Autobooks Acquires MinuteLender
A complete small business solution connecting payments, accounting, and lending.
Autobooks Has Acquired
Allied Payments
Strengthening the All‑in‑One Small Business Platform
With the addition of business bill pay, Autobooks now delivers a complete solution for small business receivables, payables, accounting, and cash flow — directly inside digital banking.
Lending is now part of Autobooks.
Autobooks has acquired MinuteLender, a lending technology provider trusted by financial institutions nationwide. The acquisition adds small business and consumer lending to the Autobooks solution, giving financial institutions one provider for payments, accounting, and credit. MinuteLender is available as a standalone solution today, with deeper digital banking integration on the roadmap.
Give your customers a faster path to credit
Business customers can apply for working capital right where they already bank. Applications auto-fill from existing data, so the process takes minutes, not days.
Say yes to small-dollar loans without the overhead
A $25,000 loan shouldn’t cost as much to process as a $200,000 commercial loan. MinuteLender makes smaller loans economically viable.
Keep loans on your
balance sheet
Your institution owns the credit relationship. Autobooks provides the technology to originate, underwrite, and fund loans faster.
Technology that
works for you
Your team sets the credit criteria. MinuteLender handles origination, underwriting, docs, and funding with minimal manual effort.
How it works
Digital loan applications
Customers apply online with data that auto-fills from their existing account. The process is fast, secure, and simple enough to complete in minutes.
Automated or lender-assisted underwriting
Your institution sets the credit criteria. MinuteLender runs the decision, generates documentation, and handles adverse action. Your team stays in control without doing the heavy lifting.
Same- or next-day funding
From application to funding with minimal manual steps. Loan proceeds go directly to the borrower’s account, with clean boarding back to your core system.
Loan monitoring, renewals, and modifications
Real-time visibility into your loan portfolio. Renewals and modifications are built into the same workflow, so your team isn’t managing them manually.
Available today, with digital
banking integration on the way
MinuteLender is available now as a standalone lending solution. Once integrated within Autobooks, financial institutions will be able to offer a connected lending experience inside digital banking.
Delivering a connected experience
Autobooks already helps more than 2,000 banks and credit unions deliver invoicing, payments, bill pay, and accounting to their small business customers. With lending now part of the solution, financial institutions can offer a connected experience where the data from everyday transactions helps inform smarter credit decisions.
That’s the future of small business banking. This acquisition moves it forward.
Common questions
Who owns the loans? Is this balance sheet lending?
Who owns the loans? Is this balance sheet lending?
Yes. Your financial institution owns the loans. Autobooks provides the technology to originate, underwrite, and fund them faster, but the credit relationship stays with you.
What types of loans does MinuteLender support?
What types of loans does MinuteLender support?
MinuteLender supports both small business and consumer loan origination. It is designed for smaller-dollar, faster-turn lending, the kinds of loans that are often uneconomical to process through standard commercial workflows. Financial institutions configure the loan types, amounts, and credit criteria that fit their program.
Do we keep control of our credit policy and underwriting criteria?
Do we keep control of our credit policy and underwriting criteria?
Yes. Financial institutions set the credit criteria and configure the decisioning rules. MinuteLender automates the process within those parameters. Your team can choose automated decisioning, lender-assisted review, or a combination of both depending on the loan type.
We already have a loan origination system. How does MinuteLender fit?
We already have a loan origination system. How does MinuteLender fit?
MinuteLender is built for fast, low-touch lending decisions on smaller loans. Most enterprise LOS systems can technically handle these loans, but they were designed for larger, more complex credits and often create disproportionate overhead for small-dollar origination. MinuteLender handles that volume efficiently, freeing your existing LOS and lending team for the work that actually requires them.
Is this available now, or is the digital banking integration still coming?
Is this available now, or is the digital banking integration still coming?
MinuteLender is available today as a standalone lending solution, independent of your digital banking provider. The integration within Autobooks digital banking is on the roadmap. Financial institutions that want to get started now don’t need to wait for the integrated experience to be ready.
What does getting started look like?
What does getting started look like?
The first step is a conversation with our team. We’ll walk you through how MinuteLender works, how other financial institutions have configured it, and what implementation looks like for your institution. Use the link below to schedule time with us.
See what this means for your institution.
Whether you’re a current MinuteLender client, an Autobooks partner, or exploring small business or consumer lending options for the first time, we’d like to show you what’s possible.