Cash Advance Pro Software Revision History

The following history reflects changes in Cash Advance Pro since version 5.0. Only significant changes worth noting are mentioned. All software updates generally include fixes for minor glitches which are not recorded here. Therefore, it is a good idea to keep your systems updated. The previous version requirements are noted below.

Cash Advance Pro 5.7 — 7-May-2018

This update is for version 5.5 or newer and requires updating the database server first. Use update program UpdNxServer3112412.exe to update the database server.

1. Many of the components for user input of numbers, currency, and dates have been changed in order to support a newer compiler. Such was necessary to support third party State databases managed by Veritec in States like Florida, Kentucky, Indiana, Oklahoma and Alabama.

2. Veritec is mandating more modern security interface when connecting to their system. Previously we used TLS 1.1. Now in this update we use TLS 1.2.

3. Fixed an issue on Collections New Parameters screen. The Area Manager value was getting reset when exiting the store number field.

4. Updated the Help File.


Cash Advance Pro 5.6 — 6-December-2017

This update is for version 5.5 or newer.

1. Added Teletrack support using their XML method. Previously the software used their Cougar IP segment interface.

2. Removed legacy options for check verification.

3. Made numerous Veritec enhancements for users in the State of Kentucky. Cash Advance Pro will attempt to track dates locally for instructions to given by Cash Advance Pro to the State database. The fields being tracked include the OpenDate, AutoCloseHoldDate, DepositDate, CloseDate, Bad Check Return Date, Redeposit Date, Reopen Date, and WriteOff Date. Veritec does not allow us to query their database, so this tracking could get off if users make changes to the State database using the Veritec website.

4. Added a feature for Kentucky users accessed at the View Loans screen by right clicking on the loan record. An option will now appear, “Batch Process Auto Close Holds in State DB.” This option will list all delinquent active loans where both Auto Close Hold Date and Close Date has not been recorded. Users can then highlight the loans they want to place on auto close hold and process all of them with a single click to be placed into auto close hold in the Veritec State database. Note that this feature will not pull up loans opened prior to this update.

5. Added a feature for Kentucky users to Batch Process Closures in State Database. This check can be setup to operate when End of Day processing is selected as a kind of popup window if such loans exist.

6. Modified how Bad Check cash payments are handled in updating the Veritec State database in all supported States. Now the transaction in the State Database will be closed if there is no balance left on principal and finance fees. So even if the bad check is still active because of a balance from NSF fees or other fees, it will be closed in the State Database managed by Veritec. Previously the transaction was closed in the State database only if there was no balance left on the bad check record and the status showed paid off.

7. Fixed an issue where under certain conditions an error was generated when trying to update the Veritec database while redepositing a bad check.

8. Changed behavior for Money Orders to act like Checks and EFT instead of Cash when updating the Veritec database.

9. Added additional functions to report loan transactions to Teletrack database.

10. Added feature to send email and text alerts to customers when their payment is due or when their payments are late.

11. Added ability to set Late Fee Amount based on LoanAmt entered as long as user goes to 2nd screen (More Options / Title Loans Screen).

12. Added StoreNo and LastChgDate fields to ID table to facilitate Merge utility. Added LastChgDate field to Docs table for same reason.

13. Fixed a problem where the Default Settings overrides were not properly updating the LateFeeMin settings under certain circumstances.

14. Added security for access to Default Settings button on the New Loan form.

15. Added check box for bad check payments in Kentucky to allow user to decide whether or not to update the deposit date in Veritec.

16. Added security to Default Settings button on New Loan screen. Now only level 99 is allowed into that area of the program.

17. Updated the Help file.


Cash Advance Pro 5.5 — 24-March-2017

This update is for version 5.4 or newer. This update should be done after End of Day processing before any transactions are posted or there may be a problem reversing transactions done prior to the update.

Versions 5.3x uses an older version of the Database Server (nxServer) and these systems might be updated directly to 5.5 depending on how nxServer is installed. If updating from 5.3x, it is recommended to stop nxServer first by looking for it in the system tray, right click and choose exit. If version 5.3x of nxServer is installed as a service, then stop it (Control Panel / Administrative Tools / Services / Look for NexusDB Server) and uninstall it first. After the update is finished, install the new version of nxServer as a service by running nxServerInstall.bat. Alternatively, use the update package called UpdateCashAdvancePro55-NoSvc.exe which will install the new Database Server, nxServer.exe, as a service automatically after completion. All future versions from 5.4 onward expect to have nxServer installed as a service.

1. Added ability to specify a balloon payment on installment loans.

2. Fixed an issue where customer default payment type set to check caused problem on payment type setting in Satisfy Loan if Profile Setting was set to take cash payment.

3. Added feature to prompt before saving edited report templates in certain sections of the application that lacked this feature.

4. Added new End of Day fields for capturing the projected interest amount of active loans to be collected if the amortization schedule is followed exactly.

5. Added feature to popup alerts when customer name is clicked. This feature must be turned on in Profile Settings, ID #192.

6. Added a data import feature to the File menu for customers who have purchased a customized import utility.

7. Added ability to do different ACH accounts for different databases by placing the batch files in the data folder. Previously only looked for batch files in the program folder.

8. Added ability to reset DIR setting based upon loan amount entered. Previously reset only the estimated APR target.

9. Added ability for Renewal receipts to show information from next loan pipline.

10. Changed Renewals not to reset IntMethod to profile interest method. Will keep IntMethod of previous loan.

11. Fixed problem with Time Log reports not showing certain fields like reason code descriptions and total hours.

12. Added ability to specify balances to be added in advance for the entire next pay period due.

13. Added ability in Operating Summary Options to insert the database name into the file name automatically. See the help file to learn how to use this feature. Also changed the date format that is inserted automatically into file names. Also added more hint tips on this window and expanded the help topic.

14. Added ability to access Amortization Pipeline on normal contract forms.

15. Added ability to specify in Profile Settings not to send ACH emails when automatically uploading ACH files.

16. Added ability to track Check Issuers when cashing checks.

17. Added block to Paydowns for loans in hold status when previous status was not paydown.

18. Added ability to sort and search profile settings by description.

19. Fixed problem with users doing ACH transactions with automatic uploads and also using the Merge utility. Some customers with the same customer number from different stores were not matching up correctly with the transaction information.

20. Added new default paydown next due flag of I to act like B only if all interest is paid.

21. Added a new payperiod for every Nth day of the week in a month (e.g., every second Wednesday of the month).

22. Added ability to set default term for installment loans based upon loan amount entered.

23. Added a new feature in Profile Settings (ID = 194) that allows not showing the New Customer button in the New Loan screen.

24. Added security item information to the Work Event log.

25. Added a new feature in Profile Settings (ID =195) that allows hiding the Adjust Interest Rate button on the New Loan / More Options screen.

26. Fixed issue not to set a storeno range when editing users so that a users table from a different store can be used for all stores.

27. Added a warning if trying to satisfy a loan created on the same day.

28. Added ability to update Kentucky Veritec Database with a Deposit Date when satisfying a loan by check.

29. Added integration with ChargeItPro Credit Card Processing.

30. Fixed Customer Document Manager to assign documents by both store number and customer number.

31. Added way to cancel store number range in users management screen and on login screen.

32. Fixed Winsock error 10060 issue in Veritec communication on Windows 8 machines.

33. Changed default deposit date for Kentucky Veritec administrative closes to be blank.

34. Added ability to block creating new loans when the simple annual interest rate (sAIR) exceeds the amount specified for the interest only APR (Profile ID #171).

35. Move path to CAP-CIP.txt from Windows Temp folder to CashAdvPro program folder.

36. Added a way to override the APR representation on certain contracts to use a less accurate APR calculation for a Nevada auditor. To implement this override, edit Profile Setting #108, APR Method, to have a P as the second character. For example, setting APR Method to EP would cause the override to take place. This second APR method uses the Actuarial method which compounds interest, paying interest upon interest earned. It also rounds the number of periods in a year to whole numbers leading to less accurate results. Some auditors, however, require it for the audit tools that they use. Without the P, the APR calculation will be based on the U.S. Rule method for simple interest rather than compounding interest.

37. Fixed a problem with the Work Event Log where the wrong posting date would post if the window was open while posting a transaction with a different posting date.

38. Added ability to print supplements to contracts on Renewals and in Forms and Letters. See Profile ID 197 for this option.

39. Added ability to set security level to access adjust fees. See Profile ID 196.

40. Added ability to block access to setting the APR estimate or other methods of changing loan interest parameters. See Profile ID 169.

41. Increased the highest APR allowed on installment loans from 1460% to 3650%.

42. Increased the size of the State field to 3 characters to allow Australia 3 State abbreviations.

43. Added a Country Code to support unique labels for the countries Canada, Australia and Jamaica.

44. Expanded the width for many fields to allow for currency in the million dollar range.

45. Added ability to specify a weekly percent for the loan fee calculation on installment loans.

46. Changed Charge-Off Balance on first page of Operating Summary to include bad checks in balance and to subtract finance fees from balance.

47. Increased maximum APR from 3650% to 7300%.

48. Fixed an issue involving checking account balance getting off when reversing end of day under certain circumstances.

49. Fixed an issue where the Loan Note was not showing up in the Collections Loan Grid.

50. Added a new calculated field called LoanAmtInWords. It was added to the Loan pipeline in Forms and Letters Designer so rich text boxes can use it as a merge field.

51. In Operating Summary options, there was a block to adding the same report more than once. That has been changed to prompt whether the user wants to add a report more than once. This was added so the same report could be both printed and emailed.

