Partner Directory

We are fortunate that some of the top lenders, debt protection providers, and loan origination service providers in the country have chosen to partner with Sherman & Associates, realizing a synergy from our combination. Below is a partial list (sorted alphabetically) of our partners that currently use our calculation engine.

  • Applied Data Finance LogoApplied Data Finance (ADF) is a fast growing online consumer lender. The company's mission is to help deserving people borrow at a reasonable rate – even if they don't qualify for a bank loan. ADF's founders knew the challenge wasn't risky customers. It was going beyond the limited data and old methods most lenders use to measure risk. ADF discovered how, through advanced data science and proprietary credit analysis. The result is a superior loan product with billion-dollar market potential. ADF’s first consumer brand, Personify Financial, extends credit at responsible, risk-appropriate rates. Fair, transparent, and easy to understand loans. Mission accomplished.

    “Given that compliance is one of our primary objectives, we wanted to align ourselves with a vendor that has a solid reputation in the industry and also trusted by major banks in the USA, to validate our calculations during and after loan origination.”

    - Krishnan Vijayaraghavan, VP Engineering

    We are very pleased to welcome ADF to our family of SCEX partners, all of whom rely on Sherman & Associates for our calculation and compliance expertise, coupled with outstanding support. It's what we do, it's all that we do, and we believe we do it better than any other company.

  • Founded in 1980, ARGO Data Resources is the premier source of technology-based solutions for America’s financial institutions. Over 30,000 financial centers rely on ARGO for their branch banking, payments, consumer, and commercial lending origination and processing needs. With unmatched configuration, implementation, and ongoing user support, ARGO’s solutions are an industry workhorse, processing over 50 million transactions daily. Its best-in-breed products and solutions include transaction and loan processing, automated loan decisioning, analytical science tools, eLearning, check imaging, workflow management, teller automation, and sales and service support. Some of the lending accounts in which ARGO has installed the SCEX include Arvest, Associated Bank, JPM Chase, Carmax, and Colonial Bancorp.

    “ARGO maintains relationships with many technology partners to deliver and maintain world-class enterprise systems for tier one financial institutions in the US. Our partnership with Sherman & Associates is among the tightest and most valued of these relationships. SAI supports our client’s needs for regulatory compliant calculations for vastly differing payment structures, products, and lines of business, including direct consumer, business, commercial, and student & specialty lending. The service and support we receive from SAI is outstanding, which makes ARGO and Sherman premier providers to the nation’s best and largest financial institutions.”

    - Ted Martin, Vice President

    We consider our partnership with ARGO to be one of our most valued relationships. Through ARGO, we have acquired some of our largest lending institutions relying on the SCEX.

  • The Cash 1 team consists of over 200 specialized and highly trained employees based in Reno Nevada with 21 branches located in Arizona, Nevada, and Washington as well as a rapidly expanding online presence. Established in 1997, Cash 1 has provided hassle free loans to those underserved by traditional banks and other lenders. Their mission is to offer their customers a first-class experience that surpasses their competitors in every way. Cash 1 focuses on the financial needs of customers in the community by offering Title Loans, Smart Loans, Check Cashing, Money Orders, and of course, great customer service. They strive to provide positive alternative lending solutions in the communities they serve.

    “Here at Cash 1, we have found our new partnership with Sherman & Associates to be nothing short of terrific. From the initial conversations, the folks at Sherman & Associates ensured a smooth transition to implementation of their SCEX product. More than willing to assist with our unique needs, they came through with the necessary customizations to ensure we met our regulatory deadlines in rapid fashion, which not only assured a great time savings in our own development, but also a relief in the burden of compliance. We look forward to continuing our relationship with Sherman & Associates as we further grow our product lines.”

    - Don Bills, VP Systems Development

    We appreciate Don's comments and are excited to work with companies serving the underbanked market. Sherman & Associates continues to display adaptability as our expertise in lending calculations is applied in new lending markets. Loan and payment protection calculations are our special niche in the lending market. It's what we do. It's all that we do, and we believe we do it better than any other company.

  • Cash Time Loan Centers has been serving Arizona with Cash Loans since 1997, and is locally owned and operated with headquarters in Phoenix, Arizona. Cash Time is the industry leader for fast and easy cash loans specializing in both Auto Title Loans and Personal Loans that are secured by your motor vehicle. Cash Time provides a wide variety of loan solutions such as Car Title Loans, Truck Title Loans, Motorcycle Title Loans and Personal Loans. Bad credit or no credit won’t be a problem for getting a fast and easy cash loan from Cash Time. Title Loan amounts can range from as low as $100 to as much as $100,000 based on the application and vehicle value.

