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


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