52. Added ability to increase the loan amount on a Renewal. Enable this feature with Profile ID # 198.

53. Added Veritec Integration for Alabama.

54. Added support for Australia and Jamaica to show Fortnightly instead of Biweekly for pay periods. Set the Country Code in Profile Settings for this to work correctly.

55. Added support for resubmitting ACH payments using ‘RETRY PYMT’ description.

56. Fixed issue with CurrencyInWords function that in some situations caused an access error.

57. Fixed issue with Check Amt label not being reset in some situations on Renewals.

58. Added a new late fee minimum option for a company in Jamaica whereby an additional fee amount can be added in with the percentages method.

59. Added ability to search customer by email address.

60. Added more label customizations for different countries.

61. Added ability to create ACH batch credit and ACH batch debit files at any time during the day instead of just End of Day. Right now this works with the Royal Bank of Canada. Will add other formats upon request.

62. Changed the sort order of the Work Event Log under View Loans so that work events will be sorted by Posting Date instead of by LogNo. This will work better for companies that merge their data together from other stores.

63. Fixed issue with Check Cashing where system was holding last issuer done but not reflecting that on screen.

64. Fixed issue with some ACH dates not clearing when unchecked in AchBatch.

65. Fixed an issue with automatic non-cash adjustments not being deducted from regular payment made on time.

66. Added Issuer table and issuer fields to setup for custom reports.

67. Regarding Veritec integration, to fix problem with Socket Error 10054 for one user, a disconnect call to dmVeritec unit was added immediately after call to send xml.

68. Updated new Veritec requirements for the State of Kentucky.

69. Fixed issues that crept in when we added searching customers by email address.

70. Added New Parameters to Profile Settings for DefRenewIntFlag and DefRenewLnFeeFlag.

71. Fixed issues with refreshing the pmts due monitor not happening under certain conditions after editing fields.

72. Added ability for Alabama to Reopen Loans in State Database.

73. Added new way to do batch ACH payments using the balance field and an automatic non-cash amount deducted if so desired. See Profile Setting 200 to activate this feature.

74. Added a custom interest override method for loans with no security item using a custom table called IntChart2.nx1. When the table IntChart2.nx1 exists, satisfy and renew loan transactions will use this table to calculate the interest amount due for loans with a security item of None.

75. Changed Veritec Close Date so only Florida moves close date 24 hours earlier. This was done so that Reversals in Indiana do not trigger an error that the close date cannot be prior to the loan date.

76. Fixed issue where components were reset if a warning or error message was displayed on New Loan / More Options screen.

77. Fixed issue with error message sometimes appearing when using Payperiod NthDOWIM.

78. Added a check for Required Data for Teletrack Queries before submitting the query. Some fields that used to be optional are now required.

79. Added a statistic to Modify Payment Plan to show the number of days remaining in the extension.

80. Added ability for ACH Batch Payments to assess the payment amount for multipayment loans when the balance exceeds the payment amount.

81. Added ability for automatic update of registration server name.

82. Updated the Help File.


Update History for Version 5.x prior to 5.5

Cash Advance Pro 5.21 — 10-20-09
This update is for version 5.2 or newer. Do not run this update on versions of Cash Advance Pro prior to version 5.2.

1. Added the ability to print work log events and images on custom reports.
2. Erase Data option now also erases images and work logs.
3. Added word wrap to the Read Memo and Read Note fields when clicked on at the New Loan screen.
4. Changed StoreNo field on New Loan screen to be enabled even when not giving a check as distribution.
5. Fixed an error message that appeared under certain circumstances when printing forms for certain customers.
6. Changed warning message given when Cash Advance Pro system date does not match computer system date.
7. Added ability to tie a loan to the previous loan automatically using Profile Setting ID #150.
8. Added ability to print previous loan information within forms and letters.
9. Modified internet registration for new registrations.
10. Added warning message when creating a new loan for customers lacking bank information if the profile settings are set to create ACH file uploads automatically.
11. Added Profile setting for Interest Minimum and Interest Maximum default setting.
12. Updated the help file.


Cash Advance Pro 5.2 — 5-29-09

This update package will convert version 5.1 or newer. Version 5.2 is not backward compatible with earlier versions, so companies with multiple stores that regularly do remote connections should plan their updates accordingly. This update will replace the receipts and most of the report files, so if you have customized any of them, please be sure to back them up. If you are updating from a version prior to 5.1, your customized contracts may require our assistance to make them work with this update.

1. Added a new interest calculation method to the Interest Chart called Incremental Method. This method allows calculation of interest and loan fees based upon the percentage indicated by intervals on the interest chart.
2. Fixed a problem where right clicking in certain windows caused the same menu to appear again after choosing a selection.
3. Made an error message more clear concerning a problem when the nxServer has its ServerInfo Plugin disabled.
4. Added the ability to tie images and documents to a transaction record. This is helpful for check cashers to store a scanned image of checks cashed.
5. Added feature to have the maximum percent rule, Profile Setting ID # 53, block bad check fees entered on the Bad Check screen that would violate the rule.
6. Added ability to set a loan fee maximum value, Profile Setting ID #147.
7. Added feature for installment loans that are very delinquent to default payment to the number of payments due times the regular payment amount.
8. Add ability to view all bad check balances owed, including charged-off bad checks, on Loan Detail screen and on Customer Statistics screen.
9. Updated the underlying database server to version 2.08.03, which increases speed and efficiency and also fixes a number of problems reported over the last year.
10. The APR Calculator unit has been significantly changed for installment loans which results in much closer APR estimates when compared with the treasury department’s APRWin software.
11. Added loan fee to the Amortization Schedule report under Forms and Letters.
12. Changed the way loan fees are assessed on installment loans. Now instead of applying the entire loan fee on the first payment, it is spread out over the entire loan.
13. Changed the way interest is entered on installment loans. Now instead of entering the simple annual interest rate, the estimated target APR is entered.
14. Fixed a problem in Change Loan Status transaction that under certain conditions was not reducing the customer record field for outstanding loan amount. This caused a problem when new loans were created and there were credit limit restrictions or profile settings which might prohibit additional loans.
15. Added feature to set whether or not monthly payment dates will drift toward the least day of the month or instead maintain the day of the month indicated by the first payment date. The default setting is to let the date drift, so that if the first payment date is on the 31st, and the next payment month has only 30 days, subsequent payment dates will stay on 30. Profile ID # 148 now can be changed to N so that monthly date drifts are not allowed.
16. Added security level for charge-offs and void transactions for both loans and bad checks. See Profile ID # 149.
17. Fixed a problem which generated an error message that would appear if the Operating Summary Options report list was run and then the user came back to run a single report.
18. Added ability to change bank sort by fields under Edit / Banks.
19. Fixed a problem on transaction reversals for those using a database with data merged together from different stores. In certain circumstances, an attempt to reverse a transaction might have given an error message indicating that the customer information could not be reversed and the reverasal process was aborted.
20. Changed ACH upload file names to have the file name formatted with the date as MMDD instead of YYMMDD and also suffixed with the first letter of the database alias.
21. Added ability to upload ACH files automatically using CoreFTP utility program.
22. Added help menu item to make relaxing security for viewing help files across the network easier.
23. For control reasons, after End of Day processing, users now will be forced to login again.
24. Added ability to e-mail ACH confirmation e-mails automatically during End of Day processing.
25. Fixed a problem where the first transaction number recorded for the End of Day Summary was not being set properly when End of Day processing had no transactions to process.
26. Fixed a problem with an error message given when refinancing a loan.
27. Fixed a problem with an error message given when Security Item Selection had been disabled in Profile Settings, or when Ask Program Name had been enabled in Profile Settings.
28. Added two new rows to second page of End of Day Operating Summary to reflect ACH Credits and Debits (Daily, MTD, & YTD).
29. Changed the behavior of paydowns when bad checks are due. System will now allow paying down a loan with a bad check. However, system will warn the user that this is not normally done and ask for confirmation that this is desired.
30. Changed the way rounding was done during paydown for certain conditions where a partial credit exists on a loan. Previously the way the AmtFwd field was being rounded led to slight negative interests due immediately after posting a payment under certain conditions where less than the daily interest amount was due and a significant amount of the principal was being paid down.
31. Fixed a mislabel on the transaction detail screen where a renewed loan transaction was mislabeling late fees as lien fees.
32. Added additional fields to the work log to show time started, time ended, total time, and last change date.
33. Added ability to filter Work Events by LoanNo on the View Loans screen.
34. Fixed alignment problems with the first three reports under forms and letters which were misprinting under certain situations.
35. Changed the way late fees paid and late fee waivers accumulate on renewals. Prior to this update, the design was to cumulate this field on subsequent renewals so that the most recent loan contained the total late fees paid and waived since the original loan was done. However, this had a negative effect on reports that attempted to cumulate values for the various loans. Therefore, this update no longer maintains this cumulative aspect. Each loan now reflects only late fees for it and not for prior loans.
36. Repositioned the late fees paid and nr transaction statistics on the customer statistics screen.
37. Updated the help file.


Cash Advance Pro 5.12 — 2-27-09
This update package will convert version 5.1 or newer. Version 5.12 is NOT backward compatible with previous versions of Cash Advance Pro. If you connect remotely to other stores or use the Merge Utility, plan updates among all your stores with these incompatibility issues in mind. Also, this update will replace most of the report files, so if you have customized any of them, please be sure to back them up. If you are updating from a version prior to 5.1, your customized contracts may require our assistance to make them work with this update.

