICE REJECT MODEL
  • LEAD PRIORITIZATION
  • LEAD BALANCE & DISTRIBUTION
  • CUSTOMIZABLE EMAIL AND TEXT
  • CSR TEAMS
  • CSR INTERACTIVE SCRIPTS
  • LOAN UNDERWRITING WIZARD
  • SELF-CREATED AND MAINTAINED CONSUMER LOAN AGREEMENTS
  • MULTIPLE APPROVAL FLOWS
  • TRIBAL APPROVAL MODULE
  • BUILT-IN CONSUMER PORTAL