    At Cash Time we take pride in providing accurate and transparent disclosures to our customers. We know that our payment calculations and APR disclosures are very accurate, and in compliance with all state and federal regulations. We are confident that any regulatory changes or modifications will be quickly and accurately updated in the SCEX engine by the team at Sherman & Associates.”

    - Dan Wilkinson, Director of Operations

    Relating to Dan's comments, a recent article on our website points out the more precise requirements that title and payday lenders have to satisfy, in order to be compliant with Regulation Z. Cash Time chose Sherman & Associates to assure that these requirements continue to be met.

  • Compliance Systems, Inc. (CSi) is a provider of best-in-class financial transaction technology and expertise that allows financial institutions across the United States to compliantly document financial transactions. CSi solutions include Deposit, Consumer (including Home Equity) and Commercial Lending, Mortgage Lending, Individual Retirement Accounts, and Health Savings Accounts lines of business. CSi specializes in analyzing the data around these transactions resulting in documentation that mitigates risks thus allowing institutions to better target resources on activities that help their bottom line.

    “While preparing a solution to support the TILA RESPA Integrated Disclosure Rule, CSi sought input from our partners and clients as to the best loan calculation engine in the industry. After researching many options, CSi chose Sherman and Associates not only for the quality of their calculation engine but also because of their approach to partnering and client support. CSi is excited about the partnership and looks forward to the continued success of the solution.”

    - Chris Appie, Vice President and Counsel

    We are very pleased to welcome CSi to our family of SCEX partners, and especially pleased that we were recommended to CSi by our partners and clients. It shows also that the twin virtues of the finest calculation functionality and the superior support provided to our partners continue to be a winning combination.

  • The Appro division of CRIF Lending Solutions is one of our oldest calculation engine partners, starting with the original SCE (which later became our current SCEX) in 2001. Back in 2001, Appro was seeking to eliminate the repeated time and expense of custom programming required for new accounts in the areas of credit insurance and the varying loan structures different clients required. After careful research, Appro determined Sherman & Associates to be their choice, and contracted to use our calculation engine.

    Appro no longer worries about obtaining specifications, talking with clients' insurance companies, and matching client numbers to the penny. We do all that for them, for a small setup fee, as we do for most of our SCEX partners. After thorough testing, and obtaining the necessary approvals, we email the client's setup files to Appro for inclusion in their system, saving Appro significant time and money.

  • Based in Omaha, Nebraska, CSO is a mutually owned insurance company specializing in the debt protection market. With over 75 years in the business, CSO is a leading provider of debt protection products in the United States. The CSO Family of Companies markets and administers debt cancellation programs and its product portfolio also includes Credit Life and Credit Disability Insurance. CSO’s long-standing mission has been to help people enhance their lives by offering quality products and services, thereby assisting people in minimizing their financial risk.

    “CSO is thrilled with the opportunity to partner with Sherman & Associates. There is no doubt Sherman & Associates is a leader in loan quotation software. By using Sherman’s proven methods within our new debt cancellation administration system, CSO will be in a position to provide our clients with an exceptional tool to allow for the efficient administration of debt cancellation business. We are anxious to begin demonstrating our new system to our client base.”

    - Jeff Wanning, CSO’s Senior Vice President of Operations

    Jeff's comments are much appreciated. CSO joins a large and growing list of Loan Origination Software (LOS) partners, including the major LOS providers across the consumer loan market, who have selected Sherman & Associates for our expertise in lending calculations, and for the support we provide.

  • Farm Credit LogoFarm Credit Mid-America, is an agricultural lending cooperative owned and controlled by Farm Credit customers. With more than 1,200 employees, Farm Credit serves nearly 100,000 customers throughout Indiana, Ohio, Kentucky, and Tennessee.

    “With the changing regulatory environment, we needed a partner that could reliably navigate the shifting landscape around consumer APR calculations without compromising on performance or accuracy. With Sherman’s proven track record and reputation, we felt confident the Sherman Calculation engine was the right choice. After a very successful launch, it is apparent that Sherman’s reputation as an industry leader is well deserved.”

    - Wood Young, Enterprise Software Architect

  • FIS, formerly Fidelity National Information Services, provides their FIS Loan Origination (FLO) service to a wide range of domestic banks and thrifts seeking automation to originate commercial and consumer loans. FLO is a browser based solution that provides a wide range of LOS functionality including warranted document selection, flexible IntelleDoc technology, and 3rd party interfaces, all coupled with seamless core integration.

