800-248-3229 solutions@icbb.bank


Smart-Dollar, Short-term Consumer Loans


ICBB, in partnership with Velocity Solutions’ CashPlease® platform, allows community banks to provide their customers with easy access to cash at affordable interest rates, while staying compliant and dramatically increasing operational efficiencies over manual solutions.

CashPlease® is a turnkey, digital solution that automatically manages the application, processing, underwriting, and funding of each consumer loan.


Earn Revenue: CashPlease delivers a new revenue stream from consumers that would be spending high
fees to obtain credit elsewhere.

Stay Efficient: Fully automated program requires no additional support staff or loan officers.

Pass Off Underwriting: Loans are underwritten by Velocity’s proven proprietary underwriting technology, which
utilizes alternative data-a method encouraged by several regulatory agencies.

Stay Compliant: Compliant with all existing federal lending regulations, including the Military Lending Act.

Boost Retention: Provide your customers with loans that are affordable and responsible, increasing loyalty
and retention.

Integrate Easily: Integrates with your core and mobile banking via Single Sign On (SSO), and loans are
booked and funded to your core.

Stay Convenient: Velocity develops your white-label website with your colors and logo, so your customers can apply for a loan from anywhere 24/7– quickly, safely, and privately.

Pass Off Marketing: Velocity’s marketing team creates marketing materials to support your program at launch and throughout the life of the program, all branded for your bank.

Promote Responsibility: As a community bank, you have an important role to play in protecting consumers from predatory lending sources and to provide them with affordable and convenient access to cash.