Short Term Lending.

This lending market is typically small dollar loans, generally under $1,000 in principal with terms ranging from two weeks to three months.

Installment Lending.

Installment lending products are typically loans that range from $1,000 to $5,000 in principal, and have terms from three months to three years, where payments are made monthly.

Line of Credit.

This lending market is typically an open line of credit, where a customer is approved for a predefined credit amount for a set period of time. The consumer has access to the funds on an as needed basis. The customer re-payment amount and fees are determined based on the amount of money the consumer accesses, as well as, the timeline for repayment.

Credit/Prepaid Cards.

The market covers variations of both sub-prime credit cards, which typically carry small lines of credit, and require an initial deposit, and prepaid cards. The prepaid cards provide a financial product for customers to use similar to a debit or credit card, which typically require payroll direct deposit.

Near Prime/Sub-Prime Lending.

A broad lending market typically encompassing consumers with scores below the FICO prime range. These consumers have less than perfect credit history, due to either a thin credit file or no credit history, thereby limiting their access to traditional lending institutions. Lenders operating in this marketplace focus more heavily on alternative credit data sources to effectively score consumers.

Collections.

Collections tools assist in the recovery of all past due accounts across the spectrum of lending markets. Impact areas include data providing accurate and recent contact information, bank account statuses, as well as, tools designed to assess account collectability enabling the efficient use of first and third party collection resources.