1. Integrated Cash Advance Pro with X-Charge credit card processing services. This allows credit card and debit card payments to be processed immediately through Cash Advance Pro when using X-Charge services.
2. Added an auto show option to profile settings. Set Profile Setting ID # 146 to Y to have customer and loan images show automatically. Set to N to have to right click and turn on auto show from the image screens. This feature allows remote connections to work faster by not requiring images to be downloaded from the remote server.
3. Added a clear button to the Adjust Drawer option to make it more simple to clear short / over amounts that were accidentally entered.
4. Added a block to improper interest amounts on installment loans.
5. Added ability to print contract supplements directly to the printer without having to preview them.
6. Fixed problem with occupation and co-occupation not displaying properly on the Edit Customer screen.
7. Added two new image boxes to the Edit Customer screen for holding Bank Verification image and Employment Verification image.
8. Added a scheduled payments section to the End of Day operating summary to indicate the amount of scheduled payments that have fallen delinquent.
9. Added prior loan summary fields to show net loan production on End of Day summary.
10. Added tracking for the number and amount of loans closed by changing the loan status from an active loan to a closed loan.
11. Added ability to edit security type and contract number after a loan has been created (provided security level is high enough). This is accessed from the Loan Detail screen using the More Info button.
12. Fixed a problem with two bad check figures not showing correctly on the End of Day Summary.
13. Added ability to manage PDF files, associating them with customers and loans.
14. Updated the help file.


Cash Advance Pro 5.11 — 1-7-09
This update package will convert version 5.1 or newer. Version 5.11 is backward compatible with the data files from version 5.1. This update will replace most of the report files, so if you have customized any of them, please be sure to back them up. If you are updating from a version prior to 5.1, your customized contracts may require our assistance to make them work with this update.

1. Fixed a problem where in certain circumstances the last payment date shown on the contract did not match the last payment date shown on the amortization schedule.
2. Changed the transaction detail screen to be more descriptive for status change transactions.
3. Fixed a problem where double clicking on a customer record in certain circumstances was not bringing up the correct customer.
4. Fixed alignment problem with last change date and time shown on customer detail screen.
5. Change Loan Status transaction now allows both a transaction note and a loan note to be entered.
6. Added a new transaction report: Transactions by Transaction Type With Notes
7. Added ability to filter transaction reports further upon a user selected transaction type.7. Fixed a problem with Lien Fees not showing up on End of Day Transaction Summary.
8. Added a control to charging-off loans with bad checks. Now the system provides more checks to help the user charge-off bad checks before charging off loans.
9. Changed receipts to show detail information only when the detail fields are not zero.
10. Added Profile Setting ID # 143 under category Security which allows blocking completely any renewal attempts beyond the Max Renewal Setting.
11. Added Profile Setting ID # 144 under category Operations which allows clearing the Bank Deposit Defaults to zero rather than the smart method of estimating deposit needed to bring balance back to day’s beginning balance.
12. Added Credit Cards and ACH entries to Bank Deposit Transaction Report.
13. Changed Renewal Transaction to allow entering a payment amount instead of entering the amount to apply to principal.
14. Fixed a problem where under certain circumstances, waiving a late fee on paydown and paying off the entire balance on a loan did not result in satisfying the loan.
15. Updated the help file.


Cash Advance Pro 5.1 — 12-4-08
This update package will convert version 5.00 or newer. Version 5.1 is NOT backward compatible with the data files from prior versions of Cash Advance Pro. If you connect remotely to other stores or use the Merge Utility, plan updates among all your stores with these incompatibility issues in mind. Also, this update will replace most of the report files, and your customized contracts may require our assistance to make them work with this update. It would be good to coordinate your update plans with us so we can assist immediately with any unforeseen issues. This update is an important update in regards to some of the fixes mentioned below. Also, a number of new features have been added to the software with this version.

1. Fixed a problem in Paydown where a rounding issue caused interest to sometimes report negative interest cents due immediately after posting a payment. The issue only happened when all the interest was paid down and some of the principal was paid. The issue also sometimes caused the Paid-To-Date to be one day less than the current system date with almost a full days AmtFwd credit when the date should have advanced fully. The rounding error has now been corrected.
2. Fixed a problem when creating a new loan with the first payment date being set ahead. The next due date was not being set to the new first payment date in some situations.
3. Added a sample report template to Forms and Letters for printing an envelope.
4. Added ability to highlight customer records using different colors for foreground or background. This feature is accessed in Edit Customers on the Profile Information tab. It may be used to signify customers on different plans or options.
5. Updated some changes in the ODBC driver for those users accessing the data using Microsoft Office products.
6. Added the ability to print the full employee name on receipts and other reports. This is done through a new custom RAP function called gEmployeeName, which can be used in a Calc Variable to show the name.
7. Added ability to email reports directly from Cash Advance Pro. An email button appears on the report preview screen in the upper left hand corner, next to the printer button. Selecting it brings up an email dialog screen which allows entering an email message to go with the report. Also, a list of reports can be emailed immediately after End of Day processing without any user interaction using the options button under Reports / Operatings Summaries. In order to use the new email feature, email settings must be setup in Store Information (File / System Options / Store Information).
8. Added new setting to Block Multiple Loans option in the Profile Settings. Now setting this to A will block doing another loan if any balance is owed on any other loan.
9. Added feature to check for the number of sessions connected to the server when a user is about to choose End of Day processing. If other computers are connected to the server, the Process End of Day button will be disabled and a message displayed to remind the user to exit Cash Advance Pro on other computers before closing End of Day. This option may be configured or disabled in the Profile Settings using Profile ID # 139. In some situations with multiple databases or remote connections, it may be necessary to increase the EODMaxSessions parameter for this feature to be useful.
10. Added feature to enable Cash Advance Pro to synchronize the time of the computer with the computer hosting the server. If enabled, the time of the computer will be set to match the server computer when Cash Advance Pro is first started. This is helpful in some situations to keep the time stamped on transactions from different workstations in step with each other. This feature is off by default and may be enabled by changing the setting in Profile ID # 140 to ‘S’ for “Synchronize with Server.”
11. Added feature to allow previewing the contract before capturing the signature, then printing the contract with the captured signature.
12. Added Routing Number fields to the Bank Record so that when a bank is selected for a customer, the routing number for that bank will be transferred over to the routing number field of the customer. Also, when adding a bank, the routing number can be formatted from the branch number, institution number, and check digit. For Canadian customers where routing numbers can be formatted two different ways, this can be helpful to get the proper formatting for electronic processing.
13. Added ability for loans with contractual type interest not to charge interest if satisfied within 1 day. Previously this worked only for simple daily interest loans. Set Profile Settings ID # 92 to 1 in order to use.
14. Added some new options to the default Non-Cash Credit Method, Profile Setting ID # 117. Now automatic credits can be given to the first loan for the entire interest due, and the percent discounts also can be set to apply only to the customer’s first loan.
15. Added feature to set the default date on Renewals to the next due date rather than the current system date. See Profile Setting ID #141.
16. Added feature to allow editing the Loan Fee as a percent rather than currency. See Profile Setting ID #142.
17. Added Daily, Month-to-Date, and Year-to-Date figures for Lien Fees to End of Day Transaction Summary.
18. Added new feature that allows restricting the Number of Payments by a Minimum or Maximum based upon security item or loan program selected.
19. Fixed a problem where the navigator bar on Bad Check Transactions was disabled.
20. Added ability to void bad checks for situations where bad checks were entered incorrectly.
21. Added a block for multiple loans if bad checks have been charged-off and Profile ID #63 (Block Multiple Loans) is set to B. Previously only active bad checks would block additional loans when this profile setting was set to B.
22. Added customer fields for employer address, city, state/province, postal code, and phone.
23. Added internet integration with a check verification service (Check A Check).
24. Fixed an issue related to right clicking on selected text not bringing up a menu for copying and pasting the selected text. Earlier versions had this feature, but a bug crept into a compiler update which removed this default feature. A work around has been added to many of the forms to restore this feature.
25. Added ability to edit a loan’s Next Due Date on the More Information Screen under Loan Detail.
26. Updated the help file.


Cash Advance Pro 5.02 — 9-11-08
This update will update version 5.00 or newer. Version 5.02 is backward compatible with the data files in Versions 5.00 & 5.01.

1. Fixed a problem with a new feature added in version 5.0. The problem would happen on systems that were keeping both payday loans and title or installment loans in the same database. If a loan was refinanced and the next loan entered was a payday loan that never entered the more options area, the system was refinancing the loan from the previous transaction again, causing an incorrect contract and cash drawer update. If the problem is noticed, it could be easily reversed. The problem has now been corrected in 5.02.
2. Changed the way non-cash credits were being handled in paydown transactions. Previously the Interest Due field (IntDue) on active loans was being updated to include the total interest due at posting. Now, if a non-cash credit is being applied toward interest, it is not added into the IntDue field. Other areas of the software that report total interest charges will add in the NCashCreditApplied field to get the total interest charges.
3. An update utility program, UpdAuto.exe, was updated to track version numbers in order to flag one time only changes that are needed in an update, such as decreasing the IntDue field by the NCashCreditApplied field.
4. A change in 5.01 created an balance issue on satisfied loans for some customers that were heavily using the non-cash credit option. This update includes a fix that should correct that problem.
5. Added a security level for Adjust Drawer option on the Cash Drawer screen. Set security level in Profile Settings, ID# 137.
6. Added a security level for Check Cashing. Set security level in Profile Settings, ID# 138.
7. Added new feature when refinancing a loan. Now the title information will be copied over after selecting the loan to refinance.
8. Added ability for the Loan Fee edit box in the more options area to be disabled.
9. Fixed a problem where single payment loans were not having the end date set correctly if only the effective date was changed after the next due date was changed.
10. Updated help file.


