Centrex Software is a platform for lending businesses: a CRM, loan and merchant cash advance (MCA) servicing, syndication, portals and a white-label mobile app, sold as one system with modules you add on. If you work in MCA, you've probably heard the name from a funder, a broker or a job listing. If you're evaluating it, the site doesn't make it easy to see what's included or what it costs.
This explainer pulls together what Centrex publishes on its own site and help center, checked October 24, 2026: what it is, the main modules, how billing works, the paid add-ons, and who it fits. If you're a broker shop rather than a funder, the one we'd look at first is Ferrylend, a broker-side CRM with published per-user prices; we explain where it fits further down.
Here's the TLDR (checked October 24, 2026):
- Ferrylend (our pick for broker shops): a web CRM for MCA and business-funding brokers at $69 or $99 per user per month, with lender matching, submissions, offers, commissions and renewals on one deal record. It's newer, so it has no independent reviews yet, and it doesn't do the servicing, ACH or syndication Centrex is known for.
- What it is: a white-label fintech suite from a Costa Mesa, California company operating "Since 2015". You license the CRM and add modules ("enhancements") on top.
- Who it's for: MCA brokers, MCA funders and syndicates, plus business loan, mortgage, SBA, equipment-leasing and invoice-factoring companies.
- Pricing: not published. Billed monthly per user who logged in, with an account minimum set in your agreement and add-ons billed separately.
- Best fit: funders and hybrid shops that want servicing, ACH, syndication and branded portals from one vendor.
- Weak spots: no public price list, no trial, many integrations sold one by one, and data export on exit only after final payment and a signed cancellation form.
Centrex at a glance
| Question | Answer (October 24, 2026) |
|---|---|
| Company | Centrex Software, Costa Mesa, CA; "Since 2015" |
| Product type | CRM plus loan origination, MCA and loan servicing, syndication, portals, mobile app |
| Customers | MCA brokers, funders and syndicates; loan, mortgage, SBA, equipment and factoring companies |
| Price | Not published; demo request |
| Billing | Monthly in arrears, per user who logged in the prior month; agreement minimum |
| Add-ons | Monthly "enhancement" fees, priced by sales |
| Free trial | No |
| E-sign | ClixSign, its own tool |
| Mobile | White-label iOS and Android app for merchants |
| Security | AES-256 at rest, TLS in transit; SOC 2 attributed to its data center |
What Centrex Software includes
Centrex's MCA CRM page names three audiences: "MCA Brokers, MCA Funders, and MCA Syndicates". The product is organized around those three.
CRM and broker tools
- Pipelines: multiple pipelines, custom lists and permission-based security.
- Lender matchmaking: per-lender criteria, typically 7 to 10 data points such as time in business, revenue, entity type, industry, state and credit score. Lenders that match 100% show in green, and lender performance is tracked (lender matchmaking page).
- Submissions: package merchant documents and data and submit to multiple lenders in one click, by email templates or, for lenders that build against it, the Centrex Lender Submission API.
- Commissions: tracking for one-time and recurring commissions.
- Marketing: email and text campaigns, open tracking and drips, with SMS sent through your own Twilio account.
- ClixSign: Centrex's own e-sign tool with certificates and time stamps; Spanish-language signing was added in May 2026.
- MCA servicing: a factor-rate calculator that sets RTR and payments, CC split or ACH programs, and daily, weekly, bi-weekly or semi-monthly drafts, with New, Renewal and Add-On advance types (servicing page).
- ACH: four daily transaction status updates, auto NSF (with an optional fee that defaults to $35), drafts that stop on certain return codes, and a monthly 60-day return-rate report. Processors named include Cuttlefish, ACH Works, Actum, Authorize.net and NMI, plus EFT Canada. Batches run at 2:30 PM CST, which can't be changed.
- Loan servicing: rule-based amortization, with a loan module added in March 2026 for automatic repayment schedules.
- Syndication: syndicate management and portal, daily syndicate emails, Exhibit A's sent for e-sign, auto or manual batch ACH payouts and an optional waterfall (syndication page).
- Fund management: investor wallets through Cuttlefish Payments, where investors can deposit and withdraw, plus a Supervest integration for syndicate capital.
Portals, app and data
- Client portal: white-labeled down to the URL; clients upload documents, sign, and see tasks, payments and balances.
- ISO and broker portal: ISOs submit new deals, with multi-company assignment and custom branding.
- Mobile app: a white-label iOS and Android app where merchants link bank accounts through Plaid, upload documents and request payoffs. Plaid currently works only inside the app.
- Managed Data Cloud: your data synced to Snowflake every 15 minutes for Tableau or Google Data Studio. It starts with a separate proposal, and report building is a paid consulting extra.
- API: endpoints for lenders, contacts, transactions, documents, loans, advances and ClixSign, with an "API v2 Beta" added in June 2026.
Centrex's integrations page lists phone systems (Ytel, Blue Rock, Five9, VICIdial, RingCentral), credit (MeridianLink, iSoftPull, Xactus, TransUnion), bank data (Plaid, DecisionLogic), Gmail and Microsoft 365 email, Twilio, Zapier, Microsoft Entra SSO, Snowflake and Spinify. It publishes monthly release notes; the latest we found were from August 2026.
