Originate the loans. Skip the infrastructure.
Hold your own receivables without building the operations to manage them. We match originators and lenders to servicing platforms and custodial providers that handle billing, collections, customer service, and asset administration, so you can focus on origination and portfolio strategy.
You want to own the loans. Not the call center.
Self-originating consumer loans and holding them on your balance sheet is a sound strategy, until you realize what "holding" actually means operationally. Billing, ACH management, payment processing, hardship workflows, collections, regulatory reporting, complaint handling, custodial recordkeeping.
Building that in-house is a major commitment in technology, headcount, and regulatory obligations. Outsourcing to the right servicing platform gives you the economics of holding paper without the operational burden.
Two services. Often paired.
Servicing Platforms
Third-party servicers that run the full operational workflow on your behalf: billing, ACH, payment processing, customer service, hardship handling, charge-off management, and regulatory reporting. We match you to providers whose platform, asset-class expertise, and pricing fit the way your portfolio actually behaves.
Custodial Services
Third-party custodians that hold loan documents, manage chain-of-title, and provide the recordkeeping infrastructure required for institutional-quality portfolios. Often paired with servicing, sometimes standalone, especially for originators preparing portfolios for sale or securitization.
Servicing fit matters more than servicing price.
The wrong servicer is more expensive than a more expensive right servicer. We've seen originators sign with a low-cost servicer who couldn't handle their asset class's hardship patterns, watched delinquency balloon, and spent the next year unwinding.
The right match starts with the asset class, the volume profile, the typical loan size, the customer credit profile, and the originator's growth trajectory. We know which servicers work in which segments. You start from a shortlist rather than a search.
If you're small, let's have the conversation anyway.
Servicing platforms are built for scale, and the economics work best at volume. If you're originating a smaller number of loans each month, the standard providers may not be the right fit yet, but there are emerging servicers, regional providers, and stage-appropriate options that often work.
We'll be direct about what's realistic in the first conversation, and if the answer is "not yet," we'll tell you what the servicers will want to see before they say yes.
Loan servicing & custodial, answered.
What asset classes do the servicers in the network cover?
Consumer installment loans across the prime-to-subprime spectrum: healthcare and patient credit, home improvement and in-home services, retail and specialty POS, travel and leisure, education, auto, and other structured consumer receivables. If your asset class is unusual, we'll tell you in the first conversation whether it is worth asking the network, and how long finding out will take.
Can a servicer also handle custodial functions?
Some do, some don't. The pairing depends on what you need. For most originators holding paper, integrated servicing and custodial is cleaner. For originators preparing for securitization or institutional sale, a standalone custodian is often preferred for arm's-length recordkeeping. We match based on your end-state plan, not just current need.
What does Capital Sources charge for these introductions?
How we are paid. The lender compensates us. We charge the business no application, enrollment, processing or retainer fee, and we have not seen a lender charge one either; we work to keep it that way, but cannot promise it for every lender. If you ask whether the lender pays us, the answer is yes, and we confirm it in writing before any introduction is made. Consulting engagements are separate, fee-based, and agreed in writing before work begins.
How long does servicer onboarding take?
Servicer onboarding commonly runs 60 to 90 days from signed agreement, on the servicer's timeline: diligence, integration, file transfer and pilot run-up. Our sourcing and matching is the short end of that, often a matter of weeks.
Want to hold the loans without running the operations?
We'll tell you what a fit could look like, no obligation.