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FinanceFinanceExpressExpress

The fast, efficient way to Automate your business

Finance Express

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                                                Finance ExpressFinance Express is the premier web-based is the premier web-based platform that automates and accelerates the entire platform that automates and accelerates the entire automobile dealer-to-lender relationship. This automobile dealer-to-lender relationship. This program offers an integrated system that allows program offers an integrated system that allows dealers to submit applications to multiple lenders dealers to submit applications to multiple lenders for approval electronically, and to receive for approval electronically, and to receive automated responses in “real time”. Built to automated responses in “real time”. Built to address the practical demands placed on both address the practical demands placed on both dealers and lenders, dealers and lenders, Finance ExpressFinance Express provides a provides a comprehensive program that expedites the auto comprehensive program that expedites the auto finance process, from loan application to funding. finance process, from loan application to funding.

The The Finance ExpressFinance Express system includes system includes credit application processing, instant creditcredit application processing, instant credit bureau access, full inventory management,bureau access, full inventory management, electronic contracting and complete escrowelectronic contracting and complete escrow services, all in one fully integrated solution.services, all in one fully integrated solution.

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The FEX SystemThe FEX System

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                                               FeaturesFeatures

The The Finance ExpressFinance Express System provides a fully integrated System provides a fully integrated program of software and services that expedite the loan program of software and services that expedite the loan process and make the funding process fast and secure. The process and make the funding process fast and secure. The program features a number of unique innovations: program features a number of unique innovations:

Real time connection to multiple lendersReal time connection to multiple lenders National and Regional Lenders – Prime to Sub Prime National and Regional Lenders – Prime to Sub Prime Web Hosted Solution – No Software to PurchaseWeb Hosted Solution – No Software to Purchase Real Time Credit Bureau ServicesReal Time Credit Bureau Services Printing of all Loan and DMV DocumentationPrinting of all Loan and DMV Documentation Inventory Management and F&I PackageInventory Management and F&I Package VIN Decoder and Kelly/NADA Vehicle Valuation ModuleVIN Decoder and Kelly/NADA Vehicle Valuation Module Customized Dealer HomepageCustomized Dealer Homepage Electronically Linked to Licensed Escrow ServicesElectronically Linked to Licensed Escrow Services

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                                               The Dealer The Dealer HomepageHomepage

Finance Express

The Finance Express Dealer Home Page is The Finance Express Dealer Home Page is designed to be the management interface designed to be the management interface between the Finance Express system and the between the Finance Express system and the dealership.  It contains critical information about dealership.  It contains critical information about the current status of the system and statistical the current status of the system and statistical information about the transactions in the information about the transactions in the dealership, as well as other useful information.dealership, as well as other useful information.

   At the heart of the Dealer Home Page is the At the heart of the Dealer Home Page is the

"traffic light", a unique innovation of the Finance "traffic light", a unique innovation of the Finance Express System.  This area contains all of the Express System.  This area contains all of the dealerships current and historical information dealerships current and historical information regarding the Funded, Approved, Declined and regarding the Funded, Approved, Declined and Pending applications.  This information is Pending applications.  This information is displayed in "real time“.displayed in "real time“.

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The Dealer The Dealer HomepageHomepage

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                                               The Application List The Application List PagePage

Finance Express

The Application List Page is designed to provide The Application List Page is designed to provide the Dealer with a visual "snapshot" of all the the Dealer with a visual "snapshot" of all the current transactions in progress.  This page current transactions in progress.  This page shows, in selectable list form, all of the shows, in selectable list form, all of the applications currently in the  system for the applications currently in the  system for the dealership, the status of the application, and dealership, the status of the application, and the Lender's response to the application in the Lender's response to the application in “real time”.“real time”.

The colors on the “traffic light” which are The colors on the “traffic light” which are incorporated into the Dealer Homepage are incorporated into the Dealer Homepage are also used here, to visually indicate Pending, also used here, to visually indicate Pending, Approved, Declined, Need More Information Approved, Declined, Need More Information and Funded applications.and Funded applications.

