We collaborated with a US-based financing platform to modernize and automate the end-to-end loan processing experience for auto dealerships. The initiative focused on syncing external deal submissions from credit decisioning platforms into a centralized backend system, enabling real-time evaluation, fee reconciliation, documentation workflows, and disbursement approvals.A key objective was to eliminate delays caused by siloed dealer portals and manual processing of lease and retail loan applications. We built a custom integration module that validates, normalizes, and processes incoming deal packages from third-party credit platforms, while also enabling dynamic fee calculations, document logic, and status updates throughout the approval journey.
Loan applications required navigating multiple portals and manual steps, creating delays in lead conversion tracking and increasing the risk of errors during key financing workflows.
Manual ingestion of deals from RouteOne, DealerTrack, and others resulted in delayed approvals, reducing dealer satisfaction and causing missed opportunities.
The system lacked the ability to auto-compute location-based title, tax, and registration fees, leading to inaccuracies and increased processing times.
Varying F&I product codes and price structures across dealer submissions created mapping issues, impacting offer consistency and product bundling.
Lease applications were handled manually, making it difficult to manage credit statuses, offer revisions, and document logic with speed or accuracy.
Schema and validation differences across platforms led to frequent data mismatches, slowing down processing and requiring repetitive back-and-forths with dealers.
Lack of webhook systems meant dealers weren’t instantly informed of changes in offer status, impacting transparency and response times.
Offer revisions, rescinded terms, and conditional approvals lacked tracking, reducing traceability and complicating regulatory compliance.
Limited quality assurance measures before production deployments increased the risk of bugs, unstable releases, and post-launch firefighting.
We delivered a robust, end-to-end automation pipeline that unified data ingestion, decision workflows, fee logic, and dealer notifications to transform loan processing accuracy, speed, and scalability.
Developed a live data pipeline to ingest and validate loan packages from external dealer systems, ensuring accurate formatting, classification, and faster downstream processing.
Introduced logic to identify and separate lease from retail financing, allowing for tailored processing rules, documentation, and decision criteria.
Implemented secure webhook mechanisms to notify dealers of status changes, reducing communication gaps and improving engagement with dealership partners.
Set up rule-driven documentation flows that vary by financing type and dealer profile, ensuring accuracy and audit-readiness across submissions.
Introduced ticket-level quality gates and phased rollouts across environments (Dev, QA, UAT), reducing bugs and ensuring production stability.
Built Angular dashboards for real-time visibility into ingestion health, approval metrics, and error logs to help teams act proactively.
Standardized tax, fee, and product code mappings into a centralized schema, eliminating mismatches and enabling accurate offer calculations regardless of source platform.
Integrated a rules-based system that tracks and updates loan statuses, Approved, Declined, Rescinded, or Conditional, while syncing them across external platforms in real time.
Embedded checks for missing vehicle data, expired offers, and invalid fee combinations, reducing failed submissions and rework loops.
Tracked every step from deal ingestion to final decision, supporting compliance, transparency, and traceability for internal teams and external audits.
Delivered onboarding and hands-on training to internal product teams and dealership support staff, accelerating adoption and minimizing support dependencies.
Enabled configurable branding, rules, and logic by dealer or partner, supporting platform scalability while maintaining localized flexibility.
Dealers can submit full loan application packages—including buyer info, vehicle data, and financials—directly from platforms like DealerTrack or RouteOne, with automatic validation and lease/retail classification.
The system auto-calculates tax, title, and registration fees using vehicle type, financing structure, and location-specific rules, ensuring precise and consistent deal structuring across all applications.
Built-in validation checks for credit data, required fields, and vehicle eligibility help prevent rejected deals, while admins can set partner-specific overrides and document logic for compliance.
Status changes—like approvals, rescissions, or conditions—are instantly shared via secure webhooks with connected systems. All actions are logged and accessible through internal dashboards for audit purposes.
The deployment process follows strict QA protocols, including staging validations, rollback support, and version tagging, ensuring stable production rollouts with minimal disruption.
REST APIs
Angular
C#
RouteOne
Azure DevOps
.NET Core
Microsoft SQL Server
DealerTrack
Advent
Enabled seamless, real-time ingestion of deal applications directly from dealer platforms like RouteOne and DealerTrack, eliminating delays and ensuring faster processing and classification across financing workflows.
Automatically categorized 100% of incoming loan applications as Retail or Lease based on structured mapping logic, ensuring clarity and accelerating downstream decision-making with zero manual interference.
Removed dependencies on manual updates for credit decisions, document status, and fee validation leading to faster turnaround and more efficient communication between systems and stakeholders.
Standardized over 20 unique product codes and associated fee structures, enabling consistent application across dealerships and reducing mismatches in F&I product configurations.
Executed three major production rollouts with complete QA validation in sprint cycles improving deployment reliability and stakeholder confidence with each release.
Implemented webhook automation that instantly notified dealer systems on offer approvals, rejections, or revisions ensuring timely and accurate communication across integrated partners.
Minimized deal rejection rates by validating field completeness, vehicle data, and fee inputs to ensure submissions met internal compliance and processing rules.
Unified and streamlined lease-specific workflows, including offer revisions and conditional approvals, delivering a consistent experience across all deal types.
Improved quality assurance practices with ticket-linked deployments, version tagging, and rollback support, ensuring every change was well-tested before reaching production.
Conducted successful training and onboarding across multiple internal teams and dealer support groups, fostering adoption and ensuring smooth operations across locations.
Streamline deal processing, boost compliance, and enable real-time decisions with our custom-built auto finance integration platform. Let’s build your competitive advantage today.
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