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Charts

The Charts menu option is used to manage various financial and performance-related criteria, referred to as charts, within the system. This menu allows users to create, view, edit and delete charts that define business and calculation criteria for different lending programs and operations. By configuring charts, users can set parameters such as interest rates, subsidies, fees and other financial metrics. For example, an interest rate chart can be defined based on factors such as asset type, term duration, credit score or margin. Similarly, charts can also be configured for residual value/balloon payments and other metrics. The system allows multiple criteria to be combined in a single chart, ensuring comprehensive financial calculations are accurately represented across the platform, providing a structured and consistent approach to managing financial data and business rules.

Charts

Charts

Base Rate Chart

The Base Rate Chart is essential for setting the foundational interest rates applied to lending products within the system. It determines the initial rate before any adjustments or specific criteria like tenures and dates are applied. Users can define multiple base rate charts based on various tenures and effective dates, ensuring precise and flexible interest rate configurations for financial products.

Base Rate Chart Add New Record

Base Rate Charts Add New Record

To configure and manage base rate charts, follow these steps:

  1. Add New Base Rate: Use this option to create a new base rate chart. Ensure that the new chart does not overlap with any existing charts.

  2. Select Option Base Rate Source (Optional): Choose the source of the base interest rate. Available sources include options such as LIBOR, SOFR, SONIA and EURIBOR.

  3. Select Option Tenure: This refers to the duration for which the base rate is defined. Tenure options include 7 days, 15 days, 30 days, 60 days and 90 days.

  4. Input Base Rate: This field allows the user to enter the base rate value (up to four decimal points).

  5. Effective Date: Specify the date from which the respective base rate chart becomes effective.

  6. Managing Existing Records: All base rate charts are displayed in a tabular format. Users can filter records using the Search Bar and make changes through the ellipsis menu, provided the effective date is in the future. The ellipsis menu allows users to Edit or Delete the entry, but:

    • If the Effective Date has already passed, the chart criteria cannot be edited.
    • A base rate chart cannot be deleted if it is linked to a financial product or if its effective date is in the past.

  7. Validations:

    • No Overlapping Criteria: Charts cannot have overlapping effective dates or criteria.
    • Deletion Restrictions: A chart cannot be deleted if it is linked to a financial product (FP).
    • Locked Criteria: Criteria associated with past dates or locked configurations cannot be edited.

  8. Example:

    • If a user creates a record with an effective date of 01-Jan-2025, any new record must have a future effective date (e.g., 02-Jan-2025). Upon reaching the new effective date, the previous record will automatically be disabled and the new rate will take effect.

Base Rate Chart

Base Rate Chart

Margin Rate

The Margin Rate Chart is used to define the additional percentage or amount added to the base rate, which helps in determining the final interest rate for loans or financial products. The margin is typically based on various factors such as credit score, loan term and other risk-based criteria. This chart allows users to configure multiple margin rate charts with unique names, enabling the system to apply specific margin values to lending operations based on predefined criteria. These criteria include asset details, terms and financial metrics, ensuring accuracy in financial calculations and consistency across the system.

Margin Rate Chart Add New Record

Margin Rate Charts Add New Record

To configure and manage margin rate charts, follow these steps:

