eSoftware: Looking Up and Looking Forward

By Terry Freeze
COO, eSoftware Solutions
Sept. 6 2016

2016 has been significant: During this 10th year anniversary of our company, we have been named as one of the “Best Places To Work” in our state. That is our CTO, Johnny Withers holding the award above.

10 years transparent

And, we held our Inaugural Users Conference to rave reviews by our customers.

Great to make connections with others in the industry and put faces to names.

I “heart” Carol Moore! Thank you.


I really enjoyed this conference meeting. It was very informative.

Overall – 10 out of 10

This was a very eye-opening experience! Thanks, it was great!

I have been an eCash user since 2007 and still learned a great deal of what the software has to offer

That was followed by being named, for the fourth consecutive time, to the Inc. 5000 list of the fastest-growing private companies in America.


People are surprised that we are doing such innovative work right here in Mississippi. I am pleased that we continue to grow and that Inc. Magazine awards this distinction as ‘fastest growing.’ Our entrepreneurial business approach makes it an exciting company in which to work.

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For our eCash Software product, this past summer the Consumer Financial Protection Bureau announced proposed rules that will change the shape of the financial landscape for millions of people if not altered before being enacted. See our dedicated CFPB page on the eCash Software site for lots of details and action steps you can take.

Even as technology continues to re-shape our daily lives, it is good to pause mid-year to thank our customers for their trust and collaboration. We make great software for them! Thank you.

Software for licensing, financial, and compliance

Terry Freeze is the Chief Operations Officer of eSoftware Solutions, Inc., a software leader in segments that serve the financial, government and business markets with three products: eCash, eLicense and eCompliant software. eSoftware Solutions is an Inc. 5000 Fastest Growing Company in America for 2016, a four-time honoree.

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eSoftware Solutions Named for the Fourth Time to Inc. 5000

JACKSON, MISS. – For the 4th time, eSoftware Solutions has made the Inc. 5000 list of the fastest-growing private companies in America.

Only a tiny fraction of the nation’s companies have demonstrated such remarkably consistent high growth, particularly in the difficult economic environment of the past few years. This achievement places the capital city metro-located company in rarefied company.

FOUR-time-Inc-5000-2016-Hi-resScott Putnam, CEO and Founding Partner of eSoftware Solutions commented:

“It is a terrific year – our 10th anniversary year – to receive this recognition. In fact, 2016 has been a momentous year for our company.”

“During this 10th year we have also been named as one of the “Best Places To Work” in our state and held our Inaugural Users Conference to rave reviews by our customers.”

Co-founder Terry Freeze, COO, noted:

“I am proud that we are one of 11 companies recognized in the State and one of 49 companies in the Mississippi, Tennessee and Arkansas region to receive this prestigious recognition.”

Inc. Magazine, in their August publication said, “Our annual list of America’s fastest-growing private companies is full of entrepreneurs who seized growth opportunities and have successes year over year. Particularly in industries such as health care, financial services, and technology, the Inc. 500 mirrors the most robust sectors of the U.S. economy.”

The Inc. 5000 list for 2016 measures revenue growth from 2012 to 2015. To qualify, companies had to be U.S.-based, privately held, for profit, independent and not subsidiaries or divisions of other companies. The minimum required revenue for 2014 is $2 million.


Founded in 2005, eSoftware Solutions, Inc., operates by their vision statement , “Great software makes everything better.”

eSoftware Solutions delivers web-based software solutions on .NET technology with speed, customization and database management not possible on legacy systems. Their products include:

  • The eCash software product is a national leader in the small dollar financial market.
  • The eCompliant software product is a comprehensive repository to handle the growing regulatory and compliance demands.
  • The eLicense product is an automated system for governments and agencies to license professionals in a paperless manner.

Located in the capital city metro of Jackson, Miss., our mission is to deliver software that is intuitive, affordable and competitively superior. eSoftware Solutions is an Inc. 5000 Fastest Growing Company in America for 2016, a four-time honoree and was named one of the “Best Places To Work” by the Mississippi Business Journal for 2016.


eCash Software Company Integrates FactorTrust – A National Alternative Credit Data

eCash Software offers lenders a new risk-scoring service for underbanked customers needing access to credit

ATLANTA–(BUSINESS WIRE)–FactorTrust, The Alternative Credit Bureau, announced that eCash Software has integrated its vast alternative credit database of underbanked consumer information to their software product for consumer financial lending. This opens the door to effectively evaluate the credit worthiness of millions of consumers.

