GOLDPoint Systems

GOLDPoint Systems is a Provo, Utah lending software company. Its Lending Engine suite covers loan origination, servicing, collections, reporting and accounting for consumer and specialty finance lenders, delivered as browser-based applications with an API library and third-party integrations.

Origination includes an online consumer loan application, a document upload portal, collateral validation and valuation, and an automated decisioning tool built on drag-and-drop rules a lender can change, test and deploy without a programmer. Servicing adds integrated collection and solicitation queues, digital notifications, and a customer portal and mobile app.

The general ledger application is pre-integrated with the rest of the suite rather than sold separately, with tracking of posting activity and custom financial reports. Payments are processed through APIs to third-party partners, supporting ACH, card and lockbox, with text-message authorisation and posting from third parties by API or lockbox.

The company says it has been in business nearly 20 years and provides data processing and network services to clients in over 2K offices doing business in all 50 states, serving a network of almost 200K dealers. Card data is tokenised through a third-party service and never stored on the system, and the company undergoes an annual PCI audit.