Vergentlms

Vergent LMS (vergentlms.com) — Latent cross-lender small-dollar / payday loan performance warehouse: a consolidated schema holding every loan, transaction, customer record, note and communication for each lender client, from which the platform computes delinquency roll rates by past-due bucket, charge-off rates by origination cohort / product / acquisition channel, ACH return volume and return codes, auto-pay unenrollment reasons, payment-arrangement completion, default rates by underwriting tier and decision-engine output, repeat-borrower and rollover patterns, state and product concentratio…

Vergentlms offers (Alternative, Fundamental) — Potentially large and unusually deep per loan: at an illustrative 50-200 lender tenants each holding 10K-200K loans, the warehouse spans roughly 1M-20M loan records, each with full transaction, ACH, communication and audit history at tens of events per loan — plausibly 100M+ event rows. Unverified: derived from tenant-count and book-size inference, not a published figure.

Small-dollar and alternative credit scorecard development and validation on thin-file, subprime and no-score populations underrepresented in mainstream credit data; payday and vehicle-title loss forecasting and collateral valuation; household-liquidity-stress and cash-flow-volatility indicators built from ACH return codes and auto-pay unenrollment; evidence on whether small-dollar products reduce or amplify financial distress (regulators, researchers, conduct and ESG teams); underwriting-policy simulation using default rate by tier and decision output; collection-strategy and contactability optimization; investor screening of lenders exposed to subprime consumer credit.

The data is with 10 years of history.

Coverage spans US; Consumer Finance, Financial Technology; alternative, fundamental; equities, fixed_income, structured_products.