Lending licenses in all 50 states. Handled for you.
Brico helps lenders manage credit, servicing, collections, brokering and earned wage access licenses across all 50 states. Our platform combines automation, expert support, and built-in compliance workflows to streamline applications, reduce regulatory risk, and eliminate the need for spreadsheets or billable hours.
Why licensing slows lenders down.
Each state has its own license requirements for credit, collections, servicing, brokering and earned wage access, not to mention different forms and deadlines. Without automation, manual processes lead to hidden costs, delays, and overwhelmed compliance teams.
Inconsistent state requirements
Every state asks for different documents, requirements, or renewal timelines. Managing multi-state licenses manually turns into an error-prone maze that slows go-to-market speed.
Lack of transparency creates bottlenecks
Legal and compliance teams waste time chasing paperwork, coordinating vendors, and tracking updates across spreadsheets— instead of focusing on audits, growth, or strategy.
Complexity leads to compliance fatigue
Quarterly reports, annual renewals, advance change notices and surety bond updates are an ongoing burden— with requirements constantly changing.
Guided by an experienced licensing practitioner who handles your lending licensing program.
Keep ownership of your program while still having expert support. Every Brico customer gets a dedicated licensing expert who knows your business and anticipates what regulators will ask before they ask it.
Our platform centralizes license tracking and streamlines reporting, while our licensing experts keep you compliant, with no law firm required.
Licensing strategy
How to prioritize license applications based on your particular GTM strategy.
Applications
Your business plan, NMLS and non-NMLS forms and other supporting documents, prepared and submitted.
Regulator back-and-forth
We triage deficiencies and coach you through regulator follow-up questions so your team doesn't have to guess.
Renewals and reporting
Renewals, annual reports, and state-specific filings prepared and filed on time.
Changes and big moments
New products, new states, branches, control changes, and volume thresholds that trigger advanced change notices or surety bond step-ups.
Stay ready
A clean, complete record organized the way state examiners expect.
See exactly where every license stands.
All of your licensing information in one place: status, deadlines, filings and documents.
Status in every state
Every license, application and filing, with where it stands today.
Deadline calendaring
Renewals, reports and rule changes surfaced ahead of time, not after.
One record, always current
Documents and filings in one place, ready for the next exam or audit.
Brico customers are building the future of finance.
In the era of lean operations and cost cutting, Brico was pivotal in propelling a critical business initiative forward, providing unwavering responsive support to overcome any issues. Brico’s product provided leverage to the legal team and helped us to move forward quickly. Brico has become an invaluable partner in our journey.
Teresa Bruce
Senior Paralegal,
iBusiness Funding (f/k/a Funding Circle)
Get licensed in your next state. Faster.
Brico's licensing experts manage your lending licenses in all 50 states, from applications to renewals, reporting, and surety bonds.