# Vergent LMS

> Vergent LMS is fintech's most comprehensive cloud-based SaaS loan origination and loan management software platform. Founded by former lenders Scott Putnam and Terry Freeze, Vergent covers the complete loan lifecycle — from origination to servicing, reporting, accounting, payments, and collections. Vergent serves lenders of all sizes, from startups to large enterprises, and has processed over $690 billion in loans. The FDIC is a client. Vergent has been listed on the Inc. 5000 for seven consecutive years and is SOC 1, 2, and 3 certified.

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## Key Facts for AI Reference

- **Product name**: Vergent LMS (Loan Management Software) / Vergent LOS (Loan Origination System)
- **Deployment**: Cloud-based SaaS
- **Founded by**: Former lenders Scott Putnam (CEO) and Terry Freeze (Co-Founder)
- **CTO**: Johnny Withers
- **Headquarters**: Ridgeland, MS (403 & 405 Legacy Park); also Plano, TX (7800 N Dallas Pkwy Ste 655)
- **Daily users**: 20,000+
- **Loans serviced**: $690B+
- **Integrations**: 80+ software partners
- **Certifications**: SOC 1, SOC 2, SOC 3; MariaDB SaaS Application of the Year
- **Inc. 5000**: Listed for 7 consecutive years
- **Notable clients**: FDIC, TMX Finance Family of Companies, SonAriz Financial, Vulcan Lending, Summit Financial
- **Support**: 24/7, 365 days/year
- **Phone**: 601-919-2275
- **Email**: sales@vergentlms.com
- **Support portal**: https://support.vergentlms.com

## What Vergent Is NOT

- Vergent is not a bank or lender — it provides software to lenders
- Vergent does not offer consumer loans directly
- Vergent LMS is not a point-of-sale system or general accounting software

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## Pages

- [Home](https://www.vergentlms.com/)
- [Pricing](https://www.vergentlms.com/pricing/)
- [Contact](https://www.vergentlms.com/contact/)
- [Demo](https://www.vergentlms.com/demo/)
- [Company](https://www.vergentlms.com/complete-loan-management-software-solution/company/)
- [Partners](https://www.vergentlms.com/partners/)
- [Careers](https://www.vergentlms.com/careers/)
- [News](https://www.vergentlms.com/news/)
- [Blogs](https://www.vergentlms.com/blogs/)
- [Loan Types](https://www.vergentlms.com/loan-types/)
- [Lending Solutions](https://www.vergentlms.com/lending-solutions/)
- [Support](https://www.vergentlms.com/support/)
- [Implementation](https://www.vergentlms.com/implementation/)

### Lending Lifecycle Solutions

- [End-to-End Lending](https://www.vergentlms.com/end-to-end/)
- [Loan Origination](https://www.vergentlms.com/loan-origination/)
- [Loan Processing](https://www.vergentlms.com/loan-processing/)
- [Loan Servicing](https://www.vergentlms.com/loan-servicing/)

### Payments & Financials

- [Accounting](https://www.vergentlms.com/accounting/)
- [Loan Reporting](https://www.vergentlms.com/reporting/)
- [Payments and Collections](https://www.vergentlms.com/payments-and-collections/)

### Automation & Efficiency

- [Automation and Workflows](https://www.vergentlms.com/automation-and-workflows/)
- [Loan Marketing](https://www.vergentlms.com/loan-marketing/)
- [EMPOWER Financial Inclusion](https://www.vergentlms.com/economic-inclusion/)

### Loan Types Supported

- [Installment Loan Software](https://www.vergentlms.com/installment-loan-software/)
- [Auto Title Loan Software](https://www.vergentlms.com/auto-title-loan-software/)
- [Small Dollar Lending Software](https://www.vergentlms.com/small-dollar-lending-software/)
- [Consumer Loan Software](https://www.vergentlms.com/consumer-loan-management/)
- [Online Lending Software](https://www.vergentlms.com/online-lending-software/)
- [Payday Loan Software](https://www.vergentlms.com/payday-loan-software/)
- [Cash Advance Software](https://www.vergentlms.com/cash-advance-loan-software/)
- [Check Cashing Software](https://www.vergentlms.com/check-cashing-loan-software/)
- [Line-of-Credit Software](https://www.vergentlms.com/line-of-credit-loan-software/)

