Retail and wholesale finance often operate separately, creating silos that restrict visibility, collaboration, and the seamless flow of data across teams and systems.
Outdated underwriting and compliance processes remain manual and time-consuming, resulting in unnecessary friction, human errors, and long approval cycles that affect customer satisfaction.
As loan volumes increase, traditional systems struggle to scale effectively, leading to inefficiencies and missed profit opportunities when automation and streamlined processes are lacking.
Manually tracking audits, approvals, and document trails increases the risk of non-compliance and resource strain, diverting attention from value-driven tasks and slowing business growth.
Manage retail and wholesale financing
without switching systems, from consumer lease originations to dealer floorplan management.
With over 300+ deployments and $500B+ in assets managed, Transcend is trusted by finance leaders across North America, Europe, and APAC.
Equip sales reps and field agents with mobile apps to create quotes, onboard customers, or request inventory financing.
AI is embedded across workflows, automating underwriting, portfolio analysis, document handling, and more. .
Tailor lending experiences to customer segments, driving business growth and loyalty. Support diverse lending journeys on a single platform, enabling premium pricing and scalable risk management.
Leverage adaptable modular tech to enhance efficiency and minimize manual admin delays. AI-driven automation maximizes productivity and allows human expertise to focus on value-added tasks.
Customizable workflows enable ongoing innovation, improving scalability and operational control while adapting to evolving regulations.
Upgrade individual system components without full overhauls, ensuring continuous adaptability and future-proof operations.
| Capability | Retail Finance Focus | Wholesale Finance Focus |
|---|---|---|
| Origination & Credit Decisioning | Consumer loan onboarding, AI-powered credit checks | Dealer line setup, real-time inventory checks |
| Contract & Lifecycle Management | Digital lease/contracts, renewals, terminations | Floorplan contract tracking, drawdowns, repayments |
| Dealer & Partner Portals | Self-service tools for retail quotes and applications | Dealer dashboard for financing requests and repayment status |
| Collections & Risk | Automated reminders, delinquency workflows | Monitor dealer exposure and overdue settlements |
| Payments & Reconciliation | Payment gateway integrations, settlement tracking | Reconciliation across dealer networks and banks |
Key Use Cases
NETSOL’s AI-powered platform automates research, simplifies analysis, and accelerates decisions, enabling faster and smarter lending.
Automatically generate applicant insights and document summaries, reducing underwriting time, accelerating credit decisions, and freeing up teams to focus on complex evaluations.
Leverage intelligent SWOT analysis and real-time asset evaluations to assess creditworthiness and collateral value—detecting potential red flags early and reducing default risk.
Empower teams with AI-suggested loan structures that align with risk appetite, policy constraints, and profit targets—speeding up approvals while reducing manual rework.
Use dynamic stipulation logic to auto-generate precise, policy-aligned loan terms—reducing costly manual errors and enhancing regulatory adherence across every deal.
Streamline origination, servicing, and wholesale finance with Transcend Finance — built for auto captives, lenders, and financial institutions.
AI-powered underwriting, instant credit approvals, and digital onboarding to close deals quicker.
Manage contracts, payments, and compliance with real-time transparency and automation.
Flexible inventory financing and real-time to keep your supply chain agile.
Explore how Transcend Finance helps leading finance institutions reduce friction, unlock speed, and drive transformation at scale.