Cash Advance Pro 5.01 — 8-18-08
Version 5.01 primarily fixes issues and is backward compatible with the data files and reports in Version 5.00.

1. Fixed problem with Customer Reports when using the exclusion of Mail Code feature. If no Mail Code was entered at all on the customer record, it was being excluded from the reports. Now records without any mail code entered will be included.
2. Fixed a problem with the balance calculation on certain closed loans. In certain conditions, loans which were previously receiving a non-cash adjustment while the loan was active were then receiving another reduction for non-cash credits applied toward interest when the loans were moved to a closed account status.
3. Fixed a problem with the work event log when run from networked stations. Also made the work event log more friendly in allowing the closing of the View Loans window that started it.
4. Fixed a problem where the transaction detail screen was showing the reverse condition of a bad check transaction for the field that indicated whether the bad check was returned from bank.
5. Changed the Bad Check Letter form in Forms and Letters to read, “Returned Check Letter.”
6. Fixed a problem where the Bank Account Type was not being saved if the user typed the selection instead of clicked on the selection.
7. Changed View Loans window behavior when the form is maximized to expand the work events grid rather than the customer grid.
8. Fixed a problem where deleting a work event and then adding another one right away gave an error message and presented an improper form.
9. Fixed a problem with reversing transactions when the customer record came from another store number.
10. Fixed an error message during EOD processing under certain situations.
11. Changed the way system handles logging in a non-existing store number during remote connections. Now the system will notify the user of the error and revert to the first store number setup in the system.
12. Added support to change store number option for work log and default security file changes. Enhanced error reporting in change store number.
13. Added ability in profile settings for a loan fee method which deducts interest from a calculated loan fee in the final result.
14. Added ability in profile settings to have the pay down principal on renewals be only a default amount that may be decreased rather than a forced minimum amount required to pay toward principal.
15. Changed receipt templates for paydowns that are actively accruing interest. Now a balance is shown only when printed on the same day as the transaction, and the accruing daily interest amount also is indicated.
16. Enhanced the warning message when MaxFees percent is exceeded to give more information. Also enabled warning to show on the paydown screen in addition to the renewal and satisfied screens.
17. Fixed problem where date column was not showing on File / System Options / Repair Options / Delete Operating Summary.
18. Fixed problem where create default security file was giving an error message when the file did not exist.
19. Fixed problem with remote connections where in certain situations the remote server was being saved as the default server configuration.
20. Added ability for Renewals to set a default loan fee based upon the percentage of loan fee to principal remaining. See profile setting for Profile ID #136.
21. Updated help file.


Cash Advance Pro 5.0 — 7-25-08
Version 5.0 is a major upgrade over the 4.x versions of Cash Advance Pro. The database server software has been changed to NexusDB and the Report Builder components have been upgraded significantly. This update is actually more like a conversion and requires scheduling with our office to ensure a smooth transition to the new software. Users need to have updated their Cash Advance Pro system to version 4.92 prior to updating to version 5.0. If the end user has any customized forms and reports, these will require special attention to convert them over for use by version 5.0. Some of the new features in version 5.0 are as follows:

1. Support for signature capture of customers has been added.
2. Support for saving photographs of customers and security items has been added.
3. Improved speed and performance with the database.
4. Numerous improvements to Report Builder.
5. Improved support for Windows Vista. Forms will be less likely to hide behind other forms in this version.
6. Added ability to refinance installment loans.
7. Added ability for product registration via the internet.
8. Updated help file.


Cash Advance Pro 4.92 — 12-3-07
Note: Updates Version 4.00 or higher to 4.92.

Update after processing End of Day before the first transaction of the next day of business. Always backup before updating. If your current version is 4.8x or earlier, this update will change the structure of several files. Version 4.92 is not compatible with version 4.8x or earlier, so if you have multiple locations or multiple client programs which connect to each other’s database, and you are currently on a version of 4.8x or earlier, plan to upgrade them all at the same time. If you are using version 4.90, the file system is the same and so the various locations do not need to be updated at the same time. If you customize your reports, you should back them up before updating. This update will overwrite all of the standard reports. It will not change your contract but it will change your receipt templates.

1. Added a feature to allow assessing the late fee automatically only once. Set Profile Setting 126 to 1 to enable this feature.
2. Added ability to adjust late fees on loans without automatic late fees.
3. Fixed a problem in Paydown: loans that were first due on the 31st of the month were not having their balances calculated.
4. Fixed a problem with two loan reports (All Loans Outstanding) that were not eliminating loans outside the date range for active loans.
5. Under forms and letters, the “Loan Transaction History” and “Loan Payment History” reports were modified to show more information about the loan, including a break down of the totals that go into the balance due, the work log, and the customer’s note and memo information.
6. Fixed a problem where bad checks were not having a store number assigned to the record under certain circumstances.
7. Added the ability to print contract supplements automatically when a new loan is created. This can be setup under Profile Settings by selecting “Setup Contract List.”
8. Fixed a problem on the New Loan screen – if a loan fee was entered using the calculator, under certain circumstances the totals were not being updated properly.
9. Added the ability to enter a bank statement date and statement expiration days to the New Customer Quick Add screen.
10. Added high security option for Profile Setting ID #62, Block Date Change. Now entering an H for this setting allows only the highest security level (99) to change dates of transactions.
11. Added a block in forms and letters for when a bad check letter is being printed but the transaction selected does not pertain to a bad check. This was causing some confusion to users who mistakenly did not select an appropriate transaction.
12. Added new profile setting, ID #127, to allow changing the behavior of the default NxDue date for paydowns.
13. Added Bank Stmt Date field to customer quick add form.
14. Fixed a problem with the storeno not being set on Bad Check Records.
15. Fixed a problem with using the calculator on the loan fee for new loans.
16. Fixed a problem with paydowns where the interest amount was set to the contractual amount if the stop interest button was checked. Now the interest will be calculated up to the posting date and stopped at that amount.
17. Fixed a problem using the Recalc Fees option on Satisfy Loan for when the interest type was contractual type and the posting date was changed. The problem resulted in a receipt showing an incorrect previous balance based upon the new posting date entered.
18. Fixed a problem where the software was reporting a late fee waiver when the system itself was automatically reducing the late fees due because of the maximum fees rule forcing the fee reduction. This resulted in a receipt balance showing a negative amount, which now has been fixed to report properly.
19. Changed the way charging off bad checks affects the associated loan balance. Now charging off a bad check will cause the associated loan balance not to reflect the bad check.
20. Added the ability to clear the loan number field on bad check entries so that bad checks for other loans not yet entered in the system can be entered. This is meant to help new customers who do not want to enter past loans with bad debts from their previous software.
21. Changed the way the bad check fields populate based upon the transaction selected to accomodate more types of transactions.
22. Changed the sort order of the transaction history and payment history reports to be ascending in the Forms and Letters area. This allows calculations to be performed for items such as principal due based upon the pmts received.
23. Updated the help file.


Cash Advance Pro 4.91 — 8-4-07
Note: Updates Version 4.00 or higher to 4.91.
Update after processing End of Day before the first transaction of the next day of business. Always backup before updating. If your current version is 4.8x or earlier, this update will change the structure of several files. Version 4.91 is not compatible with version 4.8x or earlier, so if you have multiple locations or multiple client programs which connect to each other’s database, and you are currently on a version of 4.8x or earlier, plan to upgrade them all at the same time. If you are using version 4.90, the file system is the same and so the various locations do not need to be updated at the same time. If you customize your reports, you should back them up before updating. This update will overwrite all of the standard reports. It will not change your contract but it will change your receipt templates.

1. Fixed a problem with bad check queries. The update program has been fixed to set the customer store number on bad check records. This fixed a problem with querying bad check records on some systems.
2. Fixed a problem with Voided Loan Report pulling up Difficult loans with the Voided Loans.
3. Fixed a problem in the More Options area when creating a new loan where exiting the Days In Period box was not updating the displayed figures properly.
4. Changed the More Options area for installment loans to reflect the APR as the entered Annual Interest Rate if a loan fee is not entered. This will create less questions about why the APR differs slightly from the target Annual Interest Rate entered. Mathematically, the slight differences are not significant and yield the same monetary calculations.
5. Changed some logic in the new APR calculator to work better with entering a first payment date. Now the APR calculator inside Cash Advance Pro matches APRWin even better. See the help topic APR Calculation for more information.
6. Fixed a problem happening when automatic operating summaries were being printed during end of day. Under certain situations an access violation was occurring.
7. Removed transaction reversals from the default Transactions by Transaction Type report located under operating summaries, and added a new report that includes reversals.
8. At Reports / Operating Summaries / Select Date from List, a new column was added called, Number of Transactions.
9. Updated the help file.


Cash Advance Pro 4.90 — 7-17-07
Note: Updates Version 4.00 or higher to 4.90.
Update after processing End of Day before the first transaction of the next day of business. Always backup before updating. This update changes the structure of several files. Version 4.90 is not compatible with older files, so if you have multiple locations or multiple client programs which connect to each other’s database, plan to upgrade them all at the same time. If you customize your reports, you should back them up before updating. This update will overwrite all of the standard reports. It will not change your contract but it will change your receipt templates.

