Loan management system

Adaptive Core™ loan management system

Whether you’re looking for a modern lending core or you want Peach to live alongside your legacy core, our loan management system gives you a platform configurable enough to launch virtually any lending product.

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Configurable by design

What’s modern today won’t be modern forever. That’s why we built our core around an entirely new paradigm—giving you complete configurability both at launch and at scale. So you can always be ahead of the curve.
250+ variables to configure

We’ll configure your lending construct to get you up and running quickly, and you then have the flexibility to innovate and adjust as you scale.

Almost any asset class

We have solutions for almost any asset class, from BNPL to business loans, and we can support novel and innovative constructs.

Conforms to your system

Our Adaptive Core™ is designed to be your modern lending core—or it can be a sub-ledger to your existing core system.

Compliance Guard™

Regulations never stop evolving. Compliance Guard™ helps you stay one step ahead.

Integrate any vendor

Plug in any vendor you like—whether it’s a card issuer, sevicer, origination system, payment processor or CRM.

Cloud-based APIs

Our RESTful API-based architecture gives you real-time access to your ledger.

Loan Replay™ makes retroactive changes easy

Loan Replay lets you travel back in time so you can keep moving forward. Make updates to the ledger at any time—past or present—and recalculations will happen automatically while preserving immutability.

Backdate payments
Fail past transactions
Retroactively change an interest rate

Immutable ledger

All data is yours to transparently access through an up-to-date read-only database replica. Track each loan’s performance for any date range, and give investors daily loan statuses with loan tape data exporting.


Leverage our out-of-the-box enterprise reporting suite and data insights to measure portfolio performance, agent productivity and collections. Track historical data with Daily Snapshots.


We generate Metro2 files so you can report automatically to all three major credit bureaus.

Supported asset classes

Cash advances

Give workers access to capital before they get paid through a single-term loan. For borrowers who need more time to pay, cash advances can be converted into installment loans, with fully configurable interest and fees.

Home improvement loans

Give homeowners the capital to make home improvements, including solar installation. Offer the flexibility of multiple advances or stage funding, either through our line of credit construct or through an installment loan with multiple disbursements.

Retail installment contracts

Retail installment contracts or retail installment sales contracts (RISCs) give shoppers an easy way to finance big-ticket items—under a different regulatory framework than buy now, pay later. Our data model includes merchant ID and MDR accounting.

Private student loans

Give students financial flexibility as they take on their education. You can structure student loans as an installment-based refinance product, or as an installment loan with multiple disbursements. You’ll have the tools to defer interest accrual and defer payments as needed.

Auto and recreational

Give consumers a term loan to finance their car or equipment purchase. Our data model accounts for asset value, securitization, cure period, repossession and regulatory filings.

Merchant cash advances

Give merchants access to a lump sum of capital in exchange for a percentage of the business’s sales. We can accommodate irregular and unstructured payments, and we support conversion of MCAs into installment loans if merchants need more time to pay.

Invoice financing

Invoice financing is a form of asset-based lending that gives businesses an advance on their unpaid invoices. As with an MCA, an invoice financing loan can be converted into installments if the business is unable to pay on time. Peach also supports invoice factoring.


With a home equity line of credit, give homeowners access to a revolving credit line secured by the value of their home. Get complete flexibility to configure draw periods, interest accrual, repayment schedules, fees and more.

Novel constructs

Don’t see the asset class you have in mind? Our Adaptive Core™ was designed to be agnostic to asset class, so that we can support almost any construct—including ones that haven’t been invented yet. Let’s talk about how we can help you launch the product you’re envisioning.

Featured whitepaper

5 reasons lenders need adaptive infrastructure

Peach's Adaptive Core™ gives lenders a new paradigm in loan management, enabling them to continually test and iterate, even at scale, and to continually launch new lending programs with speed and flexibility.

Whitepaper5 reasons lenders need adaptive infrastructure

Introducing Self-Service Portfolio Migrations™

Conduct your migration through the same APIs you'll use to manage your Peach integration. This industry-first feature helps you lower risk, reduce costs and take control of your migration timeline.


Built for security and compliance

Our loan management and loan servicing software is compliant with SOC 1 Type 1, SOC 1 Type 2, SOC 2 Type 2, PCI DSS Level 1 and HIPAA. We practice defense-in-depth security architecture and employ best-in-class practices and tools to maintain security on all levels.

SOC 1 Type 1 compliant
SOC 1 Type 2 compliant
SOC 2 Type 2 compliant
PCI DSS Level 1 certification