Best Loan Management Software, Loan Origination Software, Loan Servicing Software, Consumer Lending Software

Rev up your lending potential with the Lending Engine® suite of browser-based loan software products, loan APIs, automated underwriting and a wide array of secure, 3rd-party integrations.

Stay ahead of the curve by partnering with the premier fintech in the lending industry.

The Lending Engine–Powering Profitable Lending.

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20

+

Years delivering premier loan software to the nation's leading lenders.

200

+

3rd-party integrations incorporated into our lending suite.

5.4

Million

Applications taken in the last year with our loan origination software.

6

Million

Loans managed with our loan servicing software.

2

$Billion

In securitization assets on the system.

1

Loan System

To rule them all.

I’ve been in finance for over 30 years and have been waiting for an online origination system that doesn’t take a programmer to make changes. GOLDTrak Online is easy to use and understand. The flexibility this system offers makes all the difference in a fast-paced world. It allows customization of screens, drop-down options and even allows you to have multiple application templates. Can’t wait to see what the future holds for this system.

Peggy Bachota - SVP, IT Business

Lendmark Financial

"Working with GOLDPoint Systems over the last 17 years has been a mutually beneficial partnership. The suite of software applications used has provided Sheffield the ability to grow its business and remain competitive in the consumer financing marketplace. Additionally, their progression to the new 'Lending Engine', demonstrates the commitment towards enhancing their technology stack as a long term strategy."

Jesse Coleman - SVP, Systems & Admin

Sheffield Financial

"We’ve been proud partners with Goldpoint since 2014, and it’s been an incredible journey working together in the consumer finance industry. As a preferred vendor, we’re honored to play a key role in helping deliver the kind of solutions and experiences our mutual clients deserve.

Our strong relationship is built on trust and collaboration, and our sales engineering team works very closely with the Goldpoint developers to deliver exceptional integrated solutions. By combining our expertise, we’ve been able to streamline payment processes and create an all-around positive experience for our clients and their customers.

We’re excited to continue building on our partnership with Goldpoint and can’t wait to see what we’ll achieve together next!"

Pam Hendee - VP Sales

REPAY

"Our company converted to GOLDPoint Systems in 2015. We were looking for an all-inclusive lending software package that could not only meet our company’s current and future needs, but one that was provided by a financially strong and stable company. Being a smaller firm in the industry without a large IT Department to resolve issues between different software providers, we needed a one stop shop for origination, servicing, general ledger, and interfacing with industry related companies.

GOLDPoint’s software provides for all our essential needs: direct and indirect loan origination, loan servicing, imaging, online applications, payments, APIs with various industry providers, and electronic transmissions to our service providers. GPS is committed to industry and are aleading supporter of our industry’s national trade association – the American Financial Services Association (AFSA). We have truly appreciated and valued our working partnership and relationship with GPS over the past nine years."

Pat St. Charles III - CEO

Citizens Savings & Loan

"GOLDPoint Systems is a true ally of Solutions by Text, helping us deliver effective solutions to our customers. Their robust API integration into our FinText™ platform significantly enhances our customers’ ability to seamlessly communicate and service their loans within their loan management system, streamlining processes and improving efficiency.

I appreciate their team’s commitment to innovation, consistently finding new ways to meet our needs and adapting to the ever-changing financial landscape. Their collaborative approach ensures that we can achieve our business goals, enhance customer satisfaction, and maintain a competitive edge in the market."

Mahala Johnson - VP Product Management

Solutions By Text

We Facilitate Your Growth

On average, lenders grow 2.5x after onboarding our consumer lending system. Our loan software is scalable to match your growth needs

Opportunities Across the US

Loans originated and serviced in all 50 states

Integrate with Virtually All Fintech with our Vast API Library

Audits & Compliance: Annual SOC 1, Type II and SOC 2, Type II audits

Highly Secure with Annual PCI audits

Loan Origination Software

You'll save time and stress with loan origination software that's reliable, flexible and caters to your institution, regardless of size.

You'll have the ability to customize the look and flow of your origination process. Our immense API library with hundreds of integrations allow us to accommodate all lending scenarios. You should enjoy your lending experience.

Automated Workflows and Credit Decisioning
Loan Calculator
Collateral Valuation
Consumer Application Portal
Document Upload Portal
E-Signature
Electronic Funding, e.g., ACH, card, etc.

Explore Loan Origination Products

workflow

You Don't Have to Choose Between Innovation and Scalability

On average, lenders grow 2.5x after onboarding our consumer lending system. With our vast loan API library and powerful loan automation systems, you’ll be able to dramatically increase your ROI.

Request a Demo

Loan Servicing Software

Stay flexible and adapt to all lending scenarios. Our loan-servicing software gives you the ability to service any type of loan in any state.

With our robust notifications system, credit reporting, statements, mobile app and more, you’ll have a complete loan-servicing experience. The best part is, our GOLDPoint API allows you to integrate with hundreds of different companies and products, so you can customize it to meet your needs.