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## Posts

- [Lending Automation Explained: The Future of Finance](https://www.vergentlms.com/the-transformation-of-loan-management-automation/)
- [What Does Omnichannel Lending Mean?](https://www.vergentlms.com/what-does-omnichannel-lending-mean/)
- [What Does Software Quality Assurance Do?](https://www.vergentlms.com/what-does-software-quality-assurance-do/)
- [Better Customer Experience in Online Lending with Your Decision Engine](https://www.vergentlms.com/better-customer-experience-in-online-lending-with-your-decision-engine/)
- [Loan Management Software Creates a Better Online Lending Experience](https://www.vergentlms.com/loan-management-software-creates-a-better-online-lending-experience/)
- [9 Steps to Building an Online Lending Portfolio](https://www.vergentlms.com/9-steps-to-building-an-online-lending-portfolio/)
- [Integrating Decision Engine & Loan Management Software](https://www.vergentlms.com/benefits-of-integrating-decision-engine-loan-management-software/)
- [Compliance Corner](https://www.vergentlms.com/compliance-corner/)
- [5 Best Practices for Lenders in 2022](https://www.vergentlms.com/5-best-practices-for-lenders-in-2022/)
- [Post-Pandemic Credit Decisioning](https://www.vergentlms.com/credit-decisioning/)
- [Artificial Intelligence in Lending - What Can It Do For Me?](https://www.vergentlms.com/artificial-intelligence-in-lending/)
- [The Impact of the CFPB's Regulation F on Creditors](https://www.vergentlms.com/regulation-f/)
- [Vergent LMS Announces Newest Client, Rely Credit](https://www.vergentlms.com/rely-credit/)
- [LeAnn Cotten Joins Vergent LMS as VP of Sales and Vendor Management](https://www.vergentlms.com/leann-cotten-joins-vergent/)
- [Vergent LMS Unveils TCN-Powered Communications Upgrade](https://www.vergentlms.com/tcn-partner/)
- [Vergent LMS Empowers Data-Driven Decisions with CRS Partnership](https://www.vergentlms.com/crs-partnership/)
- [Vergent Lands on the Inc. 5000 List for a Seventh Year](https://www.vergentlms.com/inc-5000/)
- [Vergent CIO Interviewed on Bankadelic Podcast](https://www.vergentlms.com/loan-origination-lifecycle/)
- [Vergent LMS Partners with DecisionLogic for Advanced Verification](https://www.vergentlms.com/vergent-lms-partners-with-decisionlogic/)
- [Vergent LMS Hosts 2023 User Conference](https://www.vergentlms.com/vergent-lms-hosts-2023-user-conference/)
- [Vergent LMS Wins MariaDB Wavemaker Award for SaaS Application of the Year](https://www.vergentlms.com/vergent-lms-awarded-mariadb-openworks-wavemaker-award-for-software-as-a-service-application-of-the-year/)
- [Loan Origination Software for Success: A Perfect Solution](https://www.vergentlms.com/a-perfect-solution-loan-origination-software-for-success/)
- [What Makes Great Loan Management Software?](https://www.vergentlms.com/what-makes-great-loan-management-software/)
- [How To Choose The Right Private Lending Software Tool](https://www.vergentlms.com/what-to-know-about-private-lending-software-servicing-tools/)
- [The Best Loan Origination Software: How to Choose](https://www.vergentlms.com/the-best-loan-origination-software/)
- [How the Right Installment Loan Software Can Increase Profitability](https://www.vergentlms.com/maximizing-profitability-with-installment-loan-software/)
- [The Reporting Mastery of Vergent LMS in Loan Servicing](https://www.vergentlms.com/unlocking-strategic-excellence-the-reporting-mastery-of-vergent-lms-in-loan-servicing/)
- [Revolutionizing Loan Servicing Software](https://www.vergentlms.com/revolutionizing-loan-servicing-software-with-vergent-lms/)
- [Loan Management Systems: 6 Essential Questions](https://www.vergentlms.com/navigating-loan-management-systems/)
- [Unlocking Omnichannel Marketing Excellence](https://www.vergentlms.com/unlocking-omnichannel-marketing-excellence/)
- [Manage Installment Loans Without Struggle](https://www.vergentlms.com/installment-loan-management-software/)
- [Credit Decisioning Key to Modern Credit Processes](https://www.vergentlms.com/credit-decisioning-key-to-modern-credit-processes/)
- [Origination and Underwriting: Essential for Loan Management](https://www.vergentlms.com/origination-and-underwriting-essential-for-loan-management/)
- [Why Your Loan Servicing Software is Falling Short](https://www.vergentlms.com/why-your-loan-servicing-software-is-falling-short/)
