Loan decisioning built for vehicle lenders.

Yes. The ORCR (Official Receipt / Certificate of Registration) and equivalent title and registration documents are core vehicle documents Floowed is built to read, including photographed, faded, and stamped pages. It extracts the registered owner, plate, VIN and chassis, engine number, make, model, year, and the encumbrance annotation into validated data.

Yes. Floowed matches the VIN, chassis, and engine number on the title to the photo of the VIN plate or etching, and the make, model, and year to the photos of the vehicle. Mismatches are surfaced as fraud signals, a cloned, swapped, or misrepresented unit, before the application reaches a credit officer.

Yes. Floowed reconciles the name across the title, the government IDs, the payslip, and the utility bill, so a file where the registered owner is not the borrower, or the documents belong to different people, is caught automatically. You decide whether a name mismatch is a hard decline or a score that routes the file for review.

Yes. Floowed reads the date on a utility bill or proof of billing and checks it against your recency rule, for example under 90 days old. A stale document fails the gate or lowers the score, whichever your policy sets, so proof of residence is verified rather than just collected.

Yes. The encumbrance or mortgage annotation on the title shows whether the unit is already financed. Floowed reads it and applies your clean-title rule automatically, so an already-mortgaged vehicle is gated before it can be financed twice.

You set the rules, Floowed runs them. It caps the loan to your loan-to-value against the appraised value, and enforces your vehicle-age and year-model cutoffs (and brand-origin rules for heavier units) on every application, with the unit and the values recorded on the decision.

Yes. OR/CR collateral lending, where the borrower keeps the vehicle and the title is the collateral, is a core use case. Floowed reads the ORCR, matches it to the unit, checks for a clean lien, and runs your policy, including refinancing of an existing unit.

Floowed runs your valuation into the decision. Bring your appraisal, a book or market value source, or your own valuation model, and Floowed feeds it into the LTV calculation and your policy. We orchestrate the decision, we don't replace your valuation.

Yes. A fleet is a book of vehicles, and Floowed decisions each unit the same way: title read, VIN and make matched to the vehicle, name and lien checked, and your policy applied, across the whole book rather than one spreadsheet at a time.

No. Floowed runs your policy. You set the LTV caps, vehicle-age limits, clean-title rules, and matching requirements, and Floowed enforces them on every application, with version history and an audit trail. It is the engine that applies your policy, not a scoring model that overrides it.

Basic OCR reads text off a page and stops there. Floowed reads vehicle documents of any quality, cross-checks the title against the vehicle and the rest of the file, checks the lien, validates the data, then feeds the clean result into your own credit policy to reach a decision, with the documents, the data, and the reasons all on record. It is a loan decisioning platform, not an isolated extraction tool.