  1. Add New Chart: Click the Add New Chart button to input chart details. Each chart must have a unique name and must not overlap with an existing chart. Users are required to input a chart name, select its status, define business criteria and specify output parameters.
  2. Input Chart Name: Enter a unique name for the margin rate chart. This name will serve as a reference for the respective record whenever needed.
  3. Select Option Status: Choose whether the chart will be Enabled or Disabled. Enabled charts will be available for further use, while disabled charts will not be accessible for future operations.
  4. Select Options Asset Make/Model/Trim: Choose the asset’s make, model and trim from the drop-down lists populated with records from the Asset Catalogue under General Setups in Company Configurations.
  5. Select Option Manufacturer: Select the manufacturer of the respective asset.
  6. Select Option Purchase Option: Indicate whether a purchase option is applicable at the end of the term.
  7. Select Option Asset Condition: Define the condition of the asset. The drop-down list is populated from records in the Asset Condition tab under General Setups.
  8. Select Option Asset Usage: Specify how the asset will be used, such as for commercial or non-commercial purposes. This is populated from the Asset Usage tab under General Setups.
  9. Select Option Terms: Define the range of terms for the chart, such as 1-12 months or 13-24 months. These options come from the Term tab under Program Setups.
  10. Select Option Credit Score: Indicate the customer’s credit score, which can range from excellent to poor. The options come from the Credit Score tab under Program Setups.
  11. Select Option Finance Amount Range: Specify the financed amount range, pulled from the Finance Amount tab under Program Setups.
  12. Select Option Business Unit: Choose the business unit associated with the criteria, populated from the Business Unit tab under Program Setups.
  13. Select Option for Finance Type(s): Select whether the chart applies to Finance, Lease or both.
  14. Select Option Customer Type: Define the customer type associated with the chart.
  15. Select Option Asset Category: Specify the asset category.
  16. Select Option Asset Type: Choose the type of asset being financed.
  17. Select Option Product Type: Indicate the product type involved in the chart.
  18. Select Option Business Trading Age: Define the business’s trading age, populated from the Business Trading Age tab under Order Setups.
  19. Select Option Down Payment Range: Specify the down payment range, such as 10%-15% or 16%-20%.
  20. Select Option Margin Type: Choose the type of margin, which can be a percentage rate.
  21. Select Option Rate Type: Define whether the rate is Net Yield, APR, Flat or Money Factor.
  22. Margin: Enter the specific margin rate. You can also define a minimum and maximum margin to establish a range for the margin rate.
  23. Margin Range: Specify the minimum and maximum margin for the chart.
  24. Search Bar: Use the search bar on top of each column to filter records based on criteria such as asset, terms or credit score.
  25. Ellipsis Menu for Chart: An ellipsis menu on the right side of each chart allows users to Rename, Delete or Add Criteria. When renaming, only the chart name and status are editable. In case of deletion, a validation ensures that the chart can only be deleted if it is not attached to a financial product (FP). When adding a new criterion, users can select multiple criteria and upon saving, these will be included in the chart.

Margin Rate Chart

Margin Rate Charts

  1. Ellipsis Menu for Criteria: An ellipsis menu on the right side of each criterion allows users to Edit or Delete it. Users can modify existing criteria, but deletion is only possible if the criterion is not associated with an FP.
  2. Validations:
  • No Overlapping Criteria: Charts cannot have overlapping effective dates or criteria.
  • Deletion Restrictions: A chart cannot be deleted if it is linked to a financial product (FP).
  • Locked Criteria: Criteria associated with past dates or locked configurations cannot be edited.

Margin Rate Chart

Margin Rate Charts Edit Delete Criteria

RV/Balloon

The RV/Balloon chart defines the residual value or balloon payment amounts for assets at the end of a loan term. This chart helps estimate the asset’s value at the end of the financing period, impacting the loan structure and repayment schedule. By configuring RV/Balloon charts, users can better manage and predict asset values, ensuring accurate financial planning and offering flexible financing options. Users can create multiple RV/Balloon charts, each with a unique name and associated business criteria.

RV/Balloon Charts add New Record

RV/Balloon Charts Add New Record

To manage RV/Balloon charts, follow these steps:

  1. Add New Chart: Click Add New Chart to define new RV/Balloon chart details. The chart name must be unique and overlapping charts are not allowed. Users must input a chart name, select status and define business criteria and output parameters.
  2. Input Chart Name: Enter the unique name for the RV/Balloon chart. This name will serve as a reference for the chart when needed.
  3. Select Option Status: Set the chart as Enabled or Disabled. Enabled charts are available for use, while disabled charts will be hidden from future operations.
  4. Select Options Asset Make/Model/Trim: Choose the asset’s make, model and trim. These options are populated from the Asset Catalogue in General Setups under Company Configurations.
  5. Select Option Asset Condition: Define the condition of the asset from options populated in the Asset Condition tab in General Setups.
  6. Select Option for Finance Type(s): Define whether the chart applies to Finance, Lease or both.
  7. Select Option Customer Type: Choose the customer type related to the chart.
  8. Select Option Asset Category: Specify the asset category.
  9. Select Option Asset Type: Choose the asset type.
  10. Select Option Asset Type: Choose the type of asset being financed.
  11. Select Option Asset Usage: Specify the asset’s usage, such as commercial or non-commercial purposes. Options are drawn from the Asset Usage tab in General Setups.
  12. Select Option RV Guarenteed select options are Yes and No.
  13. Select Option Terms: Define the term range for the chart, e.g., 1-12 months, 13-24 months, etc. These are set up in the Term tab under Program Setups.
  14. Select Option Annual Mileage: Define the annual mileage range for the chart, e.g., 01-999 miles, 1000-9999 miles, etc. These are set up in the Annual Mileage tab under Program Setups.
  15. Select Option Purchase Option: Define whether a purchase option is applicable at the end of the term.
  16. Select Option Finance Amount Range: Choose the financed amount range, populated from the Finance Amount tab under Program Setups.
  17. Select Option for RV/Ballon Type: refers to the type of residual value e.g. residual value type can be percentage which means residual value or balloon payment will be calculated on the basis of percentage.
  18. Default Value refers to the percentage rate of residual value/balloon payment. User can also define Minimum Value and Maximum Value in order to define range for a rv/balloon payment while defining a chart/criteria.
  19. Ellipsis Menu for Chart: An ellipsis menu on the right of each chart provides options to Rename, Delete or Add Criteria. For renaming, only the chart name and status can be changed. Charts can only be deleted if not attached to a financial product (FP). New criteria can be added and upon saving, the chart will include the updated criteria.