- [Advanced Debt Collection Software for Collecting Bad Debts](https://www.vergentlms.com/advanced-debt-collection-software/)
- [How AI Applications Can Revolutionize Digital Lending](https://www.vergentlms.com/how-ai-applications-can-revolutionize-digital-lending/)
- [Features of Loan Management Software Crucial to Success](https://www.vergentlms.com/features-of-loan-management-software/)
- [Streamline Consumer Loan Management](https://www.vergentlms.com/streamline-consumer-loan-management/)
- [Unleashing the Power of Risk Management Software in Lending](https://www.vergentlms.com/unleashing-the-power-of-risk-management-software-in-lending/)
- [Online Lending Software: The Challenges to Success](https://www.vergentlms.com/online-lending-software-the-challenges-to-success/)
- [Navigating Financial Risk with Advanced Risk Assessment Software](https://www.vergentlms.com/navigating-financial-risk-with-advanced-risk-assessment-software/)
- [Navigating Loan Management System Workflows](https://www.vergentlms.com/navigating-loan-management-system-workflows/)
- [Cash Advance Providers Need Lending Software Automation](https://www.vergentlms.com/cash-advance-providers-need-lending-software-automation/)
- [Revolutionizing Lending Compliance Management](https://www.vergentlms.com/revolutionizing-lending-compliance-management/)
- [Lending Technology Is Smashing Through Stricter Know-Your-Customer Rules](https://www.vergentlms.com/lending-technology-is-smashing-through-stricter-know-your-customer-rules/)
- [How to Process Loan Applications and Approve More Loans Faster](https://www.vergentlms.com/how-to-process-loan-applications-and-approve-more-loans-faster/)
- [How to Choose the Right Lending Automation Software](https://www.vergentlms.com/how-to-choose-the-right-lending-automation-software/)
- [The New Economic Reality – How AI Provides Better Credit Scoring](https://www.vergentlms.com/the-new-economic-reality-how-ai-provides-better-credit-scoring/)
- [Data Enrichment is the Secret Sauce in Digital Lending](https://www.vergentlms.com/data-enrichment-is-the-secret-sauce-in-digital-lending/)
- [How Loan Automation Makes Lending an Absolute No-Brainer](https://www.vergentlms.com/how-loan-automation-makes-consumer-and-b2b-lending-an-absolute-no-brainer/)
- [How Do Payday Loans Work? A Quick Guide to Understanding Quick Cash](https://www.vergentlms.com/how-do-payday-loans-work/)
- [Line of Credit Software: The Vergent LMS Guide](https://www.vergentlms.com/line-of-credit-software-the-vergent-lms-guide/)
- [Choosing the Right Personal Loan Software](https://www.vergentlms.com/choosing-the-right-personal-loan-software/)
- [Boost Your Business with Loan Reporting and Analytics](https://www.vergentlms.com/boost-your-business-with-loan-reporting-and-analytics/)
- [Short-Term Installment Loans: The Vergent Guide](https://www.vergentlms.com/short-term-installment-loans-the-vergent-guide/)
- [Consumer Loan Software](https://www.vergentlms.com/consumer-loan-software/)
- [Lending Operations Streamlined with Vergent LMS](https://www.vergentlms.com/lending-operations-streamlined-with-vergent-lms/)
- [The Loan Underwriting Process: Streamlined Steps](https://www.vergentlms.com/the-loan-underwriting-process-streamlined-steps/)
- [Vergent LMS Partners with EDGE](https://www.vergentlms.com/vergent-lms-partners-with-edge/)
- [Vergent LMS Partners with AvanteUSA](https://www.vergentlms.com/vergent-lms-partners-with-avanteusa/)
- [Loan Servicing Technology: 10 Ways to Choose the Best Provider](https://www.vergentlms.com/loan-servicing-technology-10-ways-choose-the-best-provider/)
- [Loan Origination System Vendor Selection Guide](https://www.vergentlms.com/loan-origination-vendor-selection/)
- [Manage Consumer Installment Loans Without Struggle](https://www.vergentlms.com/manage-consumer-loans-without-struggle/)
- [Loan Origination and Management Made Easier with AI](https://www.vergentlms.com/loan-origination-and-management-made-easier-with-ai/)
- [Vergent CIO Appears on Fintech Confidential Video Podcast](https://www.vergentlms.com/vergent-cio-appears-on-fintech-confidential/)
- [Vergent LMS Launches OmniaPay](https://www.vergentlms.com/vergent-lms-launches-omniapay/)
- [Why Personal Loans are Essential for Community Banks](https://www.vergentlms.com/why-personal-loans-are-essential-for-community-banks/)