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The Application List The Application List PagePage

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                                               The New Application The New Application PagePage

Finance Express

The New Application Page contains all of the The New Application Page contains all of the basic information for a new loan applicant.  basic information for a new loan applicant.  Clicking on the New App tab opens the App Clicking on the New App tab opens the App Info page which includes the personal and Info page which includes the personal and residence information on the applicant such residence information on the applicant such as name and address, SSN#, date of birth, as name and address, SSN#, date of birth, and drivers license information. and drivers license information. 

    Clicking on the New Application Page also Clicking on the New Application Page also

opens a sub-menu bar, which directs various opens a sub-menu bar, which directs various tasks within the Application system.  Each of tasks within the Application system.  Each of these tasks represents a step in the these tasks represents a step in the application and closing process for such application and closing process for such things as credit information, co-borrowers, things as credit information, co-borrowers, trade-in, accounting, forms printing, lenders trade-in, accounting, forms printing, lenders and the final desking of the transaction.and the final desking of the transaction.

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The New Application The New Application PagePage

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                                               The Credit Information The Credit Information PagePage

Finance Express

The Credit Information Page contains all of The Credit Information Page contains all of the credit reports that have been obtained the credit reports that have been obtained for a selected applicant.for a selected applicant.

This page also is the place in the FEX This page also is the place in the FEX system to Pull a Credit Report which sends system to Pull a Credit Report which sends the application to the appropriate credit the application to the appropriate credit reporting agency.  reporting agency. 

   After receiving a credit report, it can be After receiving a credit report, it can be

reviewed simply by clicking on the "View reviewed simply by clicking on the "View Report" button.  Clicking on the blue Fico Report" button.  Clicking on the blue Fico score will also open the credit report for score will also open the credit report for viewing.viewing.

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The Credit Information The Credit Information PagePage

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                                               The Lender Information The Lender Information PagePage

Finance Express

The Lender Information Page allows the The Lender Information Page allows the dealer to instantly view lenders who are dealer to instantly view lenders who are interested in receiving a customers credit interested in receiving a customers credit application. application.

If the customer meets the lenders criteria, If the customer meets the lenders criteria, the lender information is indicated in green the lender information is indicated in green and if not it is indicated in red. This “green and if not it is indicated in red. This “green light”, “red light” feature follows the same light”, “red light” feature follows the same theme as the Dealer Homepage.  theme as the Dealer Homepage.  

A “green light” means that the application A “green light” means that the application

is immediately qualified with those lenders, is immediately qualified with those lenders, and the dealer may proceed to the Desking and the dealer may proceed to the Desking tab to complete the transaction.tab to complete the transaction.

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The Lender Information The Lender Information PagePage

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                                               The Desking PageThe Desking Page

Finance Express

The Desking Page is used to create the deal The Desking Page is used to create the deal structure for the front end and the structure for the front end and the aftermarket products. This page includes a aftermarket products. This page includes a common sense “four square” in the center of common sense “four square” in the center of the page for easy deal structure. It also the page for easy deal structure. It also allows the completed application to be sent allows the completed application to be sent to all of the appropriate Lenders in the to all of the appropriate Lenders in the system.system.

The system opens the inventory page and The system opens the inventory page and

sorts all of the vehicles that the customer sorts all of the vehicles that the customer qualifies for qualifies for andand that are acceptable to the that are acceptable to the Lender for that customer.  It also compares Lender for that customer.  It also compares each vehicle to the requirements of each each vehicle to the requirements of each Lenders approval.Lenders approval.

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                                               The Desking PageThe Desking Page

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                                               The Inventory List The Inventory List PagePage

Finance Express

The Inventory List Page lists all of the current The Inventory List Page lists all of the current inventory for the dealership that has been inventory for the dealership that has been entered into the FEX system.entered into the FEX system.