    “SCEX provides us with a single calculation engine to support complex repayments for Commercial, Consumer and Mortgage Loans. This includes skip payments, irregular payments, and construction to permanent loans all available with insurance protections our customers demand. Sherman's support and assistance are world class. Integration and deployment was seamless.”

    - Ronny Chapman, FLO Product Manager

  • Fiserv Lending Solutions, a unit of global financial software and services provider Fiserv, Inc., became a partner in 2005. Their products include easyLENDER loan origination software, an industry-leading family of software solutions that automates every aspect of mortgage, home-equity, consumer, and commercial lending for hundreds of banks, thrifts, and credit unions nationwide.

    Fiserv needed a robust calculation engine that could handle all of its clients’ needs for payment and credit insurance calculations and a solution that is backed by responsive and knowledgeable technical support. Fiserv selected us because of the unmatched power of the SCEX and our long-standing reputation for providing excellent support. As we do for other partners, we manage the setting up of all loan and insurance parameters, and sending the setup files to Fiserv for incorporation into easyLENDER.

  • Healthcare Finance Direct offers patient finance solutions to medical practices nationwide. HFD's software and service allows for credit evaluations, payment recommendations and automatically generated loan terms and paperwork within the medical office.

    “HFD is thrilled with the opportunity to partner with Sherman & Associates. We shopped around and found the best value with Sherman and Associates. Had we found them first we would have saved a lot of time and effort, no doubt this was the right decision for HFD. By using Sherman’s proven methods within our on-line lending portal and our online administration system, HFD is now in a position to provide our Doctors and Patients an exceptional tool for the efficient administration of patient finance.”

    - Tessa Blankenship, Vice President of Technology Services

  • Intercontinental Warranty Services, Inc. (IWS) has served the credit union market for over a decade by providing Vehicle Service Agreements (VSA), Mechanical Breakdown Insurance (MBI), and GAP programs integrated into the auto lending process. IWS wanted to be able to also provide loan quotations and disclosures with credit insurance and/or debt protection for all their clients, and have integrated the SCEX into their system to provide this capability.

  • Jack Henry has relied on the SCEX for the calculation needs in their ArgoKeys system for several years. ArgoKeys™ allows bank lenders to complete the entire loan process online – from product presentation, loan origination, application tracking, calculations and insurance, loan underwriting, and credit bureau checks – to document preparation, closing and booking. ArgoKeys™ includes consumer direct, consumer indirect, business lending and basic mortgage lending. This execution-ready, enterprise-wide solution is based on proven best-of-breed technology and is fully integrated with Jack Henry’s SilverLake System® core processing solution. The entire lending process is streamlined, taking what has traditionally been a manual process and automating it into a single system. This greatly reduces the amount of time it takes to process a loan and reduces potential errors at every step in the lending process.

    The following comment summarizes very well our contribution to their excellent product:

    “The Sherman Calculation engine is fully integrated into our solution – providing all of the Lending Calculations and accommodating all of the requirements for Credit Life and A&H Insurance. This affords us the ability to leverage Sherman’s expertise and capabilities in our solution and ultimately provide a comprehensive offering to our customers.”

    - Jeff Smith, Installation and Support Manager for ArgoKeys

  • KeyCorp is one of the largest financial services companies, with assets of $97 Billion and over 1,000 full service offices across fourteen states. KeyCorp has been a valued customer of Sherman and Associates since 1995. KeyCorp currently employs the SCEX as their enterprise loan calculation engine. The engine handles all consumer loans, equity lines of credit, student loans, and indirect loans, with or without debt protection.

  • Mastercard LogoMastercard (NYSE: MA),, is a technology company in the global payments industry. The company operates the world’s fastest payments processing network, connecting consumers, financial institutions, merchants, governments and businesses in more than 210 countries and territories. Mastercard products and solutions make everyday commerce activities – such as shopping, traveling, running a business and managing finances – easier, more secure and more efficient for everyone.

    Mastercard has recently added to its network capabilities a suite of on behalf services that facilitate its customers offering instalment loans on existing cards.

    “We were looking for a calculation engine that we could seamlessly integrate within our digitally enabled services, that would support any APR calculation formula in the world, and provide extreme flexibility to our customers to tailor their pricing configurations. On top of total accuracy and regulatory compliance, we also required superior speed and massive capacity, so that real-time calculations would not slow down at all authorizations. The Sherman Calculation engine met these requirements, and the support provided by the Sherman team greatly facilitated the integration.”

