Specialty collateral is the starting point
A motorcycle, boat and motorhome do not carry the same collateral data, valuation questions or documents. appTRAKER gives lenders a shared origination platform while allowing each asset class and program to keep the information and controls it needs.
Programs may involve:
The application can capture the identifiers, descriptions, values and supporting documents appropriate to the asset instead of forcing every transaction into a standard passenger-vehicle record.
Direct and dealer channels
A borrower may apply before choosing an asset, begin from a lender campaign or arrive through a specialty dealer.
Each channel can use its own workflow, communications and funding requirements while sharing the lender program and credit controls. myDEALER holds the specialty dealer relationship behind the individual transactions.
Underwrite the borrower and the asset
appTRAKER can combine applicant information, bureau data, affordability calculations, verification, fraud signals, dealer information, collateral and the proposed transaction. Configured rules can evaluate:
Supported valuation and data providers can participate where they cover the applicable asset. The provider, returned data and lender use are confirmed during implementation.
Programs that keep their differences
A marine program may need vessel, motor and trailer information. An RV program may distinguish motorized and towable units. Powersports may involve manufacturer, model, condition, accessories and dealer-specific requirements.
appTRAKER runs every program on one origination foundation, with program-specific applications, collateral fields, rules, queues, documents and funding checklists.
Documents and communication
Stipulations can be assigned and tracked through underwriting and funding rather than managed in a separate checklist.
Decisioning and deal structure
Eligible applications can move through configured automated or manual underwriting, with autoBOUGHT applying the lender rules. Staff handle exceptions, judgment and higher authority.
Where supported for the product and implementation, autoBUILT can evaluate permitted structural changes such as term, down payment, amount financed, payment, PTI, LTV and collateral value. LAUNCHER confirms applicability during solution design.
Funding and downstream handoff
Funding controls can reflect the lender requirements for contracts, collateral documents, insurance, dealer information and other conditions.
At the defined booking or boarding point, supported interfaces can send finalized customer, loan, collateral and document information to the system responsible after origination. Specialty assets can also be financed as lease programs where the lender offers them.
Why appTRAKER for powersports, marine and RV lending?
Specialty lending deserves specialty flexibility
Powersports, marine and RV lenders finance very different assets. The same configurable lending foundation extends to additional collateral categories as programs grow.
appTRAKER gives lenders a configurable foundation for building lending processes around the collateral they actually finance.
Finance the road. Finance the water. Finance the trail. Finance the journey.
appTRAKER
Configurable, scalable loan origination built around your products, channels and credit policy.
Explore →myDEALER
Dealer relationship management, built into the origination workflow.
Explore →myLOAN
A branded online application experience that feeds straight into appTRAKER.
Explore →autoBOUGHT
Your virtual underwriter — automated, 24/7 credit decisioning.
Explore →launchPAD
Essential origination tools for startup lenders and new programs.
Explore →Fraud Intelligence
Identity, phone, location, address, and bureau signal intelligence at the point of decision.
Explore →Dealer Portal
Give your dealer network one connected place to submit, work, and close deals with your lending team.
Explore →CONNECT
Two-way SMS and email between your lending team and applicants, tied to the loan.
Explore →autoBUILT
Configurable workflow automation for your origination process.
Explore →appTRAKER DOCS & FORMS
Document management, form generation, Form Packs and eSign — built into the LOS.
Explore →Frequently asked questions about specialty lending
What types of specialty collateral can appTRAKER support?
appTRAKER can support lender-configured collateral types including motorcycles, ATVs, utility vehicles, boats, personal watercraft, RVs, campers, trailers and other specialty assets.
Does appTRAKER support motorcycle, ATV, marine and RV lending?
Yes. Each can be configured as its own program with the application data, collateral fields, rules, documents and funding requirements appropriate to that asset class.
Can one application include more than one item of collateral?
appTRAKER supports lending structures that include multiple collateral records when configured for the program.
Can the platform support both direct and dealer-originated applications?
Yes. Direct and dealer channels can use different intake and workflow paths on the same origination foundation.
Does every vehicle-data provider cover every specialty asset?
No. Coverage varies by provider and asset class. LAUNCHER confirms the applicable data source and workflow during implementation.
Can appTRAKER use specialty collateral values?
Yes. appTRAKER has supported specialty-vehicle valuation integrations, including powersports valuation and identification data. Available collateral information depends on the configured provider and the asset category that provider supports.
Does appTRAKER support prequalification and pre-approved offers?
Yes. Direct lending workflows can support prequalification, supported soft-pull credit services, product eligibility and pre-approved offers according to the configured process.
Can each state or product use different documents?
Yes. Form Packs and rules can select the documents applicable to the transaction, subject to the configured document provider and lender requirements.