The list page shows the Year, Make, Model, The list page shows the Year, Make, Model, Mileage, Stock #, VIN #, NADA value, Kelly Mileage, Stock #, VIN #, NADA value, Kelly Blue Book value and the cost of the vehicle.Blue Book value and the cost of the vehicle.

Any vehicle entered into the system through Any vehicle entered into the system through the Inventory Add module is reflected here.the Inventory Add module is reflected here.

  

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The Inventory List The Inventory List PagePage

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                                               Additional FeaturesAdditional Features

The The Finance ExpressFinance Express software system is software system is feature rich with additional tools to assist with feature rich with additional tools to assist with the complete automation of normal the complete automation of normal processing routines.processing routines.

Internet Lead GenerationInternet Lead Generation Inventory Tracking and IntegrationInventory Tracking and Integration Quick Payment CalculatorQuick Payment Calculator Electronic Loan SubmissionElectronic Loan Submission Customizable Report GeneratorCustomizable Report Generator Calendar for Appointment SchedulingCalendar for Appointment Scheduling

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                                               Customer ServiceCustomer Service

Finance ExpressFinance Express maintains a Customer Service maintains a Customer Service department to provide immediate solutions to department to provide immediate solutions to questions regarding the FEX system to all of its questions regarding the FEX system to all of its participating Lenders and Dealers.participating Lenders and Dealers.

Not only does our software contain online help Not only does our software contain online help but our representatives are available six days a but our representatives are available six days a week to assist our customers with problems or week to assist our customers with problems or concerns. Our staff is trained to resolve issues concerns. Our staff is trained to resolve issues with software, procedures, loan processing, and with software, procedures, loan processing, and escrow services.escrow services.

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                                               Escrow ServicesEscrow Services

Finance ExpressFinance Express incorporates all of the required and incorporates all of the required and desirable Escrow Services into its program through an desirable Escrow Services into its program through an exclusive partnership with its fully licensed, exclusive partnership with its fully licensed, professional escrow company, professional escrow company, Escrow.com.Escrow.com.

Escrow.com Escrow.com is the only fully licensed internet escrow is the only fully licensed internet escrow service in the world. Each step in the funding and service in the world. Each step in the funding and closing process, from title transfer to funds dispersal, closing process, from title transfer to funds dispersal, are handled electronically and automatically are handled electronically and automatically coordinated with the coordinated with the Finance Express Finance Express system, which system, which closes the loopholes and delays that often occur.closes the loopholes and delays that often occur.

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                                               SummarySummary

Finance Express

We hope you have enjoyed this brief We hope you have enjoyed this brief overview of the Finance Express program, overview of the Finance Express program, and suggest that you take the time to and suggest that you take the time to learn more about all of the capabilities and learn more about all of the capabilities and functions of the system. functions of the system.

In order to gain a full appreciation of how In order to gain a full appreciation of how the FEX program can improve the the FEX program can improve the efficiency and financial performance of efficiency and financial performance of your dealership, we recommend that you your dealership, we recommend that you schedule a live demo with your marketing schedule a live demo with your marketing representative or with a Finance Express representative or with a Finance Express customer service representative.customer service representative.

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                                               Finance ExpressFinance Express

The The onlyonly way to way to automate your businessautomate your business

Finance Express

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Contact Information:Contact Information:

Finance ExpressFinance Express30318 Esperanza30318 EsperanzaRancho Santa Margarita, CA 92688Rancho Santa Margarita, CA 92688

Tel: (949) 635-5892Tel: (949) 635-5892Fax: (949) 635-5893Fax: (949) 635-5893

Website: Website: http://www.financeexpress.comhttp://www.financeexpress.com

Sales Information:Sales Information:sales@financeexpress.comsales@financeexpress.com

Lender Information:Lender Information:lenders@financeexpress.comlenders@financeexpress.com

Customer Service:Customer Service:service@financeexpress.comservice@financeexpress.com

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