Accelerating and Securing Financing at the Dealership

Context

A mid-sized European automotive group, comprising 40 to 50 dealerships and a network of 300 to 400 salespeople, processes between 20,000 and 30,000 financing applications each year. Credit, leasing, and long-term rental offers are provided at the point of sale, with business processes shared between sales teams, back-office teams, and financial partners. Growing volumes and increasing regulatory complexity were driving the group to rethink its operating model.

Business Challenges

• Financing application processing and decision times were too long: The manual processing of financing applications slowed down the customer journey. From document collection and data entry across multiple tools to exchanges with financial partners, an application could take several hours — or even several days — before a decision was reached.
• Regulatory compliance was difficult to manage at scale: With IFRS, ACPR, and ECB requirements in place, each application had to meet strict criteria for supporting documents, scoring, and documentation. Decentralized manual checks across dealerships created inconsistencies and increasing regulatory exposure.
• Limited visibility into default risk: The lack of predictive tools made it difficult to anticipate payment defaults and anomalies at an early stage. The network was reacting to defaults rather than preventing them, directly impacting portfolio profitability and customer relationships.

Solution Implemented with e-FLO Finance

• Automated financing application processing: Document collection, verification, and application structuring were automated. Salespeople have access to a guided workflow that reduces manual data entry and accelerates offer preparation.
• Integrated AI-powered scoring and regulatory compliance: An integrated AI scoring engine evaluates each application in real time while complying with IFRS, ACPR, and ECB requirements. Compliance rules are applied consistently across the entire network.
• Anomaly detection and default prediction: The solution identifies documentary and behavioral anomalies at an early stage and provides default predictions, helping teams prioritize applications and adjust decision-making.
• Faster time-to-market and reduced costs: Process digitalization accelerated time-to-market by a factor of 3 and reduced operational costs by 40%. Return on investment was achieved within 18 months.

Measurable Results (KPIs)

Would you like to accelerate financing application processing while strengthening compliance and risk management?

Request a personalized e-FLO Finance demo and discover how the solution can be tailored to your network.