“The seamless integration of FactorTrust with eCash Software makes for a superior and unique product to offer our customers,” says Scott Putnam, CEO of eSoftware Solutions and its product, eCash Software. “Risk scoring specifically for our market is very important to understand and FactorTrust provides that for us.”

eSoftware Solutions is located in Ridgeland, Miss., and celebrates their 10-year anniversary this year in the software development business.

Short-term lending, the auto sales industry and installment lending are just a few of the areas where the underbanked are held hostage to bad or insufficient data, where a lender is unable to make an educated decision about the creditworthiness of a consumer.

“Lenders are finding out that there are millions of valuable underbanked consumers if they can only be found,” says Greg Rable, CEO at FactorTrust.  “Our data and the ability to score these consumers, whether they have thin or thick credit files, protects lenders while giving more consumers easier access to better credit products.”

FactorTrust’s proprietary alternative credit data is not available from the Big 3 bureaus enabling lenders to offer underbanked consumers the credit they deserve. The company offers analytics and risk scoring information to make informed decisions about the consumers they want.  The company recently announced the launch of its LendProtect MLA Check which allows lenders to quickly verify covered borrowers and remain in compliance with the Department of Defense’s (DOD) Military Lending Act (MLA).  Compliance with the MLA starts on Oct. 3, 2016.

Putnam continued, “It was great to have FactorTrust at our recent User Conference. They understand the special financial demands of our customers and bring a value that we and our customers trust. eCash Software is proud to work with this partner.”

For more information on FactorTrust, please visit or contact FactorTrust at 1-866-910-8497.

Factor Trust
About FactorTrust

FactorTrust, The Alternative Credit Bureau, is relentlessly dedicated to proven analytics and clean credit information that provide lenders opportunities to grow revenue, meet compliance regulations and serve more consumers with more credit options.

At the core of FactorTrust is alternative credit data not available from the Big 3 bureaus. It includes analytics and risk scoring information lenders need to make informed decisions about the consumers they want.

FactorTrust Alternative Credit Data and Analytics accurately predicts risk and the ability to repay of near and non-prime consumer loans in real-time and enables financial service companies an opportunity to uncover creditworthy prospects that are not surfacing via traditional credit sources.

Headquartered in Atlanta, the experienced FactorTrust team of predictive analytics specialists, statisticians and financial industry experts has delivered unique data and valuable insight to lenders throughout the U.S. for more than 10 years. For more information on the quarterly FactorTrust Underbanked Index or the company itself, visit

1+++eCash Software Solutions 2C transparent

About eCash Software

Founded in 2006, eCash Software is a product of eSoftware Solutions, Inc., is a national leader in consumer financial services software. eCash has custom loan modules, robust reporting, integrated partner features and a companion compliance program for today’s demanding CFPB-regulated environment. We deliver software that is intuitive, affordable and competitively superior. eSoftware Solutions is an Inc. 5000 Fastest Growing Company in America for 2016, a four-time honoree. Visit, @ecashsoftwre


WeBINAR: CFPB UPDATE – Stand Up. Be Heard.

Free WeBINAR on CFPB Proposed Rules for Payday on Aug. 24

eCash, the Financial Service Centers of America and Hudson Cook will be discussing the latest on the CFPB Proposed Rules for Payday.

“At our recent user conference we heard from our clients that they want to stay informed on developments regarding the Proposed Rules. This affects their livelihood and the jobs for tens of thousands of Americans,” stated eCash CEO Scott Putnam. “We are doing this update with a strong secondary purpose. Businesses and their customers need to comment during this period. It will definitely make a difference in the final outcome of the regulations,” he said.

Hosted by Jennifer Tabb, Vice President at eCash Software, presenters include Ed D’Alessio, Executive Director of the Financial Service Centers of America (FISCA),  with Justin Hosie and Blake Sims, both Partners at Hudson Cook LLP, specializing in regulatory compliance for alternative financial service providers.

“We will highlight important websites and suggested messages to encourage commenting by the industry,” stated Tabb. Websites include, and the website of the Federal Registry, the official portal for CFPB comments.


DATE: AUGUST 24, 2016

TIME: 1 pm EDT / 12 noon CDT / 11 am MDT / 10 am PDT

For more information:

What Minority Communities Are Saying About the CFPB Rule for Small-Dollar Lending

August 4
CFSA Director of Communications

The CFPB’s proposed rule for payday and other small-dollar loans will eliminate access to credit for millions of Americans, with particularly devastating consequences for minority communities.

