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    • Wholesale finance

    Financing offers in minutes

    Among the non-bank financing instruments, Wholesale finance is a particularly popular way of keeping the cost of goods and liquidity in balance. In addition to direct business, it also fulfills a customer loyalty function, because whoever finances the warehouse is usually also the preferred business partner for Retail Finance.

    The Wholesale finance solution implements tailor-made processes for object and product selection, application, approval and management of purchase financing, including warehouse financing and factoring. The entire process chain of the property contract is mapped, from creation to termination. The range of services extends from the selection of the property to be financed and the individually coordinated repayment plans (interest surcharges, interest obligations), recording of the required data budget with corresponding plausibility checks, automated querying of information, scoring, generation of automatic or manual credit decisions, workflow-supported credit processing and disbursement through to contract management and accounting.

    Key features of Wholesale finance

    More room for maneuver for your customers

    • Application for Wholesale finance
      Application for Wholesale finance by specifying the property (if necessary with the help of the data catalog) and selecting the financial product (repayment plan) either via the web-based application component or as a serial application via the standard interface;
    • Intelligent checks
      Automatic check of the application for double financing within seconds as well as property and collateral evaluation, determination of the financing amount taking into account discount factors, collateral value and the available credit line;
    • Decisions
      Automatic and, if necessary, manual decision taking into account customer-specific stop and knock-out criteria with exact logging of the decision history;
    • End-to-end system
      Workflow-based credit processing with defined check steps up to activation of the contract and execution of payments;
    • Entire process chain
      Registration of the partner, allocation of the credit line and individual conditions depending on the rating, maintenance of payment accounts and payment method, definition of the permitted depositories of collateral, etc;
    • Flexible financial products
      Design of any repayment plans with definition of the rhythm or timing of repayments, amount of repayments as a percentage or as an amount, definition of the party liable for interest as well as the type and amount of the interest surcharge, discount factors for property type, property age, etc;

    Other key features of Wholesale finance

    Optimization of your working capital

    • Combination of purchasing and Retail Finance
      Whoever finances the warehouse is usually also the preferred business partner for Retail Finance. Payment transactions between sales and Wholesale finance are automatically offset.
    • Interaction with collateral management
      During activation and during the term of the contract, the system checks whether all collateral required in accordance with the set rules, such as vehicle registration certificates, land charge entries, mortgages, life insurance assignments, has been created and linked to the framework and property contracts.
    • Any number of products
      You can select any number of product types from the catalog. You can finance valuable capital goods from all product categories, such as kitchens, commercial vehicles, construction machinery, machine tools and much more.
    • Intuitive user interface
      With its intuitive user interface, the Wholesale finance solution enables you to process all business transactions quickly and securely.

    Benefits

    Consistent system

    The entire life cycle of Wholesale finance, from the preparation of the offer to the termination of the contract, is mapped in an end-to-end digital system.

    All sales channels

    Financial service providers are present in all B2B sales channels with a digital solution. Manufacturers/importers, cooperation and trading partners can be addressed as borrowers with customized conditions.

    Flexible billing

    In conjunction with Wholesale Finance, the automatic netting of payment transactions between Retail Finance and Wholesale Finance is possible.

    High degree of automation

    Modern Wholesale finance becomes possible at the highest level of automation with high volumes, standardized processes, quick decisions and automated contract management.

    Complete integration

    In the interaction between manufacturers, retailers and financial service providers, the solution integrates the systems of all business partners and thus automates the Wholesale finance and factoring processes to a particularly high degree.

    Flexible financial products

    Wholesale finance with flexible financial products for specific business types and all common object groups (e.g. vehicles, equipment) is mapped consistently.

    Realized solutions based on Wholesale finance

    Philipp Oberleitner
    CEO

    Dr. Lars Rüsberg
    Sales Manager

    Enrico Moritz
    Head of Strategy & Innovation Management CMS

    Philipp Oberleitner
    Philipp Oberleitner
    CEO

    Dr. Lars Rüsberg
    Dr. Lars Rüsberg
    Sales Manager

    Enrico Moritz
    Enrico Moritz
    Head of Strategy & Innovation Management CMS

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    Case Study

    TARGOBANK Autobank creates process efficiency with TABEA 2.0

    Since its market launch in 2015, TARGOBANK Autobank has quickly established itself as a highly competitive automotive bank in a highly competitive market. Since then, it has used the CMS Credit Management System to manage sales and Wholesale finance processes in a fully integrated, web-based and modular system - end-to-end. Changing customer behavior and increasing demands on user experience also mean that systems in use in Purchasing and Retail Finance have to be constantly adapted. A modernization of the solution was also on the agenda at TARGOBANK Autobank.

    Read the case study.

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    New savings bank solution for modern Retail Finance

    As regional market leaders, savings banks must constantly defend their share of the consumer credit business. For Ostsächsische Sparkasse Dresden 's business, it was important to be able to respond more quickly to requests and process them smoothly - with seamless processes for all parties involved and many years of experience in integrating OSPlus into the existing IT landscape. Together with NAVAX, it has created a new type of solution for Retail Finance at the point of sale, which gives it a clear market advantage locally and generates attractive revenues. The application is also available to other savings banks as an out-of-the-box solution.

    Read this informative field report.

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    Whitepaper

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    Read this white paper to find out how you can benefit from this.

    To the whitepaper
    Solution Paper

    Expert know-how for future-proof solutions

    Together with experienced consultants from afb, you can ensure that your strategies and processes are geared towards future challenges. We not only deliver position papers, but also support you in the identification, direction finding and concretization of the fields of action as well as their implementation.

    You can find more information on the process, methods and benefits of our consulting services in this solution paper.

    To the solution paper
    Case Study

    Leading automotive bank: automation in the area of lending and leasing

    No project without a business case, no investment without a sound basis for decision-making. This is why a leading automotive bank relied on the experts from NAVAX. As part of a consulting project, the specific process steps and workflows in lending and leasing were examined and evaluated with regard to optimization potential.

    Read the case study of the leading automotive bank.

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    Case Study

    Success story of abcfinance GmbH: Successful with HENRI

    Our solution: HENRI for Leasing.

    • Time and cost savings through a fully integrated solution,
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    • Use of a single software for all core leasing processes.

    Read about the challenges faced by abcfinance, the solution and the collaboration between NAVAX and abcfinance in this user report.

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    Success story with Miller Leasing: IT leasing revolutionized

    "A nice confirmation of the success of our project was the fact that the annual financial statements were completed faster than ever before," said the customer.

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    Would you like to find out more about the solution and the collaboration between Miller Leasing and NAVAX? Then read this case study.

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    Case Study

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    In our case study, you can read about the vision, requirements and successful collaboration between the Valida and NAVAX teams.

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    Maximum flexibility for Honda Bank

    End customers want quick credit decisions. With the Intelligent Decision Automation solution, Honda Bank has implemented a flexible framework for processing all risk-based decisions in order to be able to react faster and more effectively to changing customer and regulatory requirements in the future.

    Find out how Honda Bank benefits from the solution in this case study.

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