Financement de véhicules

Codix Auto Leasing software solution.

iMX est capable de gérer les différentes formes de financement des automobiles et des 2 roues à commencer par le crédit affecté jusqu’à la gestion de flotte en passant par la Location avec option d’achat et la location longue durée et ce depuis le point de vente (concessionnaire / apporteur) jusqu’à la fin du financement et lorsque c’est applicable la revente du bien.

FONCTIONS PRINCIPALES :

  • Point de vente (apporteur / agence) / Internet :
    • Multi réseau / multi canal
    • Multi simulations
    • Tarification :
      • Critères d’application
      • Habilitations
      • Assurances
      • Services
      • Packages
      • Matrice de calcul de la valeur résiduelle
    • Configuration du bien / possibilité d’intégrer un « car configurator » externe
      Car configurators, also known as choice boards, design systems, toolkits, or co-design platforms, are responsible for guiding the user-custommer through the configuration - clarification needed process. Different variations are represented, visualized, assessed and priced which starts a learning-by-doing process for the user.
    • Calcul des loyers / tableau d’amortissement
      Amortization refers to spreading payments over multiple periods. The periodic payment amount due on a loan (typically a mortgage), based on the amortization process can vary. The amortization repayment model factors varying amounts of both interest and principal into every installment, though the total amount of each payment is the same. An amortization calculator can reveal the exact amount that goes towards interest and the exact amount that goes towards principal out of each individual payment.An amortization schedule calculator is also often used to adjust the loan amount until the monthly payments will fit comfortably into budget, and can vary the interest rate to see the difference a better rate might make in the kind of home or car one can afford.
    • Suivi et gestion des points de vente
      The point of purchase (POP) or point of sale (POS) is the place and time where a retail transaction is completed. At the point of sale, the merchant calculates the amount owed by the customer, indicates that amount, also indicates the options for the customer to make payment, may prepare an invoice for the customer (which may be a cash register printout).
    • Pré-scoring en temps réel
    • Propositions
    • Chargement des pièces justificatives
    • Assurer l’unicité (non doublonnage) des individus
  • Acceptation
    • Workflow fléxible et paramétrable par le Système Expert
      iMX integrates a Business Process Modelling and Workflow tool (iMX Expert System), a complete Web portal for external accesses package, and offer to our customers the maximum level of flexibility in the usage and customizing the system. Thanks to its self-owned and self-funded structure, CODIX can be very adaptive, reactive, and always does everything possible to work in a fully collaborative and long-term relationships and partnerships with every one of its Clients.
    • Scoring
      A numerical evaluation of your credit history used by lenders and financial institutions to access a person's credit worthiness. Credit scores are calculated using complex mathematical formulas. Lenders use credit scoring, among other things, to make a decision on whether to extend credit. There are many slightly different credit scoring formulas used by bankers, lenders, creditors, insurers and retailers. A person's credit score is a number between 300 and 850, 850 being the highest credit rating possible.
    • Engagements de reprise (par le fournisseur ou un autre intervenant)
      Commitment Fee: A fee paid to a lender by a borrower in exchange for a promise to lend money on certain terms for a specified period. Usually charged in order to extend a loan approval offer for longer than the standard period.
    • Gestion des limites / limites multi-niveaux
    • Gestion des groupes de clients
    • Analyse du dossier
    • Acceptation automatique ou manuelle
    • Suivi de la réception des documents
  • Approvisionnement / Gestion des fournisseurs
    • Création et suivi des bons de commande
      A purchase order (PO) is a commercial document and first official offer issued by a buyer to a seller, indicating types, quantities, and agreed prices for products or services. It is used to control the purchasing of products and services from external suppliers.
    • Suivi de la livraison du bien
    • Enregistrement des factures fournisseurs
    • Décaissement groupé ou unitaire / Gestion des délais de paiements
  • Comptabilité
    • Comptabilisation des flux
    • Génération des mouvements de stock
    • Provisions
      A provision is an account which records a present liability of an entity. The recording of the liability in the entity's balance sheet is matched to an appropriate expense account in the entity's income statement.
    • Amortissement comptable et fiscal des biens selon la législation en vigueur
      The book depreciation expense is the amount recorded on the "books" and reported on the financial statements. The tax depreciation is recorded on the company's income tax returns and will be based on the Internal Revenue Service's rules. Accelerated depreciation means taking more depreciation in the first few years and less depreciation in the later years of the machine's life.
    • Déclarations réglementaires
    • alcul de rentabilité
  • Self-service client

    A travers iMX Extranet, le client peut suivre ses dossiers sur internet, procéder à des mises à jours ou des demandes de mise à jour, faire des simulations, charger ou télécharger des documents,…

Gestion

  • Activation du contrat
  • Mise en place du tableau d’amortissement définitif
    An amortization schedule is a complete table of periodic loan payments. This table can show the amount of principal and the amount of interest that comprise each payment until the loan is paid off at the end of its term. The last line of the schedule shows the borrower’s total interest and principal payments for the entire loan term.
  • Commissionnement des apporteurs / vendeurs
    A commission is a service charge assessed by a investment advisor or broker in return for providing investment advice and/or handling the purchase or sale of a security. Commissions vary widely from brokerage to brokerage. Most major, full-service brokerages derive much of their profits from charging commissions on client transactions.
  • Facturation des échéances / loyers
    A payment made as part of a series of payments on the same good, service, or obligation. Installment Debts are debts that are repaid with a fixed number of payments of equal amount, like an auto loan.
  • Reversements des prestations
    Repayment is the act of paying back money previously borrowed from a lender. Repayment usually takes the form of periodic payments that normally include part principal plus interest in each payment.
  • Regoupement de factures notamment pour la gestion de flotte
  • Edition personnalisée des factures
  • Réception des paiements / identification / lettrage
  • Suivi de consommation / unités de mesure
  • Facturation des participations
  • Recouvrement : préventif / amiable / contentieux : détection des impayés, relance, échelonnement des impayés,…
  • Suivi du compte client
  • Avenants :
    • Ajout / suppression de service / assurance
    • Renégociation
    • Remboursement anticipé partiel
  • Actions de masse : avenants, fins, restitutions,…
  • Sinistres sur bien ou sur individu (temporaire et définitif)
  • Terminaison : à terme , anticipée, déchéance du terme
  • Prolongation automatique / manuelle
  • Récupération du bien
  • Revente du bien (à un tiers)
  • Relocation

CONTACTEZ-NOUS

+33(0)4 89 87 77 77 codix.eu info@codix.eu
Immeuble Le Carat, 200 Rue du Vallon, Sophia-Antipolis,
06560 VALBONNE, FRANCE