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CarletonGRAPEVINE, Texas. (August 13, 2014) — defi SOLUTIONS, the developer of an industry leading cloud-based Loan Origination System (LOS), announced it has integrated Carleton SmartCalcs into its platform. defi SOLUTIONS customers will be able to access Carleton’s 40+ years of compliance expertise to assure federal and state lending interest, fees and the annual percentage rate maximums are not exceeded. From within the defi system, SmartCalcs automatically validates the loan disclosure items against state usury laws and federal TIL assuring clients compliance. Carleton will also keep defi clients up-to-date with all regulatory compliance requirements on an ongoing basis.

“defi SOLUTIONS shares our same objective of providing customers with a comprehensive set of validation tools that allow them to focus on their business and customer relationships instead of managing the complex federal and state compliance requirements.” said Pat Ruszkowski, president and CEO of Carleton.

With defi SOLUTIONS, clients have the ability to coordinate the lending process from end-to-end (the online application to decision to verification and then to underwriting). defi’s program increases efficiency by minimizing manual processes. defi SOLUTIONS created an LOS that meets the complex requirements of large institutions but is also quick to deploy, scalable and affordable for the general auto financing industry.

“Integration with Carleton will give defi clients the ability to more easily comply with federal and state lending regulations from within their LOS,” said Stephanie Alsbrooks, CEO of defi SOLUTIONS. “Our clients will also be able to validate against in-house defined underwriting lending requirements which further extends our goal of offering the most flexible and configurable LOS on the market.”

About Carleton
Carleton is the leading provider of compliant lending and leasing calculation software and document preparation software serving the financial and auto industry. Founded on compliance expertise at a federal and state level, their client list has grown to include most of the major lenders, credit insurance companies and loan origination software providers in the United States. For more information, visit

About defi SOLUTIONS
defi SOLUTIONS provides an industry leading, browser-based Loan Origination System (LOS) that is completely configurable and easy to implement. The defi system allows auto lenders the flexibility to manage the application lifecycle from a single, flexible, SaaS platform. The defi LOS is affordable, scalable and easily accessible from mobile devices. Click here to schedule a date and time to demo the defi SOLUTIONS LOS.

Media Inquiries: Kristin Herring | 214.673.6364 |

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defi SOLUTIONS provides configurable loan origination systems, loan management and servicing, analytics and reporting, and a wide range of technology-enabled BPO services. If you’re struggling with the limitations of your current lending technology solutions, take the first step in realizing the benefits of modern technology. Contact our team today or register for a demo.

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