Servicing suite
Our fully integrated suite of proprietary loan servicing tools has you covered for everything you’ll need out of the gate—and at scale.
Servicing modules to cover all your bases
Borrower Portal
The Peach Borrower Portal comes out of the box with a robust set of modern, self-service features—giving your borrowers more control and reducing customer service contacts.
Self-service repayment
Borrowers get 24/7 access to their account, with tools and flexibility to manage repayments. For example, borrowers can set up autopay with a custom schedule that works best for their cash flow.
Digital-native
Digital-first, web-based and mobile-friendly, our Borrower Portal application is optimized for a wide variety of web browsers, ensuring your customers can self-service any time—under your own domain name.
Robust feature set
Borrowers can easily perform a wide range of account-related activity on their own, including making and scheduling payments, setting up autopay, customizing their payment plan, accessing statements, updating account information and more.
CRM
Peach is the first modern lending platform to feature native first-party collections tech on top of an enterprise-grade loan management system, enabling you to achieve better outcomes from your delinquent accounts.
Fully integrated tools
Leverage operational insights to create sophisticated collections strategies. Set no-touch rules to automatically leverage templated reminders or custom omnichannel communications. Decide when you want manual intervention to begin, which teams you want tasks assigned to, and how and when you want them alerted.
Configurable cases and workflows
Receive asset class-specific default cases, workflows and templates that are vetted by lending and compliance experts. Predefined workflow steps and communications templates come out of the box—ensuring consistent application of your policies and compliance with applicable bankruptcy laws. You’ll also get the flexibility to configure your own cases, workflows and templates as your lending program scales.
Supercases
In the event of a natural disaster, pandemic or conflict, you can cluster impacted customers and generate corresponding cases, notes and do-not-interact rules in batch. We also support automatic monitoring of FEMA disasters.
Loan modifications
Agents can waive fees, issue credits, defer due dates, change or extend terms, create payment plans, reverse payments, backdate payments, and more. We support unique products and policies by geography.
Seamless collaboration
A single tool used by agents, supervisors, back office, and fraud and legal teams makes for seamless collaboration. Our CRM supports smart case matching, unlocking team ownership of tasks and cases and automatically distributing work by matching it to appropriately skilled agents. Easily configure roles and permissions based on your unique servicing policies.
Superior agent experience
Our CRM is designed to be as user-friendly as our borrower portal, enabling agents to be trained more quickly and to handle more cases in less time. The CRM is designed to give agents the same view as borrowers—just with augmented capabilities—simplifying communication and issue resolution, and enabling agents to guide borrowers toward self-service.
Remote servicing
Our CRM is cloud-hosted and browser-based, so agents need only a computer and an internet connection. From an information security perspective, we support multi-factor authentication, data encryption, role-based access, real-time security monitoring and strong password policies.
Compliance built in
Compliance Guard™, our proprietary compliance monitoring and reporting tool, checks outbound communications for compliance with servicing regulations and borrower preferences, providing you with default rules that you can further configure. It will block any communication attempts that are in violation, provide legally required protections, proactively offer hardship solutions and receive automatically generated cases for review.
First-party collections
Peach is the first modern lending platform to feature native first-party collections tech on top of an enterprise-grade loan management system, enabling you to achieve better outcomes from your delinquent accounts.
Automated cases and comms
Leverage operational insights to create sophisticated collections strategies. Set no-touch rules to automatically leverage templated reminders or custom omnichannel communications. Decide when you want manual intervention to begin, which teams you want tasks assigned to, and how and when you want them alerted.
Smart case matching
Peach will automatically create cases and distribute tasks among your available teams and agents. Cases can be matched exclusively to appropriate teams. Agents can then leverage Peach’s robust loan modification tools, and can set follow-ups such as scheduled outbound calls, manual email and SMS sends, and other reminders. Roles are configurable for both in-house and BPO access.
Intelligent collections campaigns
Coming soon: Create omnichannel, cohort-specific rules defining comms timing and frequency. For phone, Peach can export customer information to the dialer system of your choosing. As calls are made, results sync back to Peach, giving you a full picture for each borrower. You’ll get a full data analytics view, and results will also be visible within your agent tooling.
Omnichannel communications
Within the Peach CRM, you’ll find support for a wide variety of communications channels in both automated and manual fashion, including phone, email, SMS, two-way texting, chat and direct mail.
Peach also provides templated and configurable cases, workflows and communications, so you can streamline agent efficiency, enforce consistent application of your policies and ensure compliance with applicable laws.
Payment processing
Peach supports payments through the Borrower Portal, or you can post them via API. We support payments via the automated clearing house (ACH) system, debit cards and credit cards, in line with applicable laws and industry standards.
ACH
Credit card
Debit card
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.
Service however you’d like
We’ll provide all necessary training, whether you keep loan servicing in-house or outsource it—or a combination of both.