RV/Balloon Charts

RV/Balloon Charts

  1. Ellipsis Menu for Criteria: Each criterion has an ellipsis menu for Edit or Delete. Users can modify criteria except for those attached to FPs or related to past dates.
  2. Validations:
  • No Overlapping Criteria: Charts cannot have overlapping effective dates or criteria.
  • Deletion Restrictions: A chart cannot be deleted if it is linked to a financial product (FP).
  • Locked Criteria: Criteria associated with past dates or locked configurations cannot be edited.

RV/Balloon Chart

RV/Balloon Charts Edit Delete Criteria

Down Payment

The Down Payment chart is used to configure the required down payment amounts for various financing scenarios. This chart allows users to define the minimum and maximum down payment percentages or amounts that borrowers need to provide upfront when financing an asset. By setting up Down Payment charts, users ensure that financing terms are aligned with the lender’s policies and risk management strategies. Users can configure multiple Down Payment charts, each requiring a unique name. The chart configuration requires input for Chart Name, Chart Status, Business Criteria and Output Parameters.

Down Payment Charts Add New Record

Down Payment Charts Add New Record

To manage Down Payment charts, follow these steps:

  1. Add New Chart: Click the Add New Chart button to define the details of a new Down Payment chart. Each chart must have a unique name and overlapping charts are not allowed. Input the chart name, select its status, define business criteria and specify output parameters.
  2. Input Chart Name: Enter a unique name for the Down Payment chart. This will serve as a reference for the chart when needed.
  3. Select Option Status: Choose whether the chart will be Enabled or Disabled. Enabled charts will be accessible for further use, while disabled charts will not be available for future operations.
  4. Select Options Asset Make/Model/Trim: Choose the asset’s make, model and trim from the drop-down lists. These options are populated from the Asset Catalogue in General Setups under Company Configurations.
  5. Select Option Asset Condition: Define the condition of the asset. The available options are populated from the Asset Condition tab in General Setups.
  6. Select Option Terms: Define the term range for the chart, such as 1-12 months or 13-24 months. These options are set in the Term tab under Program Setups.
  7. Select Option Credit Score: Indicate the customer’s credit score, ranging from excellent to poor. The available options are populated from the Credit Score tab under Program Setups.
  8. Select Option Finance Amount Range: Choose the finance amount range, which is populated from the Finance Amount tab under Program Setups.
  9. Select Option Asset Usage: Specify how the asset will be used (e.g., for commercial or non-commercial purposes). This information is populated from the Asset Usage tab in General Setups.
  10. Select Option for Down Payment Type: Choose the type of down payment, such as a percentage. This indicates whether the down payment amount will be calculated based on a percentage of the total financing amount.
  11. Default Value: Enter the percentage rate for the down payment. Additionally, users can define a Minimum Value and a Maximum Value to establish a range for the down payment in the chart or criteria.
  12. Ellipsis Menu for Chart: An ellipsis menu is available on the right side of each chart, providing options to Rename, Delete or Add Criteria. When renaming, only the chart name and status can be modified. Deletion is restricted to charts that are not linked to a financial product (FP). Users can add new criteria to the chart and once saved, the chart will include the updated criteria.

Down Payment Charts

Down Payment Charts

  1. Ellipsis Menu for Criteria: Each criterion has an ellipsis menu that allows users to Edit or Delete the criterion. Criteria linked to FPs or related to past dates cannot be modified or deleted.
  2. Validations:
  • No Overlapping Criteria: Charts cannot have overlapping effective dates or criteria.
  • Deletion Restrictions: A chart cannot be deleted if it is linked to a financial product (FP).
  • Locked Criteria: Criteria associated with past dates or locked configurations cannot be edited.

