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.

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<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.

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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.

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Customer application processing

Verify customer identity and meet compliance requirements at the point of application. Integrates with leading KYC third-party solutions for ID verification, AML screening and beyond — fully embedded into your onboarding flow.

Loan origination

Capture leads and process applications end-to-end. White-label frontend with calculators, registration flows, and a customer portal — all customizable and ready to connect with third-party data and decision engines. Affiliate and broker management.

Underwriting

Configure multi-step decision engines with knockout rules, expert scorecards and score-based decisions — and assign them to specific product workflows. Connect third-party data sources including credit bureaus, blacklist data, open banking and your own internal scoring model. Pre-scoring supported.

Loan servicing

Auto-generate and recalculate repayment schedules with clear principal, interest and fee splits. Reconcile payments via gateway integrations or bank file upload. Customer self-service portal for repayments, rescheduling and extensions.

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