1. Fixed a problem with updating the Work Log when the entry contains an apostrophe or single quote mark.
2. Changed the way receipts show a balance. Previously, reprints of the receipt at a later date were showing the balance as of the new date when the receipt was being printed. This has been changed so that a reprint will show the balance of a loan at the time the original receipt was printed.
3. Changed Satisfy transaction to show a previous balance based upon the posting date entered rather than the actual system date.
4. Changed Paydown transaction so that the receipt would show a previous balance that includes any additional late fees entered at the time of the transaction.
5. Fixed a problem with Options under End of Day Summary Reports where only the first report was printing.
6. Changed Transaction reports and Bad Check Reports to match customers based upon both the store number and the customer number of the customer tied to the transaction. This facilitates working with merged databases where different customers have the same customer number.
7. Changed the way Bad Checks are added. Now the customer is queried by name and the transaction of interest is highlighted or double clicked. This facilitates working with merged databases and it also helps set proper default values for cashed checks that have been returned.
8. Updated EOD Summary with transaction detail subreport to have other charges reflected on daily deposit cash flow analysis.
9. Added two new default settings for loans other than payday loans. One allows specifying different percentages of principal to pay down on renewals and the other allows specifying different renewal numbers on which to apply it.
10. Changed Cash Check transaction so that the Store Check Number will not be incremented if the distribution was made in cash.
11. Changed the way Paydowns set the default next due date. Instead of defaulting from one pay period beyond the posting date, now the system will default to one pay period beyond the paid to date. Furthermore, it will recalculate an estimated next due date appropriate for the amount of payment entered. It also will keep loans on a monthly pay period to maintain their due date to be due on the same day of every month.
12. Added ability to reset the month to date and year to date figures on the most recent operating summary for the highest security level of 99.
13. Modified the Operating Summary to show statistics for loans which are in a closed status such as repossession, bankruptcy, difficult, etc.
14. Added ability to assess three new charges for Title loans: Storage fees, Preparation Fees, and Repair Fees.
15. Added ability to perform Teletrack Queries.
16. Changed the way APR is calculated for Installment Loans. This is probably one of the most significant changes to Cash Advance Pro since it started supporting installment loans. Completely new mathematical methods are used now to estimate the regular payment amount for specified loan terms. The Adjust APR button also has been enhanced to find better solutions for making all monthly payments equal. The methods used now comply much more closely with the U.S. Treasury department’s APRWin calculator which is used by auditors in the State of Missouri. Read the help topic APR Calculation for more information.
17. Added the ability to specify a Semi-Monthly pay period.
18. Added the ability to view the Amortization Schedule when specifying the loan parameters on the New Loan screen.
19. Added a new transaction for selling collateral attached with a loan.
20. Added ability to edit additional loan fields after a loan has been created, such as vehicle information, next letter dates, etc.
21. Updated Operating Summary to give more detailed information.
22. Added several new forms and letters examples.
23. Added several transaction reports to the Operating Summary area, such as Petty Cash, Misc. Receipts, and Non-Cash Credit Detail.
24. Added new Adjusted Fees Report to the transaction report area.
25. Added new Sold Collateral Report to the transaction report area.
26. Changed Security Level for changing the drawer number from trusted level 50 to a level defined in Profile Settings, ID #124.
27. Added right click menus to the View Loans screen.
28. Added ability for high security level to delete work events.
29. Added ability to print the work log and memo fields to Customer Loans & Transactions report under Forms and Letters area.
30. Updated Help File


Cash Advance Pro 4.86 — 4-13-07
Note: Updates Version 4.0 or higher to 4.86.
Update after processing End of Day before the first transaction of the next day of business. This update changes the structure of several files. Version 4.86 is not compatible with older files, so if you have multiple locations or multiple client programs which connect to each other’s database, plan to upgrade them all at the same time. If you customize your reports, you should back them up before updating. This update will overwrite all of the standard reports. It will not change your contract or receipt templates.

1. Added ability to manage a work history log which automatically date stamps entries made by collectors and account managers. This work log is shown and accessed on the View Loans screen below the customer transactions.
2. Added an audit trail for cash drawer maintenance so that a transaction record of type 201 is posted when a drawer is created or recreated.
3. Fixed a problem with paydown transactions not updating the cash drawer properly under certain situations when money was being posted to court fees and other charges.
4. Modified the End of Day Summary to show other charges in the daily cash flow.
5. Fixed a problem caused by new feature #13 added in 4.85. If an Amount Tendered was not entered, the Cash Drawer was not updating correctly for payments other than cash.
6. Fixed a problem with Non-Cash Credits. In certain situations involving both non-cash credit and payment toward principal in the same transction, the Non-Cash Credit was being considered as already applied toward moving the paid to date. The net effect of this was that the new balance due was not being decreased by the non-cash credit being given. This is now fixed to work correctly.
7. Updated Help File.


Cash Advance Pro 4.85 — 3-27-07
Note: Updates Version 4.0 or higher to 4.85.

Update after processing End of Day before the first transaction of the next day of business. This update changes the structure of several files. Version 4.85 is not compatible with older files, so if you have multiple locations or multiple client programs which connect to each other’s database, plan to upgrade them all at the same time. If you customize your reports, you should back them up before updating. This update will overwrite all of the standard reports. It will not change your contract or receipt templates.

1. Fixed a problem with Bad Check Customer Name lookups when bad checks were posted at a different store from which the customer originated.
2. Modified Loans Outstanding by Bank Name to have routing number and check number added.
3. Added new profile setting ID #115 to set security level for printing customer reports.
4. Added ability to have a late fee minimum setting, profile setting ID #116.
5. Paydown transaction will now have the held check number default to the currently held check number.
6. Added two profile settings (ID #117 & #118) that give the ability to offer automatic non-cash credits for loans that are not delinquent.
7. Fixed a rounding issue with renewals where sometimes the interest rounded up higher than it should. Rounding has been specialized to keep interest rate lower than previous one.
8. Added Note field to standard bad check reports.
9. Added additional charge fields to loan records. Fees can now be debited to loans through the loan detail screen by clicking on the Adjust Fees button. The new fields are Court Fee, Collection Fee, Repo Fee, Repo Title Fee, and Misc Fee.
10. Added ability to setup default loan settings for title loans and installment loans based upon the security item selected.
11. Added ability to setup a contract list in Profile Settings that will list different contracts on the New Loan screen, allowing the user to select which contract to print for the loan.
12. Fixed a problem with the transaction detail of the operating summary not printing correctly when a user has multiple databases.
13. Changed the way Paydown Loan, Satisfy Loan, and Renew Loan transactions handle check, money order, and EFT/ACH transactions that involve an amount tendered more than the amount applied to the loan. Now the software will calculate a change due and assume that cash is given back for the overage amount of the instrument.
14. Fixed numerous issues with the Satisfy Loan Transaction involving the amount tendered.
15. Modified the receipts to show more detail concerning a payment.
16. Added a new contract for Missouri’s 510 installment loans.
17. Modified Petty Cash Report to show lien check amounts.
18. Modified Check Register report to reflect lien checks.
19. Added two new reports to the Forms & Letters area: Loan Payment History & Loan Transaction History. These reports will show a clearer breakdown of the finance fees and principal being paid. Also, the loans associated with a common renewal thread will be picked up together to track the renewal payment history better.
20. Added Print Buttons to the Loan Detail and Transaction Detail screens to allow printing these screens.
21. Added ability to set defaults for different kinds of installment and title loans based upon the security item selected. Access this on the additional options screen under New Loan.
22. The LoanNo Edit on the New Loan Screen now will not allow entering zero or an already existing loan number.
23. Modified the Loan Detail Screen to more accurately reflect paid charges on certain types of paydown loans.
24. Changed paydown next due to be reset based upon paid to date plus one period of the loan.
25. Added a new feature where the software will compare its date with the computer system date and notify the user if the dates do not match. A message will appear upon logging in if the dates do not match and the time is prior to 12:00 noon, asking the user to make sure their date is right. This will help when users forget to close the end of day from the night before.
26. Added ability to select a loan program when setting up a New Loan which has different default loan settings based upon the program name selected. Enable this new feature using Profile ID #119.
27. Added ability to disable the security type selection box using Profile Setting #120.
28. Added ability to disable the next due selection box on paydown loans using Profile Setting #121.
29. Added ability to disable the contract form box using Profile Setting #122.
30. Fixed problem with Loan Reports that failed to retrieve Bank Information from database of combined stores because the bank record was input from another store number.
31. Added two new customer fields: EMail and Co-EMail.
32. Updated the installation program to better support Windows Vista.
33. Changed the default installation directory to work better with Windows Vista.
34. Changed the Help File system to HTML help to work better with Windows Vista.
35. Changed the Active Loans by Name report to show Principal Due instead of the Loan Amount.
36. Updated Help File.


Cash Advance Pro 4.84 — 9-15-06
Note: Updates Version 4.0 or higher to 4.84.

This update changes the structure of several files. Version 4.84 is not compatible with older files, so if you have multiple locations or multiple client programs which connect to each other’s database, plan to upgrade them all at the same time. If you customize your reports, you should back them up before updating. This update will overwrite all of the standard reports. It will not change your contract or receipt templates.

** Please note that if you are using 4.83, we highly recommend you update to 4.84 or newer right away. The 4.84 update fixes several issues reported in version 4.83, especially with bad check transactions.

