Finance Companies

Loan Origination & Approval

The origination workflow is where data quality is set for the life of the loan. Every detail captured here flows into PPSR registrations, compliance records, servicing systems, and recovery files. Getting it right at the start prevents problems at every subsequent stage.

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• Pre-fill loan applications with verified vehicle identity and specifications from a single rego or VIN lookup

• Verify the asset against NEVDIS before approving finance - confirm the vehicle is what the applicant says it is

• Run stolen, write-off, and PPSR checks as part of the credit decisioning workflow - flag compromised assets before they enter the book

• Retrieve valuation data to support loan-to-value calculations and ensure lending against defensible asset values

• Reduce origination time by replacing manual vehicle lookups with instant, API-driven data retrieval

• Give applicants a faster experience - pre-fill vehicle details from a rego so they don’t need to know their VIN, engine capacity, or compliance date

PPSR Registration & Maintenance

Your security interest is only as defensible as the data on the registration. If the VIN, make, or model on your PPSR filing doesn’t match the actual vehicle, your position as a creditor is at risk.

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• Populate PPSR registrations with verified VIN, make, model, variant, and chassis data - sourced directly from NEVDIS

• Reduce the risk of unenforceable security interests caused by data entry errors or unverified customer details

• Use InfoAgent’s free 14-day PPSR status monitoring to track changes to security interest status after your initial search - without re-running paid checks

• Run batch PPSR audits across your loan book to identify registrations with stale, incorrect, or incomplete vehicle descriptions

• Support discharge workflows with verified vehicle identity data that matches the original registration

Portfolio Management & Servicing

A clean loan book starts with clean data. Over time, vehicle records degrade - registrations lapse, encumbrances change, and the details captured at origination become outdated. Periodic data refreshes keep your portfolio audit-ready.

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• Run batch lookups across your loan book to verify vehicle identity, registration status, and PPSR position at any point during the loan term

• Detect registration lapses that may indicate the borrower has stopped maintaining the asset

• Monitor registration locality changes that could signal the vehicle has been sold or relocated without notification

• Refresh vehicle specifications and valuations for portfolio-level risk assessment and impairment testing

• Maintain audit-ready records with timestamped, verified data from official sources

Residual Value Setting & Asset Valuation

Residual accuracy is the foundation of profitability in vehicle leasing and secured lending. A residual set too high creates end-of-term exposure. Set too low, and you’re leaving margin on the table.

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• Access verified specifications to differentiate between variants that look similar but price differently - the base model and the top-spec variant may share a name but not a residual

• Factor EV battery capacity, range, and charging data into residual models for electric vehicles where depreciation curves are still being established

• Use build and compliance dates to accurately position the vehicle on the depreciation curve - a common mismatch that affects residual accuracy

• Incorporate ADAS features, warranty status, and write-off history into valuation models that reflect the full asset picture

• Run bulk valuations across the portfolio for end-of-month reporting, impairment testing, or securitisation due diligence

Floorplan Finance & Dealer Monitoring

Wholesale lenders need continuous visibility over dealer inventory without the cost and delay of physical audits. InfoAgent’s monitoring capabilities give you data-driven oversight of your floorplan book.

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• Monitor registration status and locality changes across your floorplan portfolio to detect when vehicles have been sold

• Receive signals when a vehicle’s registration details change - indicating a sale that should trigger repayment

• Reduce the frequency and cost of physical dealer audits by supplementing them with API-driven data checks

• Verify vehicle identity and encumbrance status remotely across multiple dealer locations

• Identify vehicles that have been on the floor longer than expected for proactive portfolio management

Recovery, Repossession & End-of-Term

When a loan defaults or reaches the end of term, accurate vehicle data supports faster recovery, better remarketing outcomes, and cleaner disposal processes.

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• Confirm vehicle identity and current registration status before initiating recovery - ensure you’re pursuing the right asset

• Use registration locality to identify the vehicle’s last known registered location for recovery logistics

• Verify write-off and stolen status before remarketing a recovered asset - avoid selling a vehicle with undisclosed history

• Run PPSR checks to confirm your security interest is still registered and no competing interests have been added

• Access current valuation data to set realistic reserve prices and inform disposal strategy

Novated Leasing & Salary Packaging

Novated lease providers need fast, accurate vehicle identification to quote, onboard, and manage leases across employer programs. The data requirements span both the consumer experience and the fleet management backend.

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• Instantly identify any vehicle by rego to generate accurate lease quotes for employees

• Validate vehicle eligibility and specifications against leasing criteria and employer policies

• Automate FBT-relevant data capture including fuel type, engine capacity, and vehicle class

• Retrieve EV specifications for salary packaging programs that incentivise electric vehicle uptake

• Support end-of-lease processes with verified identity, valuation, and condition-relevant data