Empowering access to
short-term liquidity.

Provide fast, flexible, and responsible liquidity right when your customers need it most.

Supporting smarter liquidity for today’s consumers

Build trust and financial resilience for your account holders with modern, responsible overdraft management and short-term lending tools.

Built for the evolving financial needs of your customers

The Consumer Liquidity Engine™ empowers your institution to offer personalized, compliant access to short-term liquidity. Whether through dynamic overdraft limits or on-demand microloans, your customers gain the tools to navigate financial challenges with confidence.

 

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Safe and secure lending

Deliver fully automated, small-dollar loans through a digital-first experience that’s fast, affordable, and easy to manage. With tools like CashPlease®, your institution can provide responsible liquidity without the delays, paperwork, or risks of traditional payday lending.

Expand lending access

Data-driven limits that reduce risk

The Intelligent Limit System® leverages advanced algorithms to assign personalized overdraft limits based on each customer’s ability to repay. This approach reduces institutional risk while offering consumers clear, predictable, and transparent support.

Rethink overdraft management

Broaden lending access with real-world data

Expand access to short-term liquidity with a modern credit evaluation approach that considers account behavior and ability to repay. Powered by VelocityScore™, this data-driven model supports fairer, more inclusive lending decisions across your customer base.

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Empower consumers with informed choices

Help customers make informed decisions about overdraft protection with clear communication, education, and transparent disclosures. Backed by Reg. E Management, this feature ensures your institution remains compliant while reinforcing trust and accountability at every step.

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What I enjoy most…is the people we work with. I know that I can count on them to do everything to help our bank succeed and that they’ll always be there for us.

Toni Lucky
Legend Bank
Chief Retail Officer

I’ve been here a long time, and to see such immediate results with each additional Velocity product we add is amazing.

Carolyn Jordan
Neighborhood Credit Union
Chief Growth Officer

With Velocity’s help, we’ve transformed our digital approach and had such positive feedback from our members, which is so rewarding.

Carolyn Jordan
Neighborhood Credit Union
Chief Growth Officer
White Paper

Is Your Overdraft Program a Black Box?

If your examiners asked, could you explain your overdraft limits?

Read now

Frequently Asked Questions

The Consumer Liquidity Engine™ is a comprehensive solution that enables financial institutions to provide short-term liquidity in a digital, compliant, and consumer-friendly way. It includes tools like automated small-dollar loans, personalized overdraft limits, and alternative credit scoring to expand access, reduce risk, and promote financial wellness.

  • CashPlease®: automated small-dollar, short-term lending
  • Intelligent Limit System®: overdraft management with personalized, dynamic overdraft limits
  • Reg. E Management: account holder communication and education on Reg E
  • VelocityScore™: modern credit evaluation for fairer, more accessible lending

The Consumer Liquidity Engine uses behavioral analytics in tandem with an account holder’s financial data to dynamically calculate the account holder’s ability to repay. This limit is shared between the Intelligent Limit System and CashPlease, providing a single pool of liquidity the user can draw from.

CashPlease® delivers funds digitally within 24 hours of approval, providing customers with quick relief during short-term cash flow challenges. The process is fully automated, with clear terms, transparent fees, and no need for manual intervention.

Yes, this solution is designed for seamless integration into your institution’s existing core systems and workflows. This minimizes disruption, reduces implementation time, and ensures your team can deliver new liquidity services without overhauling current operations.

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Are you looking for the edge to outperform the competition? CSI is a full-service technology and compliance partner.

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