1. Added the ability to enter notes on transactions. For example, when doing a miscellaneous receipt transaction or petty cash withdrawal, a description may be entered in a note field that describes the transaction in more detail.
2. Several of the standard reports have been modified in various ways, such as adding drawer numbers to various transaction reports, such as miscellaneous receipt and petty cash. The loans outstanding by name has been modified for showing payment amounts for installment loans.
3. Added the ability to filter loan reports by paycheck periods.
4. Changed the Loans Outstanding report with two lines to sort by bank name. It is now called, “Loans Outstanding by Bank Name.”
5. Added ability to print checks automatically for the lien fees collected on title loans.
6. Added the non-cash credit amount to the receipt template.
7. Added the ability to print checks when doing a petty cash transaction.
8. Modified the transaction report called “Store Checks Written” to include checks printed at petty cash, check cashing, and lien checks.
9. Added a new transaction report called “Check Register” which show all checks written that would make draws on the bank account. It also will list all bank deposits. This report is meant to assist with reconciling a bank account with transactions processed through Cash Advance Pro.
10. Added a transaction report called Non-Cash Adjustments.
11. Added additional payment types to Miscellaneous Receipts and Petty Cash Withdrawals.
12. Changed the Bank Deposit transaction to record a By Store Number field.
13. Fixed a problem introduced by version 4.83 that would cause some data grids not to track the data properly, which in some situations would make the software unable to print from forms and letters.
14. Fixed a problem introduced with version 4.83 that in some situations would cause problems posting a bad check transaction.
15. Fixed a problem where the cashed check statement would not print on a newly installed system if there were not any loans yet entered into the system.
16. Revamped the way bad checks update loan records so that multiple bad checks may be entered and they properly update the accumulated total of bad checks on the loan record.
17. Enabled bad checks entered for New, Renewed, or Paydown loans not to inflate the balance on the loan record. Only satisfied and other closed loans will have bad check debt reflected on the loan record balance now.
18. Fixed a problem where users deleted the finance fees on Bad Check entries. This resulted in making a null entry for the field, which caused totals on reports using this field also to be null. Now the system will automatically insert a zero when the user deletes the entry.
19. Added a status field to transaction reports that included all bad checks.
20. Added ability to streamline updates for customers managing several databases. An option has been added to the File / Change Database screen which allows saving the alias list. Updates will now read this saved list and process data located in all the alias directories. This makes updates for multiple databases more automatic.
21. Changed the Charge-Off or Void Loan transaction to now be Change Loan Status. Loans may now be moved into a legal status using this transaction. Furthermore, several other statuses have been added, such as Repossession, Bankruptcy, and Difficult. Each of these are closed loan statuses. In addition, a new status called “Hold” has been added for non-performing loans that the user might want to make active again at a later date. A loan on hold allows the loan to keep accruing interest. However, the hold status causes the loan to be moved out of the loan analysis on the operating summary into a special category called On Hold. The new operating summary shows this On Hold status right above “Active Bad Checks” toward the bottom of the loan analysis on page 1. Loans put on hold may be moved at a later date back to their previous status of New, Renewed, or Paydown.
22. Added the ability to enter a checking account balance on the Store Information screen. During End of Day, Cash Advance Pro will adjust this balance based upon the transactions it processes during End of Day.
23. Added the ability to enter a posting date for paydown transactions.
24. Added the ability to print an Amortization Schedule from the Forms and Letters area.
25. Updated the Help File.


Cash Advance Pro 4.83 — 6-15-06
Note: Updates Version 4.0 or higher to 4.83.

This update changes the structure of some files. Version 4.83 is not compatible with older files, so if you have multiple locations or multiple client programs which connect to each other’s database, plan to upgrade them all at the same time. If you customize your reports, you should back them up before updating. This update will overwrite all of the standard reports. It will not change your contract or receipt template.

1. Added ability to reprint the bad check receipt.
2. Added currency type field to the cashed checks transaction report.
3. Added EFT/ACH currency type to Misc. Receipt & Petty Cash transactions.
4. Added ability to tie customer number to Misc. Receipt & Petty Cash transactions.
5. Added ability to Bad Check Transaction to lookup check by customer name.
6. Fixed a problem with Bad Check Transactions. Previously, when the active bad check filter was on, the receipt would not show the correct customer information when the bad check was paid off.
7. Fixed a problem with charge-off transactions. In some situations where paydowns had paid some interest already, the interest amount charged-off was inflated.
8. Added ability to have a late fee maximum amount.
9. Added ability to have a late fee period so that late fees can be assessed daily, weekly, monthly, etc.
10. Enhanced Change Database option to connect more easily and allow specifying different alias names, server names, and server passwords.
11. Enhanced command line parameter passing to software to allow connecting to secure servers with password requirements.
12. Enhanced ability for read only connections to remote servers by eliminating startup error messages when the login user settings are read only.
13. Changed some algorithms used in long term installment loans that will effect how the regular payment is calculated for some types of long term loans. Lenders who are doing long term monthly installment loans are strongly urged not to delay updating to this version.
14. Added an operating summary report with transaction detail grouped by transaction type.
15. Updated Help File.


Cash Advance Pro 4.8 — 9-8-05
Note: Updates Version 4.0 or higher to 4.8.

This update changes the structure of some files. Version 4.8 is not compatible with older files, so if you have multiple locations or multiple client programs which connect to each other’s database, plan to upgrade them all at the same time. If you customize your reports, you should back them up before updating. This update will overwrite all of the standard reports.

1. The Report Builder has been significantly upgraded. The designer now has a Calc Tab which enables the end user to add their own calculations to reports. The scripting language used is called RAP, which is a subset of Borland PASCAL. A “Learn RAP” manual is available for download on our website’s support page.
2. Added the ability to output Reports in a number of different file formats, including Excel, Quattro Pro, Lotus, Adobe Acrobat PDF, RTF (RTF stands for Rich Text Format, which is a document file that can be read by Word and numerous other word processors), HTML (web page), XHTML, and a graphic file (JPG format).
3. Added a Reports List feature to the Operating Summaries area. This new feature allows setting up a list of operating summary reports to run as a unit with a single click. The list also may be set to run automatically following End of Day processing. There are numerous options available so that reports can be run directly to the printer without user intervention, or sent to disk in a variety of formats for retrieval by a home office.
4. Added an example of an operating summary report that will list the transaction detail of the days transactions. This report is listed as “End of Day Summary with Transaction Detail” in the Operating Summaries list.
5. Changed the way the Charge-Offs row on the Operating Summary, listed directly under “New Loans,” will report its values. Previously, these numbers reflected combined charge-off’s of both loans and bad checks. Now the numbers reported here reflect only the Charge Off’s for loans.
6. Added an example of an operating summary report that will export a Quick Books import file that will add three journal transactions for receipts, disbursements, and bank deposit.
7. Added a Configure Reports Level to the Profile Settings for more flexible security options. Previously, only level 99 could configure reports.
8. Added ability to print statements for Miscellaneous Receipts. By default, this option is disabled. Enable it in Profile Settings for ID 103.
9. Added ability to print statements for Petty Cash disbursements. By default, this option is disabled. Enable this option in Profile Settings for ID 104.
10. Added ability to filter out inactive bad checks on the bad check transaction list view screen by simply clicking a box.
11. Added a warning if a loan number is entered for a bad check and the loan already has bad check fees due.
12. Added a new loan report called Active Loans by Name.
13. Added ability to select loans in a standard loan report by security item.
14. Updated Help File.


Cash Advance Pro 4.7 — 6-30-05
Note: Updates Version 4.0 or higher to 4.7.
This update changes the structure of some files. Version 4.7 is not compatible with older files, so if you have multiple locations and multiple client programs, plan to upgrade them all at the same time. If you customize your reports, you should back them up before updating. This update will overwrite many of the standard reports.

1. Added ability to do installment loans.
2. Added ability to set different types of pay periods for installment loans (weekly, biweekly, monthly, and custom periods).
3. Added ability to add vehicle title information to a loan.
4. Added speed buttons for frequently used menu options.
5. Fixed problems with End of Day Reversals for stores other than original store number.
6. Added fields for support of multistore database transactions.
7. Fixed problem with some charge-off fields not being cleared at end of month or end of year.
8. Fixed some problems with outstanding loan amounts for customers not being tracked right.
9. Fixed security problem with menu option for Erase Data.
10. Added additional customer statistic for number of outstanding loans.
11. Added additional outstanding loan report to show second line with bank information.
12. Added Data Manager access from the repair options menu.
13. Added ability to set customer number with low security on Customer Quick Add Form.
13. Updated Help File significantly.


Cash Advance Pro 4.6 — 9-29-03
Note: Updates Version 4.0 or higher to 4.6.

This is a significant upgrade that changes the structure of many files. Version 4.6 is not compatible with older files, so if you have multiple locations and multiple client programs, plan to upgrade them all at the same time. If you customize your reports, you should back them up before updating. This update will overwrite many of the standard reports.

