Grow wisely.

Pricing Program Advantage

“I found my ideal rate online and the dealer delivered.”

A breakthrough solution that provides borrowers with customized rate shopping, dealers with visibility into transactions, and lenders with an integrated, consistent, and responsive pricing tool.

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Pricing Program Advantage

Pricing Program Advantage (PPA) is a standalone pricing engine that supports all lending products fulfilled through any borrower portal or dealer channel. Using definable matrices and calculations along with a robust rules engine, the tool supports near unlimited multi-dimensional pricing models. PPA aggregates, manages, and provides pricing from a single repository with automation and change management controls, allowing you to provide targeted pricing quickly while reducing cost and ensuring compliance.

Pricing Program Advantage integrates easily into third- party systems while maintaining the pricing controls that you set. The solution also allows you to update your pricing and programs in real time to keep up with changing market conditions.

Pricing Program Advantage Benefits:

• Brand-consistent pricing • Real-time pricing program updates • Multi-channel consistency • Increased brand awareness and positivity among borrowers

Newly independent and inspired by a vision of where lending technology is going, Sagent Lending Technologies brings an entrepreneurial energy to clients that’s grounded by industry-leading credibility.

Today, we proudly carry forward ahistory rich in commitment to our clients and extensive experience within the world of pricing and lending technology. Sagent values stronger partnerships, a sharper focus, and the ability to move swiftly and grow wisely.

About Sagent Lending Technologies

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Consistent pricing and program data are important because an increasing amount of borrowers are completing most of their vehicle shopping online. This change in borrower behavior necessitates an omni-channel experience no matter where the borrower goes on the web, the pricing and program data that they see is the same. Disparate systems and inefficient, ineffective processes can cause your pricing and program data to be inconsistent, unresponsive, inflexible, and fragmented – leading to a poor online shopping experience for the borrower.

Most of the pricing solutions in the market today are either not true pricing engines or they are built in-house and are costly to construct and maintain. Custom homegrown pricing solutions can take months to build and require ongoing maintenance to address changing market demands. Depending on the intricacy of your pricing model, there can be tens of thousands of rows and complex matrices of pricing data that you have to manage. When a change is required, you often have to go through a series of manual processes using a dedicated staff to make the pricing adjustment to the data itself. This creates an inefficient change model that is prone to human errors.

48%* of today’s borrowers are comfortable applying for loans online — expecting a transparent, customized experience.

Fortunately, there’s Pricing Program Advantage (PPA) which gives borrowers the tailored information they need to make financial decisions in real-time (whether they’re shopping online, in person, or on mobile) and allows you to manage all of your pricing and program data through a single solution in order to minimize expense and maximize accuracy, efficiency, and compliance. PPA even includes brokers and dealers in the process, seamlessly syncing all the major constituents with the same transaction.

One system can really manage it all. Instead of creating custom-built solutions with ongoing development costs and a unique staff to support it, Pricing Program Advantage is a single system that is easily configurable by business users, without the need for IT. PPA allows you to create borrower-centric programs and pricing that are based on well-defined, preset criteria. For example, the make and model of a selected vehicle within a certain geography.

Better yet, PPA integrates the data response to point solutions in the transaction’s workflow in real-time. Now, your pricing data is more integrated, flexible, responsive, and consistent than ever before.

Results – Borrowers are more satisfied with the process of securing relevant and applicable pricing based on their financial status, which ultimately leads to more funded contracts.

*2018 Borrowing and Wealth Management Survey

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The Solution that Checks All Your Boxes

Consistent Responsive Flexible Integrated

Manage all products in a single solution

Audit the entire pricing process to track changes

and compliance

Support all program types including incentives and

standard rates

Access pricing anywhere from any device all in

real time

Configure your pricing products without costly

code changes

Reduce data entry time with automated file loads

Offer borrowers multiple program and rate options

in a single response

Accommodate varied pricing strategies for any

product or collateral

Use configurable matrices,rules, and expressions to support a near unlimited amount of pricing models

Support any point solution integration with

configurable data mapping

Provide channel or partner-specific pricing

and program data

Minimize cost with a single set of transactions that

can be used for any point solution

(844) 724-3687 info@sagentlending.comsagentlending.com

Sagent Lending Technologies1000 Continental DriveSuite 500King of Prussia, PA 19406

© 2019 Sagent Auto, LLC and Sagent M&C, LLC, d/b/a Sagent Lending Technologies