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For Lenders
Stronger dealer relationships start with cleaner data.
Trnsact connects lenders directly to verified credit applications that begin in the dealer’s own branded workflow. Each submission arrives structured, compliant, and ready for decisioning. Dealers keep control of their process, and your team receives better files from partners you already trust.
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Built for Lenders

You don’t need new dealers. You need better files.

Trnsact standardizes intake across your dealer network without asking anyone to change how they sell. The credit application is sent by the dealer using their branding. Customers complete it from anywhere, on any device, with clear prompts that collect everything your underwriters require.

Lender FIle Intake Diagram
By the time the application reaches your team, it is already formatted, complete, and compliant, with consent, identity checks, and supporting details attached to the file. No PDFs to print and scan. No missing fields. No second requests just to get to first review.

Compliance runs in the background of every application.

Every submission is validated inside the same digital workflow where the dealer and buyer already work. Required fields, signatures, and identity checks are enforced before the file is ever sent to your system.

You receive applications that already meet your program and regulatory requirements, including Red Flags evidence and a complete audit trail. That means less rework for underwriting teams and stronger protection for your institution without adding extra portals or steps.

Connected to your systems

Your LOS, your process, connected directly.

Trnsact connects to your existing LOS or decisioning platform through secure API or structured file intake. You stay in your current systems while your dealers send you cleaner data.

Submissions include all required data points, timestamps, signatures, and consent, so your team can underwrite without rekeying or chasing documents. Responses flow back into the same dealer led workflow, so your decisions reach the right contact instantly, without extra emails or separate logins.

API or file-based intake options
Verified digital signatures and consent

Evidence trails for every submission

Instant visibility of decisions for dealers
Program consistency

Your programs, applied the right way every time.

With Trnsact, program rules and eligibility are applied at the point of sale, not after the fact. Dealers see the structures and options that match your guidelines as they build the deal.

OEM captive and preferred lender programs can enforce guardrails while still giving dealers flexibility to quote correctly the first time. Program compliance becomes automatic, and reporting shows exactly how your offerings are used and performing across every connected dealer.

We started receiving complete, compliant files from day one. The difference was immediate.”

Johnathon Doe

CEO, Capitol One

Partnership, not marketplace

You stay in control of your dealer network.

Trnsact is not a marketplace. Dealers choose which lenders they work with, and applications are sent directly to the partners they already rely on.

Our role is to make the process cleaner, more consistent, and easier to manage on both sides. You maintain the relationships. We provide the shared digital rails that keep files complete, compliant, and visible from application through funding.

EXPLORE THE platform

Built to fit the full dealer workflow.

Trnsact is more than a data intake tool. It connects every step of the dealer’s sales and financing process so the application you see is only one part of a clean, end to end record.

Dealer Workflow

Where quotes, credit applications, protection selections, and documents originate under the dealer’s brand.

Compliance Layer

Validates required fields, signatures, identity checks, and disclosures, then records them to the same file.

Programs and Incentives

Surfaces OEM and lender programs accurately at the point of sale so deals are structured the right way.

Reporting and Insight

Measures adoption, approval rates, and program performance across dealers, stores, and regions.
valued outcomes

Cleaner intake.
Consistent execution.
Happier dealers.

By connecting at the dealer’s point of sale, you shorten the distance between application and approval while strengthening relationships with the partners who send you business. Trnsact removes friction and noise from the file so your teams can focus on making sound credit decisions and funding more of the right deals.
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rekeying required for participating lenders.
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faster credit decision cycle times.
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program rule compliance across connected dealers.
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