The CFPB has not considered the opinions of consumers across the country in its rulemaking process, including leaders of minority communities nationwide who have spoken out against the harmful regulations:

“By deciding to attack short-term lenders rather than addressing real problems impacting the financial lives of all Americans, such as the continued red-lining of minorities and double-standards for people of color applying for signature or unsecured loans that have resulted in innumerable and embarrassing of multi-million dollar fines levied against large traditional banks, the CFPB has made it clear that they aren’t listening to those who have actually grown to appreciate the benefits of short-term loans.”
Rev. Jarrett Barton Maupin Jr., Fellowship Baptist Church


“Hispanic consumers and businesses have been significantly impacted by the tightening of credit in the U.S. Access to credit drives consumer spending, and is absolutely essential to our members and their businesses. Indeed, a large portion of small-dollar loans are used to pay bills at small businesses, and money spent at these businesses stays within the communities, boosting local economies.”
Javier Palomarez, Hispanic Chamber of Commerce


“A person who is in need of a short-term loan or a small loan, banks they just won’t do it. It’s not available to people that I serve in my community, even if you have collateral, it’s not even available.”
Bishop James Tindall, Metropolitan Spiritual Church of Christ


“I lost one job to go back to school to become a nurse. I’m married, I had a child at that time, so with me coming back every two weeks to get that $500 cash advance, it helped me to be able to keep my home, go to school, and put food on the table.”
Katrica, Payday Loan Consumer


“Financial protection comes in many forms, and we must ensure that meaningful and robust safeguards exist to prevent predatory lending practices. However, the CFPB’s insistence on regulating payday loans to the point of near-extinction is not in the best interest of American consumers. Payday loans have served as a valuable safety net to countless individuals, and eliminating them outright would fail to provide financial protection to those who need it most.”
Congressman Alcee Hastings (D, FL-20)

Amy Cantu
CFSA | Director of Communications
703.842.2092 (o) (e)

eSoftware Solutions Named a “Best Place To Work”

eSoftware Solutions Recognized

eSoftware Solutions was named a “Best Places To Work” by the Mississippi Business Journal and was honored in the small business category at the annual luncheon on June 24, 2016.

Best places

Chief Technology Officer, Johnny withers, accepted the honor and said, “As a company that was started in Mississippi and has been thriving for a decade now, this is a wonderful honor to receive on behalf of our staff.”

Founded in 2006 by two lifelong friends, Scott Putnam, CEO, and Terry Freeze, COO, eSoftware Solutions is celebrating its 10th anniversary in 2016.

eSoftware Solutions leads in segments that serve the financial, government and business markets with three products: eCash, eLicense and eCompliant software.

eSoftware Solutions is an Inc. 5000 Fastest Growing Company in America, a three-time honoree. Located in the capital city metro of Jackson, Miss., we deliver software that is intuitive, affordable and competitively superior. Visit

10 years transparentSoftware for licensing, financial, and complianceUSA only - no eSS

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Illegal Online Drug Outlets Pose Health and Financial Risks to Older Adults

New Campaign Offers Tips to Avoid Rogue Websites: Infographic, video, press release

Low prices and the convenience of shopping online are two driving factors for buying medications on the Internet, making older Americans easy targets for rogue entities illegally distributing medications online.

Seniors and their caregivers may be unaware about the health and financial risks associated with buying medications from online drug outlets. The Alliance for Safe Online Pharmacies (ASOP Global), Center for Safe Internet Pharmacies (CSIP), and National Consumers League (NCL) have launched a campaign to educate seniors about buying prescription drugs safely online: see the infographic, watch the video from ASOP and read this important press release.

Online rx 2

Rising drug costs attract seniors to illegal online drug outlets. However, antifreeze, house paint, and floor wax are among the contents patients may find in the medications they buy from unapproved and unknown sources over the Internet, indicates NABP’s Internet Drug Outlet Identification Program Progress Report for State and Federal Regulators: April 2016.

NABP has reviewed over 11,000 websites selling prescription medications online to US consumers and has found approximately 96% of them to be operating illegally, placing patients’ health at risk.

Of the websites identified by NABP as Not Recommended, the majority were found to be dispensing prescription drugs without a valid prescription. These findings include sites dispensing drugs based solely on an online questionnaire, as well as those requiring no prescription at all. Most sites selling drugs illegally online do not post any address, and nearly half have their domain names registered anonymously.

