Captive finance

End-to-end solution to manage any loan, lease or stock financing based on our Hi-Flex Architecture

Front-end designed for dealers (mobile/tablet/PC)
Multiple-quotation customer offer
Credit Application
Leasing proposal (with e-signature)
Contract lifecycle management + collection
Business process management approach
IFRS/local GAAP accounting modules
Can be integrated to existing accounting/financials
Covering all regulatory fulfillments for Financial Institutions

Manage any lease: cars, equipment, real estate, ships, airplanes or helicopters

Quotation and offer

Quotation and offer, Multiple quotations, Quotation on mobile + chat line, Integration with social media, Dealer network offer, E-signature, Push messaging, Price engine configuration, Commissioning rules, Subsidies and contributions, Integration with existing Customer Database, Integration with corporate CRM

Credit granting and proposal

Credit application, Workflow sales network/credit office, Credit worthiness evaluation, DSS integration/risk at group level, Credit Scoring, Appraisals (finance lease), Customer frame agreement, Supplier frame agreement, Connectors to Credit Bureau Database, Credit granting, Push messaging, E-signature

Contract lifecycle

Contract lifecycle, vents management, Asset lifecycle management, Asset based financial schedule, Contract portfolio management, Payable / receivable / delay management, Services management, Commissioning, Contract rescheduling / negotiation / extension, Subsidies regulation management, Delayed / postponed repayment plan, Car logistic management, Rent / interests billing

Risk management

Collateral warranty execution, Credit recognition, Credit impairment, Credit collection features, Insurance policies, Asset repossession

Accounting

Integration with existing G/ledger. LOCAL GAAP: General Ledger, Customers/ suppliers/ bank ledger, Closures/fulfillments. IFRS / IAS: General Ledger, Closures, Treasury management, Securitization, Syndication

Regulatory compliance

Complete coverage of Data Contribution to local regulatory Institutions: Anti-money-laundering module, Anti-terrorism module (OFAC/ONU e EU), Anti-usury, Bank-transparency Compliance module, Bank of Italy data contribution, Bank of Italy Risk Register contribution, Balance sheet financial addendum (Nota Integrativa), Bank referres module (Italian law Art. 136 T.U.B.), Tax Office data contribution (Anagrafe Rapporti), Tax Office surveillance (Spesometro), Credit Bureau data contribution (Assilea, CRIF), Historical losses module (Storico Perdite)

Manage any lease: cars, equipment, ships, airplanes or helicopters

Quotation and offer

Credit granting and proposal

Contract lifecycle

Risk management

Collateral warranty execution, Credit recognition, Credit impairment, Credit collection features, Insurance policies, Asset repossession

Accounting

Regulatory compliance

Manage any loan on cars, equipment, ships or airplanes

Quotation and offer

Quotation and offer, Multiple quotations, Quotation on mobile + chat line, Dealer network offer, E-signature, Push messaging, Price engine configuration, Commissioning rules, Subsidies and contributions, Integration with existing Customer Database, Integration with corporate CRM

Credit granting and proposal

Credit application, Workflow sales network/credit office, Credit worthiness evaluation, DSS integration/risk at group level, Credit Scoring, Connectors to Credit Bureau databases, Credit granting, Push messaging, E-signature

Contract lifecycle

Contract lifecycle, events management, Contract portfolio management, Payable / receivable / delay management, Services management, Commissioning, Contract rescheduling / negotiation / extension, Subsidies regulation management, Delayed / postponed repayment plan, Rent / interests billing

Risk management

Collateral warranty execution, Credit recognition, Credit impairment, Credit collection features, Insurance policies

Accounting

Regulatory compliance

Manage stock finance: dealer floor plan

Frame agreeent Definition

Commission fees, Sundry fees, Specific credit lines

Credit granting

Credit and contract approval, Disbursment, Commission calculation, Commission accounting, Commission invoice, Sundries accounting, Sundries invoice

Dealer floor plan

Advance interest management, Calculation, Invoicing/netting, Deferred interest management, Calculation, Invoicing, Reporting

Risk management

Credit recognition, Credit impairment, Credit collection features

Accounting

Regulatory compliance

Solve your problems with Hi-Flex architecure

SOA

A clear and well documented software service catalog allows you to increase development and system integration velocity, while cutting costs and time spent on supporting evolving business processes.

Mobile

Delivering rich-media content to mobile devices enhances sales effectiveness and gives access to marketing content

Cloud

Our cloud enabled solution can help improve enterprise flexibility and efficiency towards on-demand computing environments.

Dematerialization

Get rid of paper. With the Electronic Document Management and e-Signature features, our solution can help save time and money while securing the legal value of all contractual documents and underwritings.

BPM

Switch on the BPM feature to fully govern complex and dynamic business networks and build process improvements within your business.

Platform independent

Plug it into your existing infrastructure: any Java or Oracle compliant infrastructure will do the job.