FAST is the automated pre-qualification engine for South African vehicle finance. We verify the client's income from bank statements and payslips, reconcile declared expenses against actual ones, and structure the deal against bank affordability rules — so the first load of the application is the best load. No iterations. No second-guessing. Your strongest shot, first time, every time.
Vehicle finance is unforgiving. The bank sees one version of the application — and decides on it in minutes. A weak first submission gets a decline that's hard to recover from, even when the deal is fundamentally approvable.
The application form says R3,200 in monthly expenses. The bank statement shows R8,800. The bank will spot it before you do — and the deal comes back declined on affordability that could have been resolved up-front.
Every application is a first impression. The bank reads structure, equity, affordability and profile in a single pass. A weak first submission costs you the deal — and a re-submission of the same numbers won't change the answer.
Once the customer hears no, you have minutes. Without a tool to recompute instalment, deposit, equity load and term in real time, the customer cools — and the deal walks out the showroom.
Three engines, running on every application, in parallel. Built specifically for South African dealer finance — for the documents you receive, the rules you submit under, and the questions the banks ask.
We read the bank statements and payslips and build a true affordability profile. Declared income reconciled against actual deposits. Declared expenses reconciled against actual debits. The picture the bank will see — before you submit it.
We compute the equity load correctly — vehicle value, trade settlement, deposit, fees, balloon and extras — and back-solve the instalment for the term, the vehicle age, and the client's true affordability. The deal that fits the customer, not the one that looks good on paper.
We surface every fact the bank will query — before the bank asks. Employer tenure, income volatility, unexplained debits, settlement context, debit order behaviour. The FNI sees the questions coming and walks the customer through them up-front.
FAST is a web app. Open it on your iPad or PC, drop in the customer's documents, and the structured deal comes back. No installation, no per-seat licence, no learning curve.
Three bank statements. Up to six payslips. The finance application. A settlement letter if there is one. Standard PDFs from any South African bank — exactly the documents you already collect.
Income reconciliation, expense reconciliation, equity loading, deal structuring and profile readiness — all running in parallel. Average pipeline time: under 90 seconds.
The instalment the customer qualifies for. The correct equity load. The recommended deposit and vehicle line. Want to add tracker, paint protection, tyre & rim, service plan? Just type the extra — FAST prices it and rolls it into the deal. Affordability, profile notes and risk band all in one view.
Right structure, right equity, right profile, right number. If a decline comes back, FAST restructures in real time — so the second shot still lands while the customer is in the chair.
FAST isn't a calculator. It's the difference between a 60% finance conversion rate and an 80% one — across every desk in your dealership.
A newer FNI runs a senior FNI's playbook from day one. A senior FNI runs three deals in the time they used to run one. Every desk in the dealership working from the same structured, defensible basis — with the affordability and equity correctly loaded every time.
Better-structured applications convert at higher rates. Restructured declines come back as approvals. The deals that used to walk out the showroom stay in it — and the customer drives the vehicle home that day, not next week, not never.
Dealer Incentive Commissions follow approval rates, finance penetration and structure quality. When more applications approve on the first shot — and at the right rate, on the right product — the DIC follows. FAST pays for itself in the first handful of deals.
Credit-based — no monthly seat licence, no per-FNI cost. Buy a credit pack, use it across every FNI in every dealership in your group. Volume rates available for large groups.
Per new underwrite — full pipeline, all engines
Roughly 5 new applications · ~20 re-runs
For dealer groups, principal-pooled credit, or per-dealership billing
Sign your dealership up in two minutes. We'll issue your first credit pack and you can be running deals in your first hour. Easy to use. Easy to elevate performance.