Loan Products
Payment Options
Collections & Solicitations
Customer Payment Portal
Electronic Notifications
Amortization/Refunding, e.g., Rule of 78s, actuarial, etc.
Credit Reporting & Bankruptcy
Electronic Loan Portal
Securitization
Reporting
Electronic Document Repository

See Browser-Based Loan Servicing

loan closing

Our API-Based Lending Solution Ensures Seamless Integration Across Applications

The Lending Engine® powers our comprehensive suite of lending solutions at GOLDPoint Systems. Besides seamless integrations with our internal applications, its API-based design enables you to accept loan applications from across the United States, automate the origination approval process, and integrate with any additional tools you require.

3rd-Party Loan Software Integrations

We grow faster when we work together. That is why GOLDPoint's integrations make it easy to:

Take direct and indirect applications from 3^rd party aggregators
Sign loan documents electronically
Receive payments and fund loans across multiple electronic channels
Have two-way compliant communication via text and email
Pull and report credit to repositories
Valuate collateral
Report supplemental loan information

Learn More About APIs

Securitization with GOLDPoint Systems

A solution for optimizing capital and lowering credit risk

Our fully-integrated securitization tools offer quick options for accessing capital, bypassing traditional financing methods such as lines of credit from banks. As securing funds from banks become more challenging, finance companies are exploring alternative options to expand their operations without compromising their business activities.

Funds have become more difficult to secure
Banks are reducing access to funds
Institutions are seeking to optimize capital & lower risk
Finance companies are looking for options to expand without sacrificing operations

Explore Your Options in Securitization

Securitization-1

Simplified Accounting. Financial Health.

A robust general ledger system is vital for precise financial tracking and reporting, which is essential for your organization's financial health and growth. Many systems only focus on loan origination and loan servicing software, but they often lack a complete general ledger solution that integrates well with these products.

Our application is pre-integrated, ensuring seamless functionality from the beginning. Our General Ledger offers detailed tracking of posting activities and the ability to create custom financial reports tailored to your specific needs.

See More About Our Pre-Integrated General Ledger

General Ledger

General Ledger G/L Platinum from GOLDPoint Systems

A good general ledger (G/L) system is the core of your institution’s accounting process. Your...

Info Capture loan collateral proof upload portal

One of GOLDPoint System’s (GPS’s) newest products, Info Capture, is quickly becoming loan...

Ask Robert AI Chatbot for GOLDPoint Systems

If your institution is in the market for loan software, you will find no shortage of fintech...

Partner with the Premier Fintech to Accelerate Your Lending Potential

On average, lenders grow 2.5x after onboarding our consumer lending system. With our vast loan API library and powerful loan automation systems, you’ll be able to dramatically increase your ROI.

Request a Demo

How GOLDPoint Systems is Redefining Loan Software Solutions

In today’s fast-paced financial landscape, lenders need more than just software—they need a comprehensive, scalable and secure ecosystem that empowers them to grow, adapt and lead. That’s exactly what GOLDPoint Systems delivers with The Lending Engine®—a robust suite of browser-based loan software solutions designed to meet the full spectrum of lending needs.

A Complete Lending Ecosystem

GOLDPoint Systems offers a powerful combination of tools that streamline every stage of the lending process, from application to servicing and beyond. With advanced APIs, automated decision-making engines and seamless third-party integrations, lenders can operate more efficiently, reduce manual errors and deliver a superior customer experience.

Whether you're managing direct or indirect loans, our Loan Origination System (GOLDTrak Online) ensures a smooth and customizable application process. Our Automated Workflow Engine (AWE) accelerates decision-making, while tools like Consumer Application Manager (CAM) and InfoCapture make it easy for customers to apply and upload documents from anywhere.

Proven Performance and Scalability

With over 20 years of experience, GOLDPoint Systems has built a reputation for reliability and innovation. In the past year alone, our platform has supported:

5.4 million loan applications
34.6 million loans serviced
$18.2 billion in securitized assets

And, with 350+ third-party integrations, our system is designed to grow with your business, no matter how complex your lending model becomes.

Seamless Integration with API-Based Architecture

At the heart of our platform is an API-first approach that ensures seamless integration across all your applications. Whether you're accepting loan applications nationwide, automating loan approvals, or connecting with external lending tools, our APIs make it easy to build a cohesive, future-ready lending infrastructure.

Tools that Work Together

Each component of The Lending Engine® is designed to work in harmony:

Loan Servicing System (LES) for customizable loan management
GOLDAccount Center for customer loan payments and e-statements
Electronic Loan Portal for investor and 3rd-party access
Electronic Payments and Notifications for streamlined communication and collections
GL Platinum for precise financial reporting

Built for Collaboration

We believe in growing together. That’s why our platform supports integrations with 3rd-party aggregators, credit bureaus, collateral valuation tools, and more. From electronic signatures to compliant two-way communication, GOLDPoint Systems makes it easy to connect with the tools and partners you trust.

Why Lenders Choose GOLDPoint Systems

Lenders grow 2.5x faster on average after adopting our platform
Loans originated and serviced in all 50 states
Annual SOC 1, Type II, SOC 2, Type II, and PCI audits ensure top-tier security
A vast API library and scalable architecture to support your growth

See the Difference for Yourself

GOLDPoint Systems is more than a software provider—we’re your strategic partner in lending innovation. Whether you're a startup lender or a national institution, our solutions are built to help you thrive in a competitive market.

Ready to Elevate Your Lending Operations?

Request a personalized demo today and discover how GOLDPoint Systems can help you streamline processes, improve customer satisfaction, and drive long-term growth.