QFund runs the entire short-term lending lifecycle — loan application, origination, disbursement, servicing and collections — for storefront, online and omni-channel lenders. One configurable platform, as many loan products as your market needs, 50 state rule sets.
Yours to configure — not ours to release
Add a loan type by configuring it — not by buying another system, running a second database or retraining your branch staff.
Interest-bearing & fee-based
Explore →Secured & unsecured revolving
Explore →Single-pay, state-rule driven
Explore →Valuation to lien release
Explore →Texas credit access business
Explore →Pay as you go, zero fixed cost
Explore →Configure each one with its own terms and fees — then choose exactly where it is offered.
Own terms, rate, fees, documents.
400+ financial-lending domain experts, and a team dedicated to your account — so customisations ship in your priority order. Dedicated teams →
The screens your storefront CSRs and collections agents use all day are modern, intuitive and, above all, identical in structure. Same header, same action rail, same field placement — in every module. Competence on one transaction transfers to all of them.
Short-term lending runs on high staff turnover, so every week of learning lands on payroll and on handling time. Training and help manuals are available — they are simply not what stands between a new hire and a served customer. See how the interface works.
Every function QFund performs is available as a RESTful JSON API — so you can run your own borrower portal, or keep the agent interface your staff already use, and let QFund be the system of record behind it.
Take the APIs and build your own experience, use QFund’s own screens and channels, or mix the two — a portal on the API while your stores run the QFund POS. See what the APIs cover →
Most lenders stitch together an origination tool, a servicing ledger, a payments gateway and a collections dialer. QFund is one core that does all five stages — so the data never has to be reconciled between them.
Capture in-store, online, by phone or from a lead provider, with duplicate and fraud checks on entry.
Origination →Automated verification, bureau pulls, scoring and state-rule validation before an offer is made.
Origination →Cash, cheque, ACH, instant card funding or prepaid load — multi-disbursal on one loan.
Payments →Interest and fee accrual, statements, refinances, modifications, hardship plans and GL posting.
Servicing →Risk-ranked queues, promises to pay, dialer and agent desktop with full loan context.
Collections →The most recent QFund release focuses on the three places lenders lose the most time — agent keystrokes, the learning curve on the screens themselves, and check-cashing overhead.
Agents speak the outcome — “look up John Smith”, “take a $60 payment on loan 100428” — and QFund walks the screens, fills the fields and posts the transaction.
See how it works →Any check, any mode, multi-disbursal options and a highly configurable fee structure — on a model where you pay per transaction instead of carrying a licence.
See the model →Counter, servicing, collections and check cashing share one modern screen layout, so a CSR who can take a payment can also run a refinance or work a queue. New starters serve customers on their first shift — no training programme standing in the way.
How the interface works →A borrower can apply in a store and pay online, apply online and pay in a store, or move between the two mid-loan. One borrower record, one balance, every channel.
Loan application intake, automated verification, bureau and alternative-data decisioning, and offer generation that respects every state rule before it reaches the borrower.
The ledger that keeps the loan honest — accruals, statements, refinances, modifications, hardship programmes and automated GL entries.
Risk-ranked work queues, promise-to-pay tracking, dialer and agent desktop — with the full loan and contact history on one screen.
Take money and move money: ACH, debit and credit card, cash, cheque, Check21, instant card funding and prepaid load.
Voice-assisted agent experience and intelligent navigation, so the system does the clicking while the agent talks to the borrower.
Hosted SaaS, storefront POS, online portal and the Texas CSO model — deployed the way your operation actually runs.
QFund processes at a scale most lending platforms quote as a roadmap. These are cumulative production figures across roughly 20,000 storefront and online installations.
The eight things that decide whether a lending system actually survives contact with a real operation.
The integration list, not the feature list, is what decides your go-live date. A bureau or processor that has to be built and certified adds months; one that already ships adds a configuration task.
Experian, TransUnion, Equifax, Clarity, Plaid, Socure, REPAY, TabaPay, Five9, LiveVox, Solutions by Text, MagTek, Black Book, Salesforce — and 78 more. The vendors you already run are most likely on the list.
Anything genuinely missing goes through integration services on an architecture built for it.
Every document the platform produces is your template, filled from values QFund already holds.
Drop placeholders into your own wording and layout. No code, no vendor ticket.
One store or 1,000: drawer-level cash control, daily close and network roll-up reporting.
Storefront →Apply, decide, fund and self-serve end to end — on the ledger your back office already uses.
Online →Sovereign lending operations on their own rule sets, brands and document sets.
Tribal →Any check, any mode, fees configured by type, band, tier and store — zero fixed cost.
Check cashing →The same operation running a bank-charter programme as a separate brand on the same core.
