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DTI DebtTechIndex

Digital engagement

FinText

by Solutions by Text

Text-first communication and payment platform for consumer finance and ARM.

Official source reviewed US market: Confirmed or official US-relevant page Pricing: Not publicly stated unless the cited page says otherwise

Official product page: solutionsbytext.com · Last checked: October 5, 2026

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DebtTechIndex research snapshot

Recorded public facts, separated from buyer diligence. DebtTechIndex has not tested this product.

US-market record
Confirmed or official US-relevant page
Source review date
October 5, 2026
Pricing visibility
Not publicly stated unless the cited page says otherwise
Research status
Read against the eight questions this shelf asks; states four of them on its own pages.
Primary category
Digital engagement
Best-fit signals
Lenders · servicers

Source: solutionsbytext.com · Last checked: October 5, 2026

Company intelligence record

Company fields appear only where the official source supports them. Missing data stays explicit rather than inferred.

Location
Addison, TX
Coverage
United States.
Supported industries
Nonbank lending, banks, credit unions, auto finance, and accounts receivable management.
Operating model
Compliance-first text messaging platform for consumer finance, enabling two-way conversational messaging and seamless integrated payments for accounts receivable management.
Company history or scale
Founded 2008; secured $110M in growth financing in 2024; pioneer of FinText™ for the consumer finance industry.
Documented differentiator
Proprietary Deactivation Logic®, TextiQ™, and SmartURLs® ensure regulatory compliance while achieving 98% open rates and significant ROI for collections.

Company source: solutionsbytext.com · Last checked: October 5, 2026 · Recorded confidence: high

Customers named by Solutions by Text

1. PFC | USA: Achieved 147% growth in approved payment volume month-over-month using TextPay. 2. PayCourt: Reduced breakage of promise-to-pay plans by 20% through compliant text messaging. 3. Harris & Harris: Doubled self-service payments from 20% to over 40% and improved collections efficiency.

Evidence source: solutionsbytext.com · Last checked: October 12, 2026

Publicly stated capabilities

Retained from the official-source record. DebtTechIndex has not independently tested them.

SMS
RCS
integrated payments
consent controls
reporting
analytics

Questions to take into an RFI

  1. 01Which source-backed capabilities are active in the configuration you would evaluate?
  2. 02What operating, security, integration, and implementation assumptions should your team validate?
  3. 03Which buyer-fit statements apply to your organization, and which are the vendor's general market positioning?
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