Most vehicle deals are finance deals — and in most dealerships the finance leg lives in a separate spreadsheet, reconciled with the sale by shouting across the floor. In xMatix the finance case is part of the deal record itself: raised with the opportunity, quoted in EMIs the customer can compare, tracked through the financier's decisions, and reconciled to the invoice without re-keying.
A finance case, not a sticky note
The finance case carries the deal's financial anatomy in three honest stages — requested, approved, disbursed — each with its own amount, down payment, interest rate, tenure and computed EMI. When the financier approves less than requested, the delta is visible, not discovered at delivery. Financier and scheme masters keep the panel of banks and NBFCs and their terms in one place.
EMI conversations with a calculator, not a guess
An embedded EMI calculator turns the negotiation into scenarios: this variant, that down payment, this tenure — recomputed live while the customer is at the desk. The chosen structure becomes the finance case; the customized quote from the configurator and the finance structure travel together to the order.
Disbursement flows to the invoice by itself
When the disbursed amount lands, it flows onto the order and invoice automatically — the financed portion, the customer's margin money and the receivable all agree, because they are one record. No month-end hunt for deals invoiced before disbursement; the books and the showroom see the same numbers.
The follow-through is owned
Document checklists, financier queries and approval chasing are tasks on the case with owners and dates. A deal stalled in finance is visibly stalled in finance — with a name attached — instead of generically "in process". Corporate and fleet buyers follow the same rail with their own credit terms and e-invoice-ready GST billing.
Common questions
How does xMatix track a vehicle finance application?
As a finance case attached to the deal, with requested, approved and disbursed stages — each carrying its own amount, down payment, rate, tenure and EMI. The differences between stages are explicit, so a short approval or partial disbursement is visible the moment it happens.
Is there an EMI calculator for the sales conversation?
Yes — an embedded EMI calculator runs scenarios live at the desk: change the down payment, tenure or rate and the instalment recomputes. The structure the customer accepts becomes the finance case, not a number scribbled on the brochure.
What happens when the financier disburses?
The disbursed amount flows onto the order and the invoice automatically, so the financed portion and the customer's own payment reconcile in the books without re-entry. Deals invoiced ahead of disbursement stand out instead of hiding.
Can multiple financiers and schemes be compared?
Financier and scheme masters hold your panel's terms, so a deal can be worked against the schemes you actually have — and which financier converts, approves fastest or cuts the most approvals is measurable across the pipeline.