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Client - Server PC Based Software for
Payday, Title and Installment Loan Lenders.

Risk-Free Full Version Demo

Payday Loan Software ... Cash Advance Loan
        Deferred Deposit Loan ... Paycheck Advance Loan
          Post-dated Check Cashing ... whatever you call it, this is it!

 ICANLoans CAP Pro is payday loan software, title loan software, and installment loan software all rolled into one  package that is specifically engineered for Windows 2000 and Windows XP operating systems. It also can operate on Windows 95, 98 & ME. Cash Advance Pro extends short term loans to customers based upon a predefined interest rate established in a table. Those in the quick cash / fast cash business of making short term payday loans and longer term installment loans will appreciate its ability to track customers and the loans given to them. Cash Advance Pro will print contracts, payment receipts, checks, delinquency reports, transaction listings, daily operating summaries, and much more.

The cost? Only $1,095 per system. Optional support is available for $65 per month, which includes unlimited technical support calls and free updates to the program.

For a free working demo - click here.

Multi-User and Multi-Store Technical Information
ICANLoans CAP Pro is designed on advanced Client / Server technology so that you will not be limited as your company grows. Need to add more computers? No problem. You can run as many computers as you want at a store location without any additional fees. Getting them set up is a breeze. Just create a shortcut to the server, and the system will run on that computer. There is not even a need to install the software on each client computer (although doing so might enhance performance a little).

The best news is that ICANLoans CAP Pro uses TCP/IP protocol to communicate with its data server. This is the same protocol used to navigate the internet. So what this means is that you can easily expand to satellite locations with nothing more than an internet connection. That's right. You can run 1 store or 100 stores from one database location. All you need is an internet connection. Because all stores share their data, any store can conduct transactions on accounts in other stores. Separate close outs are done at each store, so each store's business summary information is separated. Note that ICANLoans CAP Pro is priced per location.

Even if you choose to use a model which hosts a different database at each location, you can take advantage of the Client / Server technology by using our Change Database feature. With broadband internet connections at your stores, you can easily change your working database to any of your stores with just a few mouse clicks.

ICANLoans CAP Pro Features:

•	Enter loans with any loan amount and any term.
•	Ability to restrict loan amounts to a minimum and maximum allowable amount.
•	Ability to restrict individual customer's credit limit.
•	Automatically calculate different interest rates based upon loan amounts.
•	Ability to override interest amounts on new loans.
•	Track all money going in and out of the cash drawer.
•	Track the number and amount of held checks.
•	Print contracts, with the ability to reprint contracts at any time.
•	Print checks, with the ability to reprint checks.
•	Print payment receipts, with the ability to reprint receipts at any time.
•	Easy renewals which will satisfy an existing loan and establish a renewed loan.
•	Renewal loans are tracked separately from new loans.
•	Automatic principal reduction after a specified number of renewals.
•	Can calculate simple interest or contract interest amounts.
•	Petty cash expenses and miscellaneous receipt functions for the cash drawer.
•	Expense and revenue categories and reasons can be specified.
•	Bank deposit tracking with month to date and year to date calculations.
•	Ability to give non-cash credit.
•	Ability to charge-off loans to bad debt yet retain them for future records.
•	Bad check tracking.
•	Delinquency reports.
•	Late fee collection, and ability to waive and track the number and amount of late fee waivers.
•	Ability to add notes and comments on a customer record.
•	Ability to flag an alert notice on a customer so that another employee accessing that customer account will be   notified with urgent messages concerning the customer.
•	Support for printing mailing labels.
•	Multi-level security with individual password login for each employee.
•	Complete tracking of what each employee does in the system and when they do it.
•	Automatic security verification screen pops up after a specified length of inactive time passes.
•	Calendar and calculator pop-up screens for fields that require date and numeric inputs.
•	Context sensitive help system.
•	Easy transaction reversals of any transaction done during the current business day.
•	Cash Checks for a percentage fee based on the check amount.
•	Design and save as many reports as you like with a built in Report Explorer.
•	Archive reports and email them to print elsewhere.
•	ACH support

Minimum System Requirements:
Windows 98 Second Edition or higher.
128 MB RAM Memory
200 MB Free Space on Hard Drive

Note that while Windows 98 Second Edition is listed as the minimum operating System Requirements:

Minimum  System Requirements:                                                                                 

Windows 98 Second Edition or higher.
128 MB RAM Memory
200 MB Free Space on Hard Drive

Note that while Windows and Windows 98 systems. There may be certain system files that needs to be updated on your system if you use one of these older operating systems. One of these files is available for download in our support area.

