XpressCredit™ -SaaS – a fintech and financing portal for the indirect used auto market. For Lenders: CRM and Loan Origination System (LOS) or interface to customer LOS For Dealers: CRM, DMS, LOS and F&I Menu The portal is a web-based credit decisioning engine, reporting and workflow management software tool, presented in a SaaS environment. Modules include: Screening consumer applicant via Licensee’s Eligibility Rules; Monitor – manages underwriting workflow and tasks; Credit decisioning via Licensee’s or Licensor’s underwriting platform Loan Analyzer – analyze applications including “what-if” scenarios through funding; Access to external interfaces to underwrite a consumer contract including vehicle valuations; vehicle history reports; credit reports; legally complaint documents; tax tables; access to after-market providers, and others that may be required to finance the loan.