Vergent takes traditional branch lenders digital — a branded borrower portal, online applications, and remote funding on the platform you already trust.
Your branches are a competitive advantage — and digital lending is the missing growth channel.
Branch locations retain the customers you’ve earned better than any app. What they don’t capture is the borrower who starts shopping on their phone at night — and that’s where new growth is going. Vergent helps you compete for those borrowers without abandoning the branch network that sets you apart. And your IT team stays in charge: Vergent absorbs the undifferentiated work — compliance updates, state rate changes, PCI and SOC requirements, patching, integrations — while IT keeps ownership of what makes your business unique.
A guided path — at your pace, value at every step
Digital transformation with Vergent is phased, not rip-and-replace. Each phase delivers standalone value, and you’re never asked to flip a switch overnight.
- Take payments online. Launch a branded customer portal so borrowers can pay by card or bank account, 24/7 — built on Vergent’s payments and collections tools.
- Accept applications online. Take loan applications digitally and originate in the same system your branches use.
- Present offers & fund remotely. Show approved offers online and fund borrowers who never set foot in a branch.
- Add automation. Automated decisioning, collections support, and borrower communications that cut manual work.
- Grow with digital leads. Bring in online leads and turn them into funded loans at scale with online lending software.
Stop the Bleed
Give borrowers online applications, e-sign, and self-service payments through a customer portal so they stay with you instead of leaving for a digital lender.
Win Back Paid-Off Borrowers
Re-engage former customers with a portal and automated outreach instead of hoping they walk back in.
Expand Without New Branches
Enter new states and reach new borrowers digitally — grow your footprint without the cost of physical locations.
One Platform, In-Store and Online
Run your branches and your digital channel on the same system — no second software stack to maintain.
What Our Clients Say
Your IT Team Stays in Charge — Vergent Absorbs the Undifferentiated Work
Your internal systems — and the team that built them — are an asset: they hold years of business logic no vendor can replicate. Vergent is already built, maintained, and compliant across states. Adding it as your digital origination channel lets IT offload the work that doesn’t differentiate anyone — compliance updates, PCI and SOC requirements, state rate changes, patching, and integration maintenance — while keeping ownership of the systems, data, and configuration that do.
Why Vergent
Trusted at enterprise scale. The FDIC is a current Vergent client, and the platform serves 20,000+ daily users.
Enterprise-grade security. SOC 1 Type II and SOC 2 Type II certified.
Built by lenders. 160+ years of combined lending experience on staff — founded by former lenders who lived these problems.
One platform, full lifecycle. Origination, servicing, payments, collections, and compliance across all 50 states — for storefront lenders, multi-location operations, and installment portfolios.
For IT Evaluators: The Technical Review, Answered Up Front
Your technical team will want specifics. Here is where the review usually starts:
- Integrations: 80+ pre-built third-party integrations plus a documented REST API. You choose the providers and keep those vendor relationships; Vergent connects to them.
- Data ownership: Your data stays yours. Every report exports, and a real-time replicated database option gives your team 100% read access for SQL, Power BI, or your own data warehouse.
- Configuration: A rules-driven engine business admins manage day to day — while IT keeps change control over integrations, SSO, and security policy.
- Support: U.S.-based support and implementation teams — no outsourced call centers — from kickoff through go-live and beyond.
- Updates & SLAs: Seamless monthly releases with advance release notes and no downtime. SLA specifics and SOC reports are available for your vendor-review process under NDA.
Frequently Asked Questions
How does a traditional branch lender move online without disrupting stores?
Vergent adds digital lending on top of your existing branch operations in phases — starting with online payments, then applications, then remote funding — so each step delivers value and nothing changes overnight.
Can we keep our branches and add online lending on the same system?
Yes. Vergent runs in-store and online lending on one platform, so you don’t maintain two systems or duplicate data.
Can we expand into new states digitally?
Yes. Vergent supports multi-state lending with configurable, state-by-state compliance, so you can enter new states without opening branches.
We currently run in-house or legacy software. Why switch?
Keeping a lending platform current is full-time work that doesn’t differentiate your business — compliance updates, state rate changes, PCI and SOC requirements, patching, integrations. Vergent absorbs that undifferentiated work, while your IT team keeps ownership of the systems, data, and integrations that make your business unique.
Is Vergent secure enough for a regulated lender?
Vergent is SOC 1 Type II and SOC 2 Type II certified, serves 20,000+ daily users, and counts a federal banking regulator among its clients.
How long does it take to go live?
It depends on scope and your team’s availability; Vergent uses a phased rollout so you see value early. Your implementation team will scope a realistic timeline during discovery.
See What Digital Transformation Looks Like for Your Business.
Book a demo and we’ll map a phased path from your first online payment to a fully digital lending operation.