Recommended System Requirements:
Windows Windows XP Professional or Windows Vista Business operating system
2 GB RAM Memory
80 GB Hard Drive or larger

  Payday Loan Software Screens

In order to use this Payday Loan Software, users must identify themselves by logging in with their own personal password:

New loans are created in this Payday Loan Software by selecting a customer and entering the appropriate loan amount and term.  The system automatically increments the Store Check number for check loans.  Cash loans also may be given.

Loans are renewed in ICANLoans CAP Pro by selecting the customer and the loan to renew, then entering the correct parameters for closing the existing loan and opening a new loan.

Loans are satisfied in ICANLoans CAP Pro by selecting the customer and loan, then entering the correct closing parameters.  If the satisfy method is "Deposit Held Check," then the check being held is shown to be deposited and the drawer expects it to be included in the next bank deposit.  If the satisfy method is "Receive Cash Pmt," then the check is reflected as being returned to the customer and cash is added to the cash drawer ready for the next bank deposit.

Loans in this Payday Loan Software may be put in a special pay down status.  This status allows all payments to go toward paying off whatever is left on the contract.  This screen also may be used to credit satisfied loans and charged-off loans which still show a balance.

Loans may be charged-off in ICANLoans CAP Pro by selecting the customer and loan in the following screen.  A descriptive reason for the charge-off may be entered as well.  Loans charged-off are flagged with a special status of charged-off.  This enables this Payday Loan Software to separate this loan from others and to keep them off reports which your collectors regularly work.  It also enables reports to be generated for special collection purposes.  The balance still owed continues to be maintained in the records so that it may be collected at a later date.  The operating summary records a summary of how many and the amount of charged-off loans being done.

Transactions in this Payday Loan Software update a cash drawer so you always know what has been going on in the store at a glance.  The beginning balance, receipts, disbursements of money from the drawer, etc. are all reflected here.  The total amount of cash, checks, and money orders is clearly separated.  The loan statistics and changes in held checks are all for the current day only.  The operating summary created at the end of each day records similar information for long term analysis.

The edit customer screen in this Payday Loan Software is conveniently separated into pages, something familiar to users of Quick Books.  The first page shows a list view of customers making it easy to select the customer you are interested in.  As with the other transaction screens,  the order of the customers may be changed to order it by name, co-signer name, phone number, social security number, social security number of the co-signer, or by customer number.  Any of these fields may be searched through or browsed.  Much more customer information can be seen by scrolling the window to the right.

By clicking on a tab, the information for a particular customer may be viewed and edited in a form.  Below is the contact information page accessed simply by clicking the tab at the top of the form.  If the user checks the Note Alert check box, then other users will be notified of the important note whenever they access this account for a transaction.

The following page shows reference information for the customer.

The following page shows information which profiles the customer.  This information can be used in marketing analysis.  There is also a memo field which is like a scratch pad or notebook area where any comments may be entered.  A promise date and time also may be entered indicating when the customer plans to settle his account.

This page shows statistics about this customer, such as how many loans they have done, the amount of those loans, and the amount of outstanding loans.  The number of times the customer has been late, the number of times and amount of late fee waivers, the number of times and amount of non-cash credit given, are all conveniently displayed on this page.  You can even see how much money you have earned by loaning money to this customer.

A customer's loans and transactions may be viewed easily at the following screen.

Mistakes are easily corrected in ICANLoans CAP Pro.  Transactions are reversed during the current business day by simply selecting the customer.  The last transaction done by the customer is shown.  Clicking on the "Reverse Transaction" button undoes what had been done.  If necessary, you may continue to reverse previous transactions done by this customer. 

The following screen shows how forms and letters for a customer may be printed.  Reprints of contracts, receipts, and checks may be done here also.

The following screen shows how loan reports are selected and processed.  None of the reports in the Payday Loan Software are hard coded into the program.  A report writer configures the reports, so future custom reports are a cinch to create without updating the program.

The following shows the kind of information reported in the operating summary.

The price for this Payday Loan Software is only $1,095 per store.  Optional monthly support is available for $65 per month, which includes free updates of the program.

Cash Access - Transaction Management - Financial Networks

CHECK CASHING, BILL PAYMENT, CASH ADVANCES LOANS and PREPAID DEBIT CARDS are some of the fastest growing and most profitable business opportunities available. We make them available to you. It's the ideal complement to your existing business or as a new business. If you have a 6 ft. by 8 ft. space available, you can turn it into an additional source of multiple income  streams. 

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Merchant Financial Services

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