APPLY

Get licensed.

New license applications for companies and entities. A state application is a project: it takes weeks to months, and every state wants something slightly different. Apply runs the whole program, from scoping to approval.

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WHAT APPLY COVERS

Every entity license a regulated company files for.

Mortgage Company →

Entity licenses for lenders, brokers, and servicers through NMLS, including the MU1 company filing and branch registrations.

Insurance Entity →

Agency and adjuster-firm entity licenses so the company is licensed everywhere its people work.

Lending →

Consumer and commercial lending licenses, state by state. Which states require one depends on the product; Payna maps it before filing.

Debt Collection →

Collection agency licenses, including the city-level regimes some states layer on top. Bonds and branch licenses handled alongside.

Money Transmitter →

State MTLs with their surety bonds, net worth requirements, and control person filings. The license map behind payments, wallets, and crypto on/off-ramps.

Crypto / VASP →

Virtual currency regimes where they exist, from the New York BitLicense to money transmission applied to digital assets.

States process in parallel when the work is sequenced properly. Payna keeps every application moving at once, so the expansion timeline is set by the slowest state, not by the sum of all of them.

HOW IT WORKS

Run as one program, not fifty separate projects.

[1]
Scope
Which licenses, which states, in what order. Payna maps the requirements state by state: bonds, net worth, control persons, fingerprints, business plans, financials. The whole program is visible before the first filing.
[2]
Prepare
One document collection, reused everywhere. Corporate records, financial statements, policies, and personal disclosures are gathered once and adapted to each state’s format instead of being rebuilt fifty times.
[3]
File
Applications are drafted and submitted through NMLS and state portals. Nothing is filed until the team reviews and approves it.
[4]
Respond
States come back with deficiency notices and follow-up requests. Payna tracks every item to resolution and keeps the application moving until the license is in hand.

Surety bond
Net worth
Control persons
Fingerprints
Business plan
Financials

Mapping the requirement in every state

AFTER APPROVAL

The day a license is granted, the compliance clock starts.

Renewals, reports, exams, and rule changes begin the moment approval lands. Every license Apply wins is handed directly to Maintain, so nothing falls in the gap between getting licensed and staying licensed.

Tell us where the company needs to be licensed.

Bring the states and the business model. We will walk through the license map, the sequencing, and what Payna handles at each step.

Request a Demo

BOOK A DEMO

See how Payna runs licensing.

Tell us a little about the company and we’ll walk through how Payna handles licensing and compliance in every US state.