NABP, along with many patient safety advocates, continues to recommend that patients use Internet pharmacies that have a .pharmacy domain name, have been granted Verified Internet Pharmacy Practice Sites® or Veterinary-Verified Internet Pharmacy Practice Sites® accreditation, or have approved e-Advertiser status through the NABP e-Advertiser ApprovalCM Program. These sites have been evaluated by NABP and found to be in compliance with pharmacy laws and meet high standards for pharmacy practice and patient safety.

House Panel Would Block Obama Rules on ‘Payday’ Loans


WASHINGTON — A powerful House panel is coming to the aid of payday lenders, moving to delay Obama administration regulations aimed at cracking down on the much-criticized industry.

Thursday’s 30-18 vote by the Appropriations Committee would block proposed rules by the Consumer Financial Protection Bureau requiring payday lenders make sure customers are capable of repaying the loans, which typically come with high interest rates and fees.

The rules also would cap the number of successive loans consumers can take out and try to keep consumers out of the resulting spiral of debt. They would also restrict lenders from multiple attempts to collect payment from consumers’ bank accounts in order to protect them from excessive fees.

The proposal, by Mississippi GOP Rep. Steve Palazzo, would require reports before the rules could take effect and have the bureau identify products that could replace payday loans. It was attached to a spending bill with jurisdiction over the consumer bureau, which was established by the 2010 financial overhaul law. It faces a certain veto threat.

Palazzo said the new rules would restrict lending, especially in rural districts like his in southern Mississippi.


But Democrats, for the most part, were strongly against the amendment, saying it would protect the payday industry at the expense of borrowers at risk of being trapped in a spiral of debt and losing their cars or other collateral along the way.

Read the full story here.

Licensing Professionals: Breaking Up with Excel

By Ben Kapner
Customer Relations
June 15, 2016

They say that breaking up is hard to do, especially with such a wonderful mate that is Excel. It is the spreadsheet that we have come to know and love. It adds, sorts, notates, organizes and collects our databases. But for licensing Boards in states and government, let’s face it, you need more.

Software built for your state’s Professional Board is on another higher level. In short, it makes quick automated-work of all of the tasks that you do in Excel or in any other Office tool, for that matter.

To name a few:

  • Single database processing in real time.
  • Portals connected to the software for verification, renewals, payments, information edits, document retrieval, application processing, printing and more
  • Automated tasks
  • Customizable and beautiful reports
  • Automated and effortless printing
  • Compliance information integrated to keep up with audits, inspections, cases and more.
  • And, speaking of integration, software easily integrates with your state’s back office for fee collection.

At the grassroots of the Excel love affair is the idea of control. The user can manipulate data down to the single cell, organize at will, format as they prefer. Total freedom. Having this “freedom” is reassuring. I understand.

The apparent trade off is minimized with software that is easy to manipulate. You should have software with fields you can change and one that has the ability to add custom items without it being a major IT project. You should be able to build custom reports each time you need a report with only a few clicks – again, without an IT programmer change request.

heart excel2

Ending a love affair for a better mate can be hard. We don’t like change. But I am hoping you can see a bright new software future – powerful, automated and intuitive functions that actually make your job much easier.

In conclusion I offer this: Let’s keep our Office tools close for “tasks” that are vital and silo in scope. But these tools are not integrated systems that can automate complex licensing responsibilities that are important to public health, welfare and safety. It’s time to break up.

Ben Kapner
Customer Relations and a good guy to talk to on the phone


Ben Kapner is a Customer Relations Representative for eSoftware Solutions, Inc. coordinating lead generation and sales for eLicense Software. Since 2007, eSoftware Solutions is serving a national client base of financial institutions, government agencies and businesses and is an Inc. 5000 Fastest Growing Company in America for 2015, a three-time honoree.

Kapner is expert in managing professional relationships across all industries and at all levels. He comes to eSoftware Solutions from where he was an Account Executive focusing on new account generation and long-term growth strategies.

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NAPB e-News Brief

St Louis Mayor Signs Bill to Establish PDMP in the City

A prescription drug monitoring program (PDMP) will be established in the city of St Louis, MO, according to a bill signed into law by Mayor Francis Slay. St Louis County enacted a PDMP law in March 2016, and CBS St Louis reports that the city and county programs will work as one. The American Pharmacists Association notes that both programs should be established and running by the end of 2016. Missouri is the only state in the United States without a statewide PDMP.
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