Payday / Small Dollar Lender

Fast-track available: 30-60 days

Fast-Track Timeline
30-60 days
Standard Timeline
60-120 days
Our Service Fee
$1,500 - $4,500
Gov. Filing Fees
$200 - $5,000
Surety bond required. This license type requires a surety bond in most states. We handle bond procurement as part of your application — no separate broker needed.

About This License

Payday and small dollar lender licenses are required for businesses offering short-term, small-amount loans. Heavily regulated with strict net worth requirements, surety bonds, and rate/fee caps in many states.

What We Handle

Application preparation

Every form completed correctly. Our 97% first-submission approval rate means no correction delays.

Document assembly

We tell you exactly what documents are needed, then compile and organize everything for submission.

Regulatory filing

Submitted to the correct agency with correct fees. We know the specific requirements for every state.

Status tracking

You'll know where your application stands. We monitor progress and communicate updates proactively.

Deficiency response

If the state requests corrections or additional information, we handle the response immediately.

Surety bond procurement

We secure your required bond as part of the application process. No separate broker needed.

Covered in All 50 States

We file payday / small dollar lender applications in every U.S. state. Requirements, fees, and timelines vary by jurisdiction. Our specialists know the specific rules for each state, so you don't have to.

Need to be licensed in multiple states? That's where we add the most value. Multi-state filings are coordinated by a single specialist who tracks every deadline across all jurisdictions.

Get Your Payday / Small Dollar Lender Timeline

See your estimated processing time and cost for your specific state.

Get My Timeline