How We Serve Financial Services

Streamline Loan Origination, Servicing, and Payments

Today’s consumer is digital-first. They don’t respond to voice calls and emails—but they do respond to text. SBT delivers the benefits of an integrated, modernized platform with built-in compliance. Discover a few ways that SBT helps you streamline operations and deliver customer satisfaction and success.

Mobile Bill Pay

Digital Lending Growth

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Avg Open Rate of SMS

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SMS Preference

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Digital lending is expected to grow at a compound annual growth rate of 26.5% between 2023 and 2030.

The average open rate for an SMS campaign is 98% compared to 20% for email — 5x more effective than email.

Consumers prefer text messaging over phone calls. 


How SAFCO Tripled Their Right-Party Contact and Achieved 70% Kept Rate

Read how the Southern Finance Auto Company, LLC (SAFCO) updated their collections strategy with two-way texting, leading to phenomenal results.

A Flexible Solution Across The Enterprise

As consumer lending continues to shift from paper to digital, your loan servicing must stay ahead of the curve by adapting to consumer needs and preferences. To keep up with consumer demand, financial institutions are integrating SMS communication to enable account management for their customers.


Drive demand, save time and magnify your marketing efforts.

Loan Origination

Simplify and streamline the application process.

Account Servicing

Position your customers to obtain and pay invoices with ease.

Payment Processing

Increase on-time payments and kept rates.

What Our Customers Are Saying

‘We chose Solutions by Text for their compliance expertise with the opt-in process. They have helped us achieve a 70% kept rate—that’s 10% higher than our combined rate—across all contact channels. SBT is a leader in innovative methods of communication for collections.”

Daniel Baggett, SVP of Compliance & Loan Servicing

Daniel Baggett

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