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XpressCredit

Canandaigua, NY 14424
(877) 231-0595

About Us

XCRGC, Inc. (“Company”) is a Delaware C - Corporation, FinTech, and its products and services are branded under the XpressCredit™ name. The Company has created a complete one - rooftop solution for independent and rural franchise auto dealers and regional finance companies, its target market. For dealers, the company provides a virtual on-line marketplace to buy and sell units in an auction environment instead of a physical presence in the lane; Customer Relationship Management (CRM); Dealer Management System (DMS); finance portal for lenders to fund dealer consumers real-time on the lot; interface to social media; and finance and accounting including an interface to QuickBooks. For lenders, the Company provides a robust Loan Origination System (LOS) and Loan Management System (LMS) allowing the regional finance companies to “book and bill” their auto loans.

Specifically for the finance portal, the Company integrates its lenders (including larger finance companies that use their own LOS) with dealers in a real-time environment. Each consumer application is verified for a lender’s consumer, collateral and dealer Eligibility Rules ensuring only qualified applications are received by the lender. XpressCredit™ has numerous auto related partners and integrates via XML-encoded messages and adheres to Standards for Technology in Automotive Retail (STAR). All systems are hosted in the cloud with Amazon Web Services (AWS) – Compliant with Fair Credit Reporting Act and Graham-Leach-Bliley Act.

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Services

Lenders

XpressCredit™ is an internet-based platform used by auto dealers as well as many other entities where secured or unsecured loan products are offered, linking these dealers to banks, finance companies, credit unions and other lending sources.

Included Modules
  • Customer Relationship Manager (CRM)
  • Loan Origination System (LOS)
  • Finance Portal
  • Floor Planning Accounting & Tracking
  • Private-labeled and custom per user
  • Loan Management System - coming soon
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Dealerships

XpressCredit™ is a web-based consumer finance portal that can be used by thousands of auto dealers in more than 40 states. As a unique, cost-effective, patent-pending solution, XpressCredit™ automates and accelerates the indirect financing process between dealerships and lenders.

Included Modules
  • Customer Relationship Manager (CRM)
  • Dealer Management System (DMS)
  • Finance & Insurance Menu (F&I)
  • Finance Portal
  • Floor Planning Accounting & Tracking
  • Marketplace
  • Private-labeled and custom per user
  • Complete accounting and finance with upload to QuickBooks Online
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Distributors

XpressCredit™ Distributors are organizations that have special relationships with both dealers and lenders. Distributors, once approved by a lender, can manage loan products and underwriting criteria for one or more lenders, and receive applications through our Finance Portal from one or more dealers.

Included Modules
  • Customer Relationship Manager (CRM)
  • Finance Portal
  • Floor Planning Accounting & Tracking
  • F&I Menu selling system including integration with F&I Express
  • Additional tool in the tool bag for your dealer sales
  • Marketplace
  • Private labeled and custom for your business
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Floor-Plan Accounting and Tracking

  • For floor plan companies - manages, monitors, reconciles and accounts for money extended to dealers - risk mitigation tool

  • Ensures accurate inventory and accounting for dealer and lender, ensures accurate payment both current and historical

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Modules

Customer Relationship Manager

  • Focused on loan origination and closing for consumer financed auto loans

  • Customer tracking, follow-ups, and calendar ensure no one gets "lost in the shuffle" ~ increased sales close

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Dealer Management System

  • Manage unit acquisition and inventory profitably, sell product on-line or at the dealership, sell most profitable car, F&I Menu; gain consumer financing, loan analysis, dealer profit calculator by lender, legally compliant documents, relieve inventory, accounting

  • Complete dealer backroom operations - One-stop data entry; manage workflow; increase profit per unit sold.

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Finance & Insurance Menu

  • After-market products - Guaranteed Asset Protection (GAP), Vehicle Service Contract (VSC), and Title.

  • Increase profit for vehicle sold; risk mitigation tools; ensures "clean" title.

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Loan Origination System

  • Decision engine including multiple products, custom scorecards, calculations, credit bureaus, vehicle history/valuations, loan analysis, rating levels, legal contracts, electronic storage.

  • Increased productivity, reduction in processing costs, better customer service; manage workflow, applications originating with Dealertrack.

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Finance Portal

  • Connects qualified consumer dealer applications with lenders based on lender's Eligibility Rules using Soft Pull from 700 Credit.

  • Qualified applications to improve Look-to-Book; focus is on applications lenders can fund; risk mitigation; inexpensive way to acquire customers.

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Marketplace

  • Displays dealer inventory for on-line purchase from consumers or dealers remotely

  • Virtual marketplace - consumers can purchase and obtain financing from the couch

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Our Partners

XpressCredit™ partners with leading vendors to provide a state-of-the-art credit and financing system for our customers. Our Technology Partners provide secure, accurate and fast information. Our Service Partners provide additional capabilities to help customers in their decisions about financing options. We’re proud to have some of the best-known technology and service companies as partners, each of whom plays an important role in our success.

Contact

Location:

XpressCredit™
Canandaigua, NY 14424

Technical Support:

(877) 231-0595

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