Drive Ninja SwiftCredit
Your finance book, your credit policy, our engine
A hosted credit decision engine, scoring system and customer-facing application UI for dealer-captive finance. Configure to your policies, plug into LiveQuote for origination and FinanceFlow for fulfilment.
Who SwiftCredit is for
SwiftCredit is built for dealer groups and independents that run — or plan to run — their own finance arm. If your finance is mediated entirely by external banks, our FinanceFlow and LiveQuote products will get you most of the way. SwiftCredit kicks in when you want to make the credit decision yourself.
Multi-brand dealer groups
Groups with an in-house finance arm looking to digitise decisioning across multiple brands and locations.
Independents with captive finance
Independent dealers running their own finance book who want a modern engine and a customer-facing UI without building either.
Dealers launching captive finance
Operators planning to launch in-house finance who want the technology stack ready on day one, without spending a year building it.
A captive-finance deal, end to end
SwiftCredit sits between origination (LiveQuote) and fulfilment (FinanceFlow). Here's a typical deal flowing all the way through.
Quote created in LiveQuote
Your F&I exec creates the quote in your DMS as normal. The deal is generated in LiveQuote with captive finance offered alongside any bank options.
Customer applies for in-house finance
From the LiveQuote handoff, the customer fills out the captive-finance application — branded as yours, hosted by SwiftCredit.
Decision engine runs the application
The hosted decision engine evaluates the application against your configured credit policy, using the scoring system to produce a decision.
Auto-approve or refer to credit team
Clear-cut applications are auto-decisioned in minutes. Marginal applications are queued for manual review by your credit controllers in the SwiftCredit workflow UI.
Decision returned to LiveQuote
Approval (or terms, or decline) is returned to the LiveQuote deal. The customer accepts terms, the deal moves forward.
Hand-off to FinanceFlow
On acceptance, the deal becomes a FinanceFlow workflow — contracting, payment, registration, asset charge — all linked to the same audit trail.
What's in SwiftCredit
A hosted decisioning engine, a scoring model, and a customer-facing application UI — combined into one captive-finance product, integrated with the rest of the Drive Ninja platform.
Hosted decision engine
A rules engine that runs your credit policy as you've defined it — eligibility, affordability, exposure caps, product matrices, exclusions. You own the policy, we host the engine that runs it.
- Configurable rules for eligibility, affordability and exposure
- Per-product, per-segment and per-channel policy variants
- Versioned policies with full audit history
- Test mode for safely iterating on rule changes
Built-in scoring system
A Drive Ninja-provided scoring model that complements your rule-based policy — calibrated to local data and configurable per portfolio segment. Use it standalone or weight it alongside your own scoring.
- Drive Ninja scoring model, tunable per portfolio
- Combine with your own scorecard via weighted ensembles
- Reason codes returned with every decision
- Score drift monitored over time, alerts on portfolio shifts
Configurable application workflow & UI
The customer-facing application form is yours to shape — fields, sections, document uploads, conditional logic. The credit controller's review workflow is configurable in the same way.
- Configurable form builder for the customer-facing application
- Branded as your finance arm, not as Drive Ninja
- Document upload, KYC checks and conditional logic supported
- Internal review workflow with task assignment and escalation
Auto-decision in minutes, manual where needed
Clear-cut applications get an answer in minutes. Marginal applications land in the credit controller's queue with full context — score, policy hits, application data — so the human decision is informed and fast.
- Configurable auto-decision thresholds per product and segment
- Manual review queues for marginal applications
- Decision reasoning captured for every outcome
- SLA tracking and aging alerts on pending reviews
End-to-end integration with LiveQuote and FinanceFlow
SwiftCredit isn't a standalone island. A LiveQuote can lead into a SwiftCredit application; an approved SwiftCredit decision feeds into FinanceFlow for fulfilment. One journey, one audit trail.
- LiveQuote → SwiftCredit handoff for captive finance applications
- SwiftCredit → FinanceFlow handoff for approved deals
- Shared customer, vehicle and dealer records across all three products
- Single audit trail covering origination, decisioning and fulfilment
Audit-ready, regulation-friendly
Every decision, every policy version, every manual override is logged. Conventional and Sharia-compliant finance structures are supported natively, with reporting suited to the regulators you actually answer to.
- Immutable decision log with reason codes
- Policy version history for every applied decision
- Manual-override capture with required justification fields
- Native support for conventional and Sharia-compliant finance
See SwiftCredit running your credit policy
30 minutes — we'll walk you through the decision engine, the application UI, and an end-to-end captive-finance deal flowing through LiveQuote → SwiftCredit → FinanceFlow.
Schedule a DemoContinue exploring
SwiftCredit is one of four products on the Drive Ninja platform.
Marketplace
Better-qualified leads — bank-embedded, public, and branded landing pages.
FinanceFlow
Digital fulfilment — quote to LPO to payment to registration to asset charge.
LiveQuote
Showroom-floor purchase via QR code into the customer's banking app.
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All four products on one platform — see how they fit together.