


VergentLMS is a cloud-based loan management system serving consumer and commercial lenders across the United States. Built by eCash Software (founded 2005), Vergent provides configurable loan origination, underwriting, servicing, collections, and compliance tools on a single platform. The system supports any loan product type — installment, title, payday, line of credit, lease-to-own, and specialty finance — with loan models that lenders build and modify without vendor involvement. Vergent serves single-location lenders and multi-branch enterprises alike, with role-based controls, inter-store functionality, and a branch-level cash management system. Integrated portals for customers, dealers, and retail partners extend the platform beyond the back office. Vergent deploys in 60–90 days for standard configurations and connects to 37+ third-party services including credit bureaus, payment processors, and compliance verification tools.