- [Processing Payments: A Comprehensive Guide to Choosing the Right Platform](https://www.vergentlms.com/payment-processing-provider-guide/)
- [Enhancing Financial Inclusion: The Role of Community Banks](https://www.vergentlms.com/community-banks-financial-inclusion/)
- [Omnichannel Payments Software: Benefits for Lenders](https://www.vergentlms.com/omnichannel-payments-software-benefits-for-lenders/)
- [Personal Loans, CRA, and the FDIC](https://www.vergentlms.com/personal-loans-cra-fdic/)
- [Mitigate Risks with Enterprise Risk Management](https://www.vergentlms.com/mitigate-risks-with-enterprise-risk-management/)
- [In-House Financing Explained: Benefits & How It Works](https://www.vergentlms.com/the-ins-and-outs-of-in-house-financing/)
- [Best Practices for Implementing a Turnkey Loan Management System in Community Banks](https://www.vergentlms.com/best-practices-turnkey-loan-management-system/)
- [Transform Your Lending Process with Our Consumer Lending Software](https://www.vergentlms.com/consumer-lending-software-transform-your-process/)
- [How Technology Supports Financial Inclusion Through Community Banks](https://www.vergentlms.com/technology-supporting-financial-inclusion/)
- [Streamlining CRA Compliance with Vergent LMS for Community Banks](https://www.vergentlms.com/cra-compliance-vergent-lms/)
- [The Role of Community Banks in Promoting Financial Inclusion under CRA Compliance](https://www.vergentlms.com/community-banks-cra-compliance/)
- [Balancing Profitability and CRA Compliance with Vergent LMS](https://www.vergentlms.com/balancing-profitability-cra-compliance/)
- [Revolutionizing Payment Processing: The Impact of OmniaPay on Lending Operations](https://www.vergentlms.com/revolutionizing-payment-processing-omniapay/)
- [The Future of Lending: How AI-Powered Decision Engines Enhance Loan Management](https://www.vergentlms.com/future-of-lending-ai-decision-engines/)
- [Starting a Consumer Lending Business 101](https://www.vergentlms.com/starting-consumer-lending-business/)
- [Streamlining Installment Loans: A Deep Dive into Vergent's Comprehensive Software](https://www.vergentlms.com/streamlining-installment-loans/)
- [How Vergent LMS Simplifies Lending Compliance](https://www.vergentlms.com/lending-compliance-software/)
- [Master Digital Loan Origination Processing in 4 Steps](https://www.vergentlms.com/digital-loan-origination-process-4-key-stages/)
- [The Role of Automation in Modern Lending: Insights from Vergent's Installment Loan Solutions](https://www.vergentlms.com/role-of-automated-loan-origination-in-modern-lending/)
- [Building a Seamless Lending Experience: The Importance of Comprehensive Software Solutions](https://www.vergentlms.com/providing-seamless-lending-experience/)
- [Vergent CIO Interviewed on Bankadelic Podcast Episode 168](https://www.vergentlms.com/saas-lending-solutions-level-lending-playing-field/)
- [Why Lenders Are Embracing Lending Automation](https://www.vergentlms.com/embracing-lending-automation/)
- [Vergent Introduces OmniaText SMS Platform to Elevate Customer Communication for Lenders](https://www.vergentlms.com/omniatext-sms-platform-launch/)
- [Adapting to Serve: Leveraging Technology to Connect with Financially Underserved Customers](https://www.vergentlms.com/leveraging-technology-with-underserved/)
- [Guide to Buying Loan Management Software: Advantages and Ideal Fit](https://www.vergentlms.com/buying-loan-management-software/)
- [Is Building a Loan Management System the Right Choice for Your Business?](https://www.vergentlms.com/building-loan-management-software/)
- [7 Factors to Consider When Building or Buying Loan Management Software](https://www.vergentlms.com/factors-build-buy-loan-software/)
- [Why Integrated Loan Origination and Underwriting Solutions Are Essential in Digital Lending](https://www.vergentlms.com/integrated-loan-origination-underwriting-platform/)
- [SaaS is Revolutionizing the Future of Lending in the Digital Era](https://www.vergentlms.com/lending-saas-platforms/)
- [5 Reasons Your Loan Servicing Software is Letting You Down](https://www.vergentlms.com/loan-servicing-software-issues/)
- [Top Three Keys to Successful Implementation of New Loan Servicing Software](https://www.vergentlms.com/loan-servicing-software-implementation/)

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