    - Dominique Steenbeek, Director - Global Lead Instalment Payment Services, Mastercard

    We could not be more pleased that Mastercard has chosen the SCEX to be the calculation heart of this new product. Bringing the SCEX to the international marketplace is something we’ve had on our radar for years. Mastercard Instalment Payments Services are the perfect vehicle to make this vision a reality.

  • Misys LogoMisys provides the broadest, deepest portfolio of financial services software on the market. The company's vision is to transform the global financial services industry by making financial institutions more resilient, more efficient and more competitive. Their solutions cover retail and corporate banking, lending, treasury, capital markets, investment management and enterprise risk. With more than 2,000 customers across 130 countries, their team of domain experts and partners has an unparalleled ability to address industry requirements at both a global and local level.

    “Misys selected Sherman as our calculation engine because it supported a wide range of scenarios in addition to commercial calculations, such as consumer, insurance, mortgage, and high-priced mortgage calculations.”

    - Michael Sperger, Regional Partner Director, Americas

    We are extremely pleased that Misys has chosen our SCEX as the calculation heart of their recent loan origination installations here in the United States, and are looking forward to many more in the future. Maintaining our SCEX at the highest level of functionality, and keeping up to date with federal compliance and state lending regulations is our primary function, and we will always strive to continue to be recognized as the best at what we do.

  • In 1996, Paccar Financial, the financial arm of one of the country’s major trucking companies, chose Sherman and Associates to provide the calculation engine for all their loan calculations, including credit life calculations covering all 50 states. We have since expanded the engine with leasing and other calculations, and Paccar continues to be an extremely satisfied user.

  • The Plateau Group, Inc. (PGI), an insurance and financial services company based in Crossville, Tennessee, has over 30 years of experience working with financial institutions to provide insurance solutions and services to their customers. PGI offers a full range of insurance products, plus debt protection and reinsurance programs from Maine to the Pacific Islands.

    “To help our customers achieve their sales goals, PGI has partnered with Sherman & Associates to provide insurance quotations via a customized eWinLoan installation. Sherman and Associates also works with our customers to ensure their core systems are setup to match the rates and calculations as necessary for each line of business. In addition, PGI uses SCEX for its unique sales and processing system - FourPoint™. SCEX gives FourPoint™ the flexibility to match any bank loan origination system. SCEX provides us the ability to accurately quote and disclose to our clients. We’re excited to have Sherman & Associates as a strategic partner.”

    - Dick Williams, President

    The Plateau Group is a key valued partner, employing our full range of services: consulting, eWinLoan, and our peerless calculation engine, the SCEX (used in their FourPoint system). We are very fortunate to have the Plateau Group as a partner.

  • Union Bank, with over $78 Billion in assets and 337 banking offices across four states, uses our Sherman Calculation Engine (SCEX) as the heart of their quick quote calculator available on the bank’s web site. Any of UB’s customers can access the calculator for sample consumer loan quotes. They also employ the SCEX to provide the correct loan calculations to their document preparation system, and our WinLoan-32 quotation software is networked throughout UB’s offices to provide loan quotations and disclosures.

    “We have been clients of Sherman and Associates for over 22 years and have been extremely pleased with their products and after sales service. We currently are using the online WinLoan-32 software Bank wide and the SCEX calculation engine. Use of these products allows for accurate and consistent loan payment quotes.”

    - Craig Carrington, Senior Vice President/Manager of Union Bank's CAM Credit Policy

  • U.S. Bancorp (NYSE: USB), with $321 billion in assets, is the parent company of U.S. Bank, the 5th largest commercial bank in the United States. The company operates 3,086 banking offices and 5,086 ATMs, and provides a comprehensive line of banking, brokerage, insurance, investment, mortgage, trust and payment services products to consumers, businesses and institutions.

    U.S. Bancorp uses our SCEX in their commercial loan center for computing and disclosing the complex loans structures that the commercial lending market requires.

  • Throughout the years, Wells Fargo has acquired, and continues to acquire, many different banks across the country. Because of frequent acquisitions, significant issues arose related to the different loan systems they’d acquired. In 2000 Wells Fargo, a Sherman and Associates customer since 1986, hired us to develop a custom calculation engine written in C code to operate as the heart of their Enterprise Loan System. Our engine handles their loan calculations, with or without insurance, for all their states. They no longer have problems when new banks are added to their extensive network.