How Centrex pricing works
There's no price list for the CRM or any module, and no pricing page; every product page leads to "Request a Demo". What Centrex does publish is a billing policy, and it tells you how you'll pay:
- Billing is monthly in arrears, with invoices in the first five days of the month.
- "The account will be charged for every user that has logged into the system at least once for the prior month."
- If no one logs in, you pay "the minimum amount per agreement". The minimum isn't published.
- Add-ons are monthly enhancement fees. To cancel one, ask by the 5th or pay the full month; they aren't prorated.
- On cancellation you get a prorated final invoice, and "Data will be exported to you once we have received your final payment and the signed cancellation form."
Paid add-ons
Centrex's help center describes many integrations as separately sold enhancements or add-ons, each needing a sales contact: MeridianLink, TransUnion, CBC and Trusted Credit File credit enhancements, IP whitelisting, multi-company management, the phone system add-on (VICIdial, Ytel, Bluerock, Five9), sales scripts, and Microsoft Entra SSO. Custom document builds are priced by sales. SMS costs come from your own Twilio account; Centrex's help center gives an example of about $160 to send a four-segment message to 1,000 contacts at $0.04 per segment.
The only outside estimate we found comes from a competitor: Cloudsquare published a "Centrex pricing" article in April 2026 claiming "$25 to $100 per user per month", citing software evaluators and user reviews. Centrex itself publishes no such figure, so treat it as a rough range and get a written quote. Our MCA CRM pricing comparison puts Centrex next to vendors that do publish prices.
Who Centrex fits
- Funders and hybrid shops that want CRM, ACH servicing, syndicate payouts (including waterfall), investor wallets and portals from one vendor, and are comfortable buying modules one at a time.
- Brands that want to be everywhere: a white-label client portal and URL, an ISO portal and a white-label merchant app.
- Data-heavy shops with someone who writes SQL, or budget for Centrex consulting, who want their data in Snowflake.
- Multi-product lenders servicing both advances and loans in one system.
Who it doesn't fit
- Buyers who want a price before a call. There's no public price, trial or self-serve signup.
- Shops that want to plug in tools themselves. Integrations are enabled by Centrex's team, often as paid enhancements.
- Brokers who want lender APIs out of the box. API submissions only work with lenders that integrate Centrex's API; OnDeck is the one direct lender API named, and it's documented for business loans.
- Funders who need custom batch times. ACH batches run at a fixed 2:30 PM CST.
One more thing to check on a demo: some help-center articles limit ACH Works, DecisionLogic and the OnDeck API to the "Business Loans file type only". If you fund MCA, confirm those work on advances. And Centrex's security page attributes its SOC 2 compliance to its data center, ServerCentral, rather than to Centrex itself.
Where Ferrylend fits
Ferrylend covers the broker half of what Centrex does: lead import, a merchant application link, bank statement figures, rule-based lender matching with a reason for every pass or fail, multi-lender submissions with a proof-of-submission PDF, offer comparison, commissions and renewals. It publishes its prices: Core is $69 and Pro $99 per user per month, month to month with no seat minimum, and the $999 setup fee is waived for workspaces created through December 31, 2026. There's no free trial; the sample-data demo needs no signup and asks for a work email to start.
It is not a Centrex replacement for funders. It doesn't debit merchants, run ACH or keep a syndication ledger, and it has no ISO portal or merchant app. Ferrylend is newer, so it has no independent reviews yet, and its dialer, SMS, bank connect and lender API connectors are listed as coming soon, not live. If you fund deals or pay syndicators, Centrex or another funder platform is the better fit.
Centrex compared
Funders usually shortlist Centrex next to LendSaaS and Onyx IQ; we compare them in Centrex vs LendSaaS and Onyx IQ vs Centrex, and in our merchant cash advance software roundup. Brokers comparing CRMs should start with Ferrylend, then see our best MCA CRM list, and anyone looking to switch can start with our Centrex Software alternatives.
FAQ
What is Centrex Software used for?
Running a lending business: managing leads and deals, submitting to lenders, servicing MCA advances and loans by ACH, paying syndicators, and giving merchants and ISOs branded portals. Its main customers are MCA brokers, funders and syndicates.
How much does Centrex Software cost?
Centrex doesn't publish prices as of October 24, 2026. You're billed monthly for each user who logged in the prior month, with an account minimum set in your agreement and add-ons billed as monthly enhancements.
Does Centrex have a free trial?
No. The site offers a demo request only, with no trial or self-serve signup.
Is Centrex only for merchant cash advance?
No. It's sold to business loan, mortgage, SBA, equipment-leasing and invoice-factoring companies as well, and it services loans as well as advances.
How do I get my data out of Centrex?
Per its billing policy, Centrex exports your data after it receives your final payment and a signed cancellation form.
In short, Centrex is a deep, modular suite for funders and hybrid shops; go in with a list of the modules you need and get every enhancement priced in writing.
Disclosure: Ferrylend is made by Digital Mundo, a separate company with the same owner as Gold Penguin. We rank it first, and we've kept its drawbacks in plain view.
