Unleash profits from your vehicle stock

Many customers wanting to buy a car, motorcycle or electric bike require a financing option. Open a new business line and start providing loans, rental products or lease options, inGain's no-code loan management platform empowers you to provide efficient and seamless financial services to your customers.

<5 min

To onboard a customer and prepare a fintech product offer

100%

Automation of each customer engagement and service step.

80%

Reduction in technology and operations maintenance costs.

<5 weeks

To launch operations in new markets and test new products.

Maximise returns on yourcapital and vehicle fleet

Margins on car sales are limited and shrinking over time due to amortization. Besides, part of vehicle stock is not being sold within 12+months, thus generating opportunity cost losses. Embed fintech products into customer journey and start generating higher customer lifetime value e.g.rent-to-own provides extra returns during the rental period and profits at point of sales.

inGain SaaS Loan Management System is a leader in Loan Origination on G2

Serve traditional loan products

or develop a new vehicle financing product for your customer segment

Car loan

Provide car loans directly to consumer. Adjust terms and calculation methods based on interest rate, commission, penalties & grace period and early repayment.

Car leasing

Issue operational and financial leases providing a customized user journey. Track and manage multiple collaterals including valuation, insurance, technical inspections, asset ownership transfer and related taxes.

Car subscriptions

Let your capital work for you by providing your customers with flexible rent to own or rent to purchase options. Track and manage car fleet in one single system.

Dealer financing

Provide your partners with loan offer in minutes through our white label loan application portal. Calculate merchant fees, customer approval and vehicle value instantly.

Reverse leasing

Serve customer's consumption needs, by providing vehicle based loans. Setup a fixed payment schedule or manage an open credit line.

B2B vehicle financing

Provide your finance product to other businesses (B2B) such as deferred payment option, operational leases, financial leases and subscriptions.

Crowdfunding

Have demand for vehicles, but not enough capital to finance the fleet? Launch a crowdfunding platform to allow investors to back your business up and earn an interest.

Any vehicle financing

Lease, rent or otherwise finance vehicles other than cars such as motorbikes, scooters, electric bicycles, yachts, hang glider etc.

Your capital and your vehicle fleet needs to work for you

You invest in your fleet, financing products are a way to extend your customer lifetime value. Example: rent-to-own provides extra returns during the rental period and profits at point of sales.

Car purchase is impulsive, don’t miss the customer by evolving business model

Be the first to provide a vehicle loan, leasing, subscription and rent-to-own offer in a fully automated way using inGain’s system. Close the deal and don’t pass the profits to banks and lenders.

Attract capital via crowdfunding platforms

Diversify your sources of capital and scale your portfolio. Attract alternative capital via launching your own crowdfunding platform or run investment campaigns with an existing crowdfunding platform partner. inGain has a ready solution for both strategies.

Launch and scale without a hassle of technology management

Application processing

Acquire leads from affiliates and brokers, generate organic traffic. Set hard knock-out rules, connect to third party data vendors, run scoring and prepare risk adjusted loan offer. Capitalize on rejected leads.

Loan origination and servicing

Sign loan agreement and disburse the money via payment gateways. Reconcile incoming payments and perform daily loan recalculations for interest, fees and late penalties.

Debt collection

Track non-performing loan portfolio, automate communication regarding the payments, track promises to pay, offer customers flexible payment schedules or complete loan restructuring.

Collateral management

Register collateral associated to a loan. Manage valuation, insurance and sale of an asset.

Single platform

A single, end-to-end platform eliminates the need to integrate and manage separate third party systems for CRM, underwriting, loan servicing, payments, communications and debt collection.

Design new products

Product engine allows setting up new products easily. Customize instalment, credit line and bullet loan calculation methods to match your unique business model.

Risk adjusted offerings

Leverage scoring and decision engine to tailor your loan offer based on customer’s affordability, risk profile and loyalty.

Loyalty and campaigns

Design loyalty and marketing campaigns. First 60 days interest-free, Xmas season's stockpiling discount - it’s easy to configure using our loan management system.

Communication orchestration

Streamline communication with your customers. Draft templates and setup triggers for automated omni-channel interaction.

Leverage fintech ecosystem

Choose from a list of our existing third party vendors or add new ones for customer acquisition, KYC & AML, data enrichment and payment gateways.

Enhanced debt collection

Streamline communication and provide convenient payment options. Track promises-to-pay and offer customers a self service desk to restructure debt. Cooperate with debt collection agencies.

Collateral management

Manage different types collateral for secured loans including vehicles, property, equipment and warrantors. Manage valuation, insurance and asset management related operations.

Analytics and reporting

You own the data. Use our readily available statistics dashboard or connect your own BI tools for meaningful insights about your business in real time.

Quick start of cooperation

Start from scratch, integrate within existing infrastructure or migrate from another loan management system, our team of experts will make sure your onboarding is quick and smooth.

Ready from shelf, yet customizable

inGain’s SaaS loan management system is highly configurable, yet we offer IT customization services to meet your specific requirements.

Client Stories

Hear from our satisfied clients

Auto rental has specific requirements that don’t apply to other industries in the market. We needed an experienced partner in the fintech industry to bring us the tailor-made software solution that could help us streamline our business.

Miroslav Kološevski

Founder of Current auto

Our goal is to scale the business by leveraging technology and automation instead of continuously growing headcount. We configured inGain's loan management system to reach our objective.

Santa Lemsa

Founder of Simpleros,
ex- 4Finance & Robocash

We required a reliable and scalable IT system to support our product and Jordanian market specifics. inGain was able to quickly adapt their system to our needs, which meant that we could focus on marketing and sales.

Matiss Ansviesulis

Co-Founder of Money.jo, CreamFinance Group and Esketit

inGain has been our trusted partner for over 8 years now. We are very pleased with their service and technology being flexible and adaptive to our fast-paced industry and ever changing business requirements.

Jekaterina Stukalina

Founder of Orange finance

Over 60 companies used inGain to launch fintech products quickly:

FAQs

Find answers to the most common questions:

Which industries use inGain's loan management system (LMS)?

Any industry that requires customer onboarding, loan origination and servicing, debt collection and various automated flows. We serve both consumer and business, secured and unsecured fintech products based on various loan calculation methods including instalment loans, line of credit and bullet loans.

Can inGain's LMS be adapted to individual business needs?

Yes. The system is an off-the-shelf solution, but can also be configured for specific business requirements using no-code interface and further customised leveraging IT custom development services.

Can I use inGain's LMS to launch my product in a new market?

Yes. Our fast, lightweight LMS is particularly well suited for testing new products and markets. It provides an end-to-end solution or may partially leverage your existing infrastructure (e.g. customer acquisition channels, decision engine, data connector).

Does inGain's LMS work out of the box?

Yes. The system is ready to facilitate an end-to-end loan management process according to your business requirements. It enables fully automated processes, as well as, manual intervention where needed.

Can I manage the communications module without an IT team?

Yes. Our no-code solution enables you to edit messaging templates, create triggers for automated notifications and reminders, as well as, set up various communications campaigns.

Can I manage credit scoring without an IT team?

Yes. Our decision engine allows users with respective permission to edit or change decision rules and cut-off points without IT involvement.

Does inGain's LMS provide for payment processing?

Yes. Payment processing is ensured via an API integration with a payment services provider of your choice.

What deployment types of inGain's LMS are available?

Our SaaS loan management system is deployed on a dedicated server infrastructure in a public cloud. To follow local personal data processing requirements, we may deploy in your country of origin.

By clicking “Accept All Cookies”, you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. View our Privacy Policy for more information.