1. ACH has been further automated for direct communication with ACH Commerce after end of day processing. If you are interested in using ACH, contact us.
2. Added an Amount Tendered field to the transaction file.
3. Added a Profile Setting that allows system to force or not force entry of the Amount Tendered.
4. Added End of Day Summary Fields for splitting up income related and non-income related miscellaneous drawer receipts.
5. Added End of Day Summary Fields for splitting up expense and non-expense related petty cash drawer withdrawals.
6. Added End of Day Summary Fields for voided loans.
7. Added End of Day Summary Fields called recovered fees for reflecting payments to charged off and voided loans as well as charged off bad checks.
8. Added End of Day Summary Fields to break out check cashing revenue.
9. Added breakdown to View / Drawer to show checks cashed information.
10. Added End of Day Summary Field to reflect the number of cash drawers.
11. The End of Day Operating Summary has been expanded to two pages to accommodate the additional information being managed.
12. Two new Operating Summaries have been added: Statement of Revenues and Statement of Receivables.
13. Added ability to customer file to record a bank statement date as well as the number of days to expiration. The system can warn users when bank statements have expired for those states that require this information to be kept current.
14. Added a date selection option to Customer Reports so that the date processed can be any of the following dates: Entered Date, Latest Close Date, Last Changed Date, First Loan Date, Latest Loan Date, Oldest Close Date, Latest Due Date, Statement Date, Promise Date.
15. Modified Paydowns so that if a bad check is entered and the amount of the loan has accrued fees beyond the amount of the bad check, then payments may be posted to the loan before being posted to the bad check. This allows applying payments to the additional interest accrued on the loan before applying it to the bad check.
16. Added ability to check on end of day if any transactions have been posted to help keep employees from accidentally closing out the day twice. The system now will warn that there are no transactions before complying with a request to close the end of day.
17. Added a loan report for voided loans.
18. Bad checks that are charged off will now get a unique transaction code of 14 and will show up in the transaction file as “BadChk ChgOff.”
19. Added ability to track bad check charge offs on the Daily End of Day Summary.
20. Changed the way that transactions are posted in multi-store databases. Now, if the store posting a payment is not the originating store, the transaction will get posted for the originating store instead of the store doing the posting.
21. The End of Day Summary has had fields added to track payments posted by another store.
22. The Cash Drawer will keep track of payments posted for transactions recorded at another store.
23. Added ability to have the program shortcut pass a program description as well as an alias to Cash Advance Pro. This allows multiple icons setup on the desktop for multiple databases.
24. The login screen has been optimized for remote access so that it does not reload again if an invalid password is entered.
25. Added ability to erase all customers, loans, transactions, bad checks, and operating summaries so that demo systems may be cleared easily for starting a new system.
26. Added a loan report for “Recovered Charge-Offs” which are Charge-Offs with no balance due.
27. Removed the ability to delete customers from the cash check transaction.
28. Added ability to search for a transaction number in the View / Transaction Log screen.
29. Added ability to search bad checks and also enabled the grid to color the sort column.
30. Added ability to edit Held Check No in the Loan Detail form.
31. Changed the previous renewal number on the Renew Loan Transaction screen to properly reflect the previous renewal number. It was actually showing the current renewal number.
32. Fixed a problem whereby the Charge-off and Void Loan transactions were subtracting the balance of the loan rather than the principle of the loan from the outstanding loans field of the customer record. This sometimes resulted in too much of a deduction and caused the outstanding loans field of the customer record to become inaccurate.
33. Added ability to print archive report files so that reports can be printed to an archive file and then emailed to another location for printing there. This new feature is located under Reports / Archived Files.
34. Added security level for Change Database access. It was set to “trusted employee level” but now has its own setting in the Profile.
35. Added options to the Transaction Reports screen to select “Only For Store” and “Only By Store” type transactions. This will be of interest to multi-store databases.
36. Added the store number to many transaction reports to help identify the store number of the transaction. This is of interest to those with multi-store databases.
37. Updated Help File.


Cash Advance Pro 4.5 — 7-19-03
Note: Updates Version 3.5 or higher to 4.5
If you customize your reports, you should back them up before updating. This update will overwrite some of the standard reports.

1. Added EFT/ACH support for payments on bad checks.
2. For better clarity to new users, the label of a button was changed in View / Drawer from “Balance Drawer” to “Adjust Drawer.”
3. Added ability to charge a check cashing fee in addition to a percent of the cashed check amount.
4. Added ability to charge a loan fee using a formula. This offers better support to users in Iowa.
5. Added increased ability for blocking multiple loans, and for blocking loans to customers who have bad checks in the system.
6. Changed the way bad checks are charged-off so that now the bad check debt is removed from the loan record.
7. Added ability to set a security level for access to charging-off and voiding loans.
8. Added ability to set a security level for access to renewing a loan.
9. Added ability to set a security level for access to bad check transactions.
10. Added ability to set a security level for access to operating summary.
11. Added ability to set a security level for access to custom reports.
12. Added ability to set a security level for access to non-cash adjustments.
13. Changed security for erasing bad checks, customer records, and bank records to the full access level of 99 instead of the high manager level of 95.
14. Updated Help File.


Cash Advance Pro 4.4 — 4-5-03
Note: Updates Version 3.5 or higher to 4.4

If you customize your reports, you should back them up before updating. This update will overwrite some of the standard reports.

1. Fixed a problem introduced in previous update that caused some Paydown transactions not to work right if the interest method in the Profile settings was set to simple (S).
2. Added ability to link to website and send email by a click of the mouse on the Help / About screen.
3. Fixed a rounding problem that caused a non-cash adjustment done on some renewals to block doing the renewal unless a penny less was being posted.
4. Fixed a problem with charging-off some loans (if status was New or Renewed) if the interest method was set to simple (S) in the profile settings.
5. Changed Profile Settings so that when it is exited, users must log in again (done for security purposes).
6. Updated Help File.


Cash Advance Pro 4.3 — 2-22-03
Note: Updates Version 3.5 or higher to 4.3

If you customize your reports, you should back them up before updating. This update will overwrite some of the standard reports.

1. Added support for Electronic Funds Transfer (EFT) / ACH. Loans may be created as an ACH type loan, and payments may be made using EFT/ACH.
2. Added ability to right click on New Loans customer list to give a popup menu that allows either going to the Edit Customer form, or showing the View Loans form which shows all customer loans and transactions.
3. Changed the previous loan status of “Discarded” to “Voided,” which is a term more familiar in the industry.
4. In some bank deposit situations of erroneous entries, especially during correction efforts to fix erroneous bank deposit entries, the number of checks or money orders in the drawer could get offset. The bank deposit form has been modified to allow changing the N columns without posting a bank deposit. Simply post the bank deposit with a total of zero but with changes for the N value and the changes will be recorded.
5. Modified Daily Operating Summary to reflect Credit Cards and EFT/ACH in the bank deposit.
6. Corrected a problem with Paydown transactions under certain situations was not paying off interest on subsequent payments, and also some problems with paying down legal status loans. (3-11-03)
7. Changed behavior for Profile Setting of Preview Contract to allow setting the default number of copies. Previously, number of Contracts to Print had to be set to 0 for Preview Contract to allow previewing the contract. (3-18-03)
8. Fixed a problem whereby when a new store number was added when previous stores were already functioning the system would not close end of day. (3-18-03)
9. Store Checks Written on the Operating Summary will now update when a check is cashed using currency type of Check. (3-18-03)
10. Updated Help File


Cash Advance Pro 4.2 — 2-5-03
Note: Updates Version 3.5 or higher to 4.2

If you customize your reports, you should back them up before updating. This update will overwrite some of the standard reports.

1. Fixed problem where speed button for Profile Settings was not disabled when low security personnel first logged in.
2. Modified Operating Summary Report to include bad check debt in total outstanding figures.
3. Created a new subtotal in the Operating Summary Report that sums the Total Active Loans.
4. Added “Single” as a marital status option.
5. Added feature to have Change Due cleared when going into a new transaction.
6. Added ability to verify bank account number when doing a new loan. See Profile Settings{linkID=180} to enable this feature (under Loans Category).
7. Updated Help File.


Cash Advance Pro 4.1 — 1-29-03
Note: Updates Version 3.5 or higher to 4.1

If you customize your reports, you should back them up before updating. This update will overwrite some of the standard reports.

1. Fixed problem where system required an entry for the Amount Tendered on transactions to Satisfy Loans, Paydown Loans, and Renew Loans. 1-15-03
2. Added ability to change database alias at File / Change Database. 1-16-03
3. Changed behavior of New Loan screen for users who have Profile Settings setup not to change the interest amount when the term is changed. When the loan amount is changed after changing the term, the system will now recalculate the interest due based upon the default loan term rather than using the term entered in the loan length box. This allows the APR to remain unchanged when changing the Loan Amount. 1-16-03
4. Added ability to edit last transaction number of a customer if security level is 99. This allows easily repairing a problem if a customer is mistakenly erased from the system and a transaction reversal is desired.
5. Added Held Check Number to Transaction Report with Names.
6. Added StoreNo to some reports.
7. Fixed a problem whereby paydown transaction under certain situations was incorrectly reporting the check status as being returned to the customer.
8. Added ability to edit held check status on loans if security level is 99.
9. Added two loan reports to group satisfied loans with outstanding balances with active loans. This allows grouping loans with bad checks with loans that are active for collection purposes. In version 4.0, the outstanding loan reports were changed to include these satisfied loans, but this was undesirable for some users, so those reports were changed back to be like they were prior to 4.0 and these two new reports were added.
10. Added a calculated balance field for the loans table so that receipts for paydown loans and satisfied loans can show the balance due on the receipt. The receipt template also was changed to show this balance due.
11. Updated Help File.


Cash Advance Pro 4.0 — 1-13-03
Note: Updates Version 3.5 or higher to 4.0

If you customize your reports, you should back them up before updating. This update will overwrite some of the standard reports.

