Drive business with a fast, flexible and scalable platform
Bring speed, scale and ease to your auto finance lending and leasing business while growing your market share. Our automotive finance solution offers end-to-end efficiency via two modules that can standalone or be combined.
Linedata's point of sale/underwriting module manages your sales process and automates contract origination and underwriting with configurable workflows and a decision engine. Our contract management system (CMS) module optimizes the daily servicing of your contracts with full CMS functionality.
Solutions for wherever you are in your financing journey
Mobility: Access your auto finance solution on any device
• With our mobile app, you can set pricing, prepare proposals, submit credit applications and automatically push changes to your configured workflows in real-time without leaving the sales floor.
• Integrate services with your own portal, mobile applications, partner solutions and website to generate quotes, manage documents, trigger workflows, launch the e-signature process and more.
• B2C web services link borrower data to your mobile banking app allowing your customers to access contract details and trigger actions such as adding a new service or reporting early repayment.
Point of sale: Give your customer a decision in seconds
• Our automotive finance solution can be configured to auto-decision within your unique business parameters helping you to quickly secure the auto loan or lease.
• Robust workflows streamline data analysis and risk management, and every part of the process is configurable to match your business practices and protocols.
• Open APIs allow for integration with external systems creating transparency and shared information within your ecosystem.
• Manage commissions for salespeople, brokers, dealer networks and more.
Underwriting: Manage risk with consistency and efficiency
• An auto finance embedded credit decision engine automatically analyzes applicant contracts, payment history and credit bureau checks.
• Key borrower information is gathered and presented in a convenient and fully customizable 360 view.
• To facilitate final customer approval, documents are easily generated and sent electronically for e-signature.
• Each decisioning and underwriting stage is streamlined with configurable workflows to save time and create efficiencies while maintaining your credit policies.
Auto finance Contract Management System (CMS): Long-term customer support
• Manage automotive loans or leases including vehicle, insurance and services within one contract.
• Monitor payments and account changes, support full-service contracts, manage insurance claims and early terminations and more.
• Rich end-of-term capabilities include re-lease, loan extension, re-negotiations, remarketing and more.
• Even after the vehicle is paid off, service history and insurance details are archived to support a long-term customer relationship.
After-sale collection: Identify and manage delinquencies
• Our automotive finance solution identifies late payments on contracts and unpaid accounts beyond your grace period.
• Printed or electronic communications are automatically sent to the borrower, providing a reminder to submit payment.
• When an account remains delinquent, the workflow initiates escalation steps with more formal communications. If escalation fails, repossession services or legal proceedings are triggered and tracked.
• The impact of unpaid loans/leases is reflected in your accounting ledger, helping you maintain accurate profit and loss estimates.
Discover our services
Digitalization
No matter where you are on the path to digital transformation, our solutions support you.
Professional and hosting services
From implementation to training to long-term hosting, we’re dedicated to ensuring our solutions meet your unique needs.
Remarketing
We help you remarket assets within our portal and allow you to share your portfolio with interested third-parties.