Microloan Management Services

ACCION Texas' Microloan Management Services (MMS™) are available on a national level. This integrated loan management system meets the specific needs of microfinance institutions and their portfolios. This service provides:

1. Internet online applications on your site
2. Scoring Engine (Pre-approved) Footprint
3. Underwriting
4. Closing documents
5. Portfolio management to include: Monthly statements, payments and collections
6. MMS™ captures contact, socio economic and loan information directly from the loan application.

ACCION Texas MMS Footprint

 

ACCION Texas Historical Portfolio Quality

Manage Your Risk

In 2004, leveraging more than 10 years of microfinance experience and data, ACCION Texas introduced a credit scoring system as part of its overall risk management strategy. Since then our portfolio has more than doubled while delinquency, charge offs, and restructures have achieved historical lows.

ACCION Texas is now making this powerful tool available to other organizations as part of a package which can be used to focus on growing loan portfolios in reduced time, effort, and risk.

Streamline

Complete applications using our web based system and receive a preliminary evaluation of the loan available to loan officers and clients immediately after an application is submitted. This allows you to expedite the loan decision process and focus on the customers and their businesses. Do not waste time in preparing closing documents, just request them, print and get the required signatures.

The system is “high tech and high touch” in that it gives loan officers vital back office support at their fingertips allowing them to spend quality time with prospects and clients.

Learn From Us

With the largest microloan portfolio in the United States and 14 years of operations solely dedicated in helping the un-banked, ACCION Texas is pleased to offer other micro lenders access to our revolutionary loan management system. We make a loan every 2 hours somewhere in Texas. With the exception of closing documents and checks to the client, everything is paperless.

CARS™ Ratings

The Opportunity Finance Network CDFI Analysis and Rating System (CARS™) awarded ACCION Texas the highest impact performance rating possible – AAA. In reference to MMS™, the CARS report stated, “As a result, loan officers and underwriters are able to utilize nontraditional criteria to rapidly make initial credit assessments, increasing the number of loan applications by 50%...a direct positive impact on self sufficiency.”

Save

Produce at a fraction of your current cost by achieving economies of scale in infrastructure, software, supplies and administration. SAVE time so you are able to help those that need you most. Pricing is on a pay-per-use basis and varies depending on services selected and loan volume.

Grow Your Portfolio

With MMS™, your clients only see your company brand on all products, forms, and documents. While we provide the services, it’s your portfolio.

Microloan Risk Assessment Tool Development

For additional information please contact:
Gustavo Lasala, CFO
210.226.3664 ext 1121
glasala@acciontexas.org