1. Added ability to save additional forms and letters. Read the help file for instructions.
2. Added ability to cancel loans through a discarded status.
3. Added ability to add various customized operating summaries. Read the help file for instructions.
4. Added ability to select the currency type given to the customer when cashing checks.
5. Added ability to select customer status and mail codes when running customer reports.
6. Added ability to block changing dates on transactions.
7. Added ability to block putting out more than one loan to a customer.
8. Fixed a problem with custom reports new data query not selecting the correct database setting by default and thereby not showing any tables when starting a report query.
9. Changed behavior of pressing the Enter key (carriage return) on most transaction forms so that it will search for the search string rather than post the transaction.
10. Added ability to enter the amount tendered and show change due to customer.
11. Added an easier way to change which database is connected.
12. Added a debit memo number entry when doing miscellaneous receipts.
13. Added statistics to loan detail form to show the fees collected to date and what percent of the original loan amount it represents.
14. Added a customer report to group by advertising source.
15. Changed loan report “Customer Checks Held” to sort by due date.
16. Added several new customer reports.
17. Added ability on bad check reports to specify date range for numerous types of dates.
18. Added ability to filter most reports by Store Number by checking a box.
19. Changed rounding behavior so that the APR specified for a loan range will round down in calculations so that the APR will more exactly represent the maximum APR.
20. Added ability to restrict Paydown transaction to high manager level or full access level. Use Profile Settings to specify.
21. Added ability to specify the minimum amount to principal on renewals as an amount rather than as a percent. Use Profile Settings to set this behavior.
22. Changed behavior of User Setup so that when leaving the form, user must log back in the system.
23. Added save buttons to numerous forms, such as Profile Settings.
24. Added ability to sort Profile Settings on category or id.
25. Added new labels to transaction detail form to show more clearly the available information on the transaction when it is a non-account transaction, such as EOD.
26. Changed the way Satisfied Outstanding and Loans Outstanding Reports run so that loans with bad checks will show up in them.
27. Changed Profile Settings to full access level. This was necessitated from several changes to the profile settings.
28. Fixed problem with charge-off loans always changing the drawer to show the check was returned. Now it will look at the status of the loan and not change the drawer if the check was already returned before being charged-off.
29. Added CustNo to Loans Outstanding by Due Date report.
30. Fixed a problem with the calculator on the late fee on Paydown transaction not inserting its value correctly when the equal sign was clicked.
31. Added ability to view other cash drawers for employees with a trusted security level.
32. Updated Help File.


Cash Advance Pro 3.5 8-30-02
Note: Version 3.0 through 3.4 systems may be updated directly to version 3.5.

If you customize your reports, you should back them up before updating. This update will overwrite most of the standard reports.

Version 3.5 contains the fix to several minor problems discovered and reported by users using version 3.4. In addition, the following enhancements have been added.

1. Added a report called “Customer Checks Held” to the Loan Reports group.
2. Added a report called “Active Loans by Loan Number” to the Loan Reports group.
3. Added a report “Store Checks Written” to the Transaction Reports group.
4. Modified five of the loan reports to add additional requested fields, such as Loan Type and Held Check Number. The Outstanding Loans and All Loan Reports are among those modified.
5. Added a Transaction Type 248 to the system to provide an audit trail for when the system date is changed by the user.
6. Added a Profile Setting called “Default Satisfy Method.”
7. Fixed a problem whereby memo alert labels were not reflecting correctly for the loan selected in a grid.
8. Fixed a potential problem whereby a user could click the button twice to run End of Day and get an extra close out report which then blocked them from doing another End of Day.
9. Added a repair feature for high security level users to delete the last operating summary.
10. Changed many of the Ok buttons to read Post or Save instead of Ok.
11. Fixed a problem whereby paydowns with late fees were not updating the drawer properly.
12. Changed Paydown status loans not to assess additional late fees automatically.
13. Added ability to edit the id number of a drawer from the drawer maintenance screen.
14. Added payment check numbers to receipts.
15. Added more information fields to Transaction Detail form.
16. On 9-30-02 and 10-1-02, changes were made to fix a problem with the Register button not working on the login screen.
17. Updated Help File.


Cash Advance Pro 3.4 8-19-02
Note: Version 3.0 through 3.3 systems may be updated directly to version 3.4.

Version 3.4 represents a significant update over previous ones, adding numerous end user reporting enhancements and incorporating changes to comply with new Missouri law going into effect on August 28, 2002. The ability to support fee based cashing of checks also has been added.

1. Added an option to cash checks for a fee. This option records a transaction for each check cashed and ties them to the customer file for a clear transaction history on the customer. Fees collected for cashing checks are consolidated on the operating summary with the paydown month-to-date and year-to-date revenues.
2. Added a Custom Report option whereby unlimited reports may be customized, saved, and organized by the end user.
3. Changed the Bad Check option to support Transaction Reversals and to allow better tracking for reports. Bad Checks now records one of three transaction types: Bad Chk Entered, Bad Chk Pmt, and Bad Chk Modified. Bad Checks also now tie into the loan records with which they are associated and they calculate into the balance showing on that loan.
4. Added numerous reports to the Transaction Reports menu, including: Miscellaneous Receipts Petty Cash reports subtotaled by Reason Code, Bank Deposit report, 3 Bad Check reports, Cashed Checks report, and Transactions by Transaction Type report.
5. Added numerous features to support new Missouri laws going into effect on August 28, 2002. These include options to notify the user when a specified number of renewals has taken place, and a notification of when all fees are going to exceed a specified percent of the original loan amount. The system will automatically recalculate fees correctly to comply with the new law, and it will notify the user when it has done so. Many other requirements of the new law have already been part of Cash Advance Pro’s capability and require only a change to the profile settings. A new version of the Missouri Contract has been created and is available.
6. Added a new Interest Method called Modified Interest Method, which acts like simple interest up to the term of the loan, then caps the interest amount charged to the interest amount established on the loan.
7. Added ability for those using Contract Interest Method to recalculate interest based upon the dates entered on renewals and satisfied loans. This ability is user selectable by a clicking a check box called “Recalc Interest.”
8. Changed operating summary to summarize information about bad checks, such as the number and amount of active bad checks, and the today, month-to-date, and year-to-date figures for bad checks entered and bad check payments.
9. Added “read memo” and “read note” alerts to the Edit / Customer option to make note alerts more visible when editing customer information.
10. Modified paydown and charge-off options to use the calculated balance due rather than the contract balance.
11. Added option to Profile Settings that allows forcing simple interest type calculations on systems setup to use the contract interest method when the age of the loan is less than a specified number. For example, Louisiana requires allowing a refund of some of the interest within the first five days. This option allows automatic compliance with that law.
12. Added label to Operating Summary menu to show how many reports are available.
13. Added a user friendly feature to have the login dialog automatically highlight the last user who logged in and set the focus for receiving a password entry. This facilitates entering the password immediately rather than clicking on a name first. If the program is exited, the user who last closed out the End of Day is highlighted by default when the login dialog first appears.
14. Added a Legal Status for loans to distinguish loans with a legal judgment from other loans.
15. Added a Profile Setting to skip recalculating the interest amount due when the term is changed.
16. Added ability to have a minimum loan fee assessment.
17. Added ability to calculate the default loan fee as a daily percentage multiplied by the loan amount and term of the contract.
18. Added a database timeout specification to the profile settings to allow older, slower computers to complete long reports.
19. Updated help file and changed its name to Cap.hlp, and also moved it out of the help folder and into the folder Cash Advance Pro.


Cash Advance Pro 3.3 6-1-02
Note: Version 3.0 systems may be updated directly to version 3.3.

Version 3.3 represents various minor interim fixes done primarily for new customers. Not all fixes and changes are listed here. After 3.3 was released on June 1, 2002, numerous interim fixes were released until July 8, 2002.

Please note change number 2 if you use the Contract Type Interest Method. This update will necessitate you making changes to the Interest Rates recorded in the profile settings.

1. Made numerous changes to accommodate foreign currency, such as guilders used in the Netherlands.
2. Changed the way the interest method is entered for Contract Interest Method. The interest rate entered should be the daily interest percent. This facilitates contract interest calculations for differing terms. The interest rate may be calculated as: IntRate=(IntAmt/LoanAmt/LoanTerm)*100. For example, if you charge $15 for $100 loaned for 14 days, then the Interest Rate is calculated as ($15/$100/14)*100 = 1.0714285.
3. Help file has been updated.


Cash Advance Pro 3.2 4-30-02
Note: Version 3.0 systems may be updated directly to version 3.2.

1. Added Report Designer capabilities for all reports and forms currently configured. This means the user can modify all forms, letters, and reports. A security level of 99 is required. See help topic “Report Designer” for more information.
2. Added ability to access tabs by keyboard in Edit / Customers.
3. Added ability to see Cash Loans in the drawer cash flow reported on the End of Day Operating Summary.
4. Added store and manager information to the bottom of the End of Day Operating Summary.
5. Added Bad Check summary calculations to end of day processing. The operating summary has not yet been modified to show this information, but this will likely be done in the next update. The fields also can be added by the end user using the report designer.
6. Added ability to make setup for new stores easier.
7. The help file has been enhanced and updated.


Cash Advance Pro 3.1 4-16-02

1. Added a Reference 4 field to the Customer record
2. Added “Neighbor” as a reference relationship
3. Added ability to disable 3 edit fields in “New Loan.” See Profile Setting 50.
4. Added a bad check total due field for reports based upon partial payments already made.
5. Fixed a rounding error in Paydown Transactions which would happen only with certain numbers.
6. Added support for a Canadian version, so that labels such as “State” becomes Province, “Zip Code” becomes “Postal Code” and “SSN” becomes “SIN.”
7. Updated Help File