Bank model →Arrange third-party-funded loans as a credit services organisation — the Texas CSO/CAB model, with CSO and own-book loans side by side on one core.
CSO / CAB →| QFund | Typical legacy LMS | |
|---|---|---|
| Loan types | Payday, installment, LOC, title and CSO on one core, plus check cashing | One or two loan types; the rest need a second system |
| New loan product launch | Configuration — weeks | Vendor development cycle — quarters |
| Loan products per loan type | As many as you need, each with its own characteristics, fees and documents | Usually one loan product per loan type |
| Loan product availability | Set per brand, channel, state and individual store | Global, or one variant per state |
| Document changes | Map placeholders into your own templates — configuration | Vendor change request |
| Customisation delivery | Dedicated team per lender, working your priority order | Shared queue behind the vendor roadmap |
| Channels | Storefront, online and mobile against one balance | Separate online system, reconciled nightly |
| Agent & CSR interface | Modern, consistent screen layout across every module — productive on day one | Module-by-module screens; formal training before an agent is trusted live |
| Voice / AI assistance | Yes — agents speak the outcome | — No — menu navigation only |
| Check cashing | Included, pay-as-you-go, zero fixed cost | Separate licence or not supported |
| Stated availability SLA | 99.99% | Rarely published |
| Integrations | 90+ pre-built, plug and play | Custom services engagement per integration |
| APIs | Every function available as a REST/JSON API — run your own portal or agent UI on QFund | A subset of endpoints, with a nightly file exchange for the rest |
| Independent assurance | SOC 2 Type 2 | Varies |
Operators who consolidated onto QFund — and stayed.
CNG Holdings, along with QFund Technologies, successfully completed our 6th and final LMS conversion onto the QFund platform. This was not our first attempt at consolidating our LMS platforms — as a matter of fact, we’ve tried several times unsuccessfully — but QFund truly separated themselves from other providers in terms of their discipline, collaboration and expertise: not only for our online platform, but for our branch-based retail network as well. Their professionalism, flexibility and commitment to excellence have made them much more than good technology providers — we view them as our technology partner.
Virinchi’s QFund platform has played a pivotal role in supporting our business and enabling our growth. Its flexibility allows us to adapt quickly to changing business needs. The breadth of its capabilities ensures we can manage a wide range of loan products and workflows. And its robustness gives us the confidence to scale without compromising performance or reliability. Virinchi has been a true partner — responsive, collaborative and deeply committed to our success. QFund is more than a system — it’s a foundation for innovation and growth at QCHI.
Dan Wienckoski on running NCP Finance’s lending operation on QFund — in his own words, on camera.
QFund is a loan management system (LMS) for the U.S. short-term and alternative finance industry. It handles the complete lifecycle — loan application, origination, disbursement, servicing and collections — for payday, installment, line-of-credit, title/auto-equity, check-cashing and Texas CSO/CAB lending, across storefront, online and omni-channel operations.
Yes — that is the core design assumption. Rate caps, fee structures, cooling-off periods, rollover and refinance limits, database reporting and disclosure requirements are configured per state, and validated during origination before an offer is presented to the borrower.
Yes — there is no practical limit. Several installment loan products can run at once, each with its own terms, fees and documents, and each offered only to the brands, channels, states and stores you choose. Configuration and testing, not a vendor release. Loan types.
Both are configuration. Agreements, receipts, authorisation letters, notices and customer communications come from templates you own, filled by mapping QFund’s existing placeholder values. Configure, test, go live — no vendor release cycle.
Very likely. QFund ships with more than 90 pre-built integrations across lead providers, address and identity verification, employment and bank verification, credit bureaus and alternative data, card and ACH processors, prepaid and instant-funding rails, SMS/IVR/email, dialers, collections agencies, accounting and HR systems, and store hardware. The current list is on the integration ecosystem page.
Yes. Every function QFund performs is available as a RESTful JSON API over HTTPS, so you can build the borrower experience in your own stack and brand, or keep the agent tool your staff already work in, and call QFund for verification, decisioning, origination, disbursal, servicing, payments and collections. Webhooks push loan and payment events back to your systems. Permissions, state rule sets and the audit trail apply to an API call exactly as they do to a keystroke, and platform configuration stays in QFund’s admin interface. See what the APIs cover.
By delivery model rather than a single published rate card: subscription/ASP, licence, or the pay-as-you-go, zero-fixed-cost model used for check cashing. Figures depend on volume, loan products and states, so they come from a conversation — the models themselves are documented on the pricing page.
QFund is a product of Virinchi Limited, a publicly listed company (NSE and BSE, India), and has served the U.S. short-term finance industry for 25+ years from Marlboro, New Jersey. See about us and investor relations.
A working demo with your loan products, your states and your fee structures — not a generic slide deck. Bring a real portfolio scenario and we will configure it live.
