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← Lending Vehicle financing

Credit decisioning built for vehicle lenders.

In vehicle lending the collateral is a document. Floowed reads the registration, matches the VIN and owner to the photos and the file, checks for a lien, then runs your LTV and vehicle-age policy.

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One vehicle file · Application #7038Recommendation ready

Registration certificate

Photographed, faded
VIN, 17 characters
Read
Registered owner
Matches applicant

VIN plate and vehicle photos, 6

Phone photos
VIN on the plate
Match
Make, model, year
Match, 2021

Valuation report

PDF
Market value
1,180,000

Lien check

Registry
Encumbrance
None on record

Proof of income

Payslips, 3 months
Net monthly income
68,000

Cross-checked

VIN: certificate, plate and photosMatch
Odometer against the valuationAbove valuation mileage
Loan to value64%, under the 70% cap

Credit policy

Hard gates6 of 6
Vehicle age5 years, within policy
Approve at 64% loan to value.Valuation revisited for mileage.Recommended, a credit officer decides

The collateral on paper isn’t always the one on the lot.

  1. 01The collateral is a registration or title, and it arrives photographed, faded and stamped.
  2. 02The VIN, engine and make on the title have to match the car in the photos, or you may finance a cloned or swapped unit.
  3. 03The name on the title, IDs, payslip and utility bill all have to be the same person, with a recent proof of address.
  4. 04An existing lien, an out-of-policy vehicle age or an LTV over your cap has to be caught the same way at every branch.

Every document behind the vehicle.

Read into clean, validated data, whatever state it arrives in: scanned, photographed, stamped or handwritten.

Title / registration certificateRegistration renewalDeed of sale / invoiceVIN / chassis numberEngine numberVIN plate photoVehicle photosLien annotationInsuranceOdometer / mileageAppraisal / valuationGovernment IDsProof of residenceProof of income

Every document, checked

The paper, the car and the person have to agree.

  • VIN and chassis matched to the plate photo
  • Make, model and year matched to the photos
  • Borrower name reconciled across every document

Your policy, every time

Encode your vehicle rules once.

  • LTV capped against the appraised value
  • Vehicle-age and year-model cutoffs
  • Clean-title gate, no double financing

Decided at the point of sale

Vehicle lending is won on speed.

  • A decision in minutes, not hours
  • Every approval with its full reasons
  • The same rules at every branch
15h → 15minOne application at Alon Capital, before and after
AnyQuality of document it reads
3 sourcesSystems, bureaus and documents, reconciled

Every way you lend against a vehicle.

Title loans

Lend against the registration while the borrower keeps the vehicle.

Car financing, new and used

Underwrite against an appraised value and your LTV, with the unit verified first.

Truck and commercial vehicles

Heavier units with their own year-model rules, on the same policy.

Fleet financing

A book of vehicles at once, each unit read and matched to its title.

Decide every unit in minutes.

Start free with $80 of credits, or talk to us about your book.

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