Down Payment Chart

Down Payment Charts Edit Delete Criteria

Commission

The Commission chart is used to configure and manage commission structures for various financing programs. This chart allows users to define commission rates and criteria based on different business parameters. Users can specify commission percentages or amounts, applicable terms and conditions under which commissions are paid. By setting up Commission charts, users ensure that all commission-related details are accurately recorded and applied in line with the lender’s policies. Users can configure multiple Commission charts, each requiring a unique name. The chart configuration requires input for Chart Name, Chart Status, Business Criteria and Output Parameters.

Commission Charts Add New Record

Commission Charts Add New Record

To manage Commission charts, follow these steps:

  1. Add New Chart: Click the Add New Chart button to define the details of a new Commission chart. Each chart must have a unique name and overlapping charts are not allowed. Input the chart name, select its status, define business criteria and specify output parameters.
  2. Input Chart Name: Enter a unique name for the Commission chart. This will serve as a reference for the chart when needed.
  3. Select Option for Commission Type: Choose the type of commission, either Percentage or Amount. In the case of Percentage, the commission is calculated as a percentage of the financed amount, while for Amount, the commission is a fixed sum.
  4. Select Option Status: Choose whether the chart will be Enabled or Disabled. Enabled charts will be available for use, while disabled charts will be hidden from future operations.
  5. Select Options for Asset Make/Model/Trim: Choose the asset’s make, model and trim from the drop-down lists. These options are populated from the Asset Catalogue in General Setups under Company Configurations.
  6. Select Option Purchase Option: Define whether a purchase option is applicable at the end of the term.
  7. Select Option Asset Condition: Define the condition of the asset. The available options are populated from the Asset Condition tab in General Setups.
  8. Select Option for Finance Type(s): Define whether the chart applies to Finance, Lease or both.
  9. Select Option Customer Type: Choose the customer type related to the chart.
  10. Select Option Asset Category: Specify the asset category to which the chart applies.
  11. Select Option Asset Type: Choose the asset type.
  12. Select Option Product Type: Indicate the product type involved in the chart.
  13. Select Option Terms: Define the term range for the chart, such as 1-12 months or 13-24 months. These options are set in the Term tab under Program Setups.
  14. Select Option Credit Score: Indicate the customer’s credit score, ranging from excellent to poor. The available options are populated from the Credit Score tab under Program Setups.
  15. Select Option Finance Amount Range: Choose the finance amount range, populated from the Finance Amount tab under Program Setups.
  16. Select Option Asset Usage: Specify how the asset will be used (e.g., for commercial or non-commercial purposes). This information is populated from the Asset Usage tab in General Setups.
  17. Output Parameters for Commission Type (Amount): If Amount is selected as the Commission Type, input the following values:
  • Default Commission Amount: Enter the default commission amount.
  • Minimum Commission Amount: Set the minimum commission amount.
  • Maximum Commission Amount: Set the maximum commission amount.
  1. Output Parameters for Commission Type (Percentage): If Percentage is selected as the Commission Type, input the following values:
  • Calculation Basis: Select an option from the drop-down list, which includes Asset Cost Including Tax, Asset Cost Excluding Tax, Net Finance Amount and Interest Income. The commission will be calculated based on the selected option.
  • Default Commission Percentage: Enter the default percentage for the commission.
  • Minimum Commission Percentage: Set the minimum percentage for the commission.
  • Maximum Commission Percentage: Set the maximum percentage for the commission.
  1. Commission Amount Split: The commission amount can be split as a percentage across multiple entities, such as GL, Customer, Manufacturer and Sales Representative. The total split percentage cannot exceed 100%.
  2. Ellipsis Menu for Chart: Each chart has an ellipsis menu on the right side, providing options to Rename, Delete or Add Criteria. When renaming, only the chart name and status can be modified. Deletion is restricted to charts that are not linked to a financial product (FP). New criteria can be added and once saved, the chart will include the updated criteria.

Commission Charts

Commission Charts

  1. Ellipsis Menu for Criteria: Each criterion has an ellipsis menu that allows users to Edit or Delete the criterion. Criteria linked to FPs or related to past dates cannot be modified or deleted.
  2. Validations:
  • No Overlapping Criteria: Charts cannot have overlapping effective dates or criteria.
  • Deletion Restrictions: A chart cannot be deleted if it is linked to a financial product (FP).
  • Locked Criteria: Criteria associated with past dates or locked configurations cannot be edited.

Commission Chart

Commission Charts Edit Delete Criteria

Subsidy

The Subsidy chart is used to configure and manage subsidies associated with various financing programs. This chart allows users to define subsidy amounts or percentages and the criteria under which they apply. Users can configure multiple subsidy charts with unique names. While defining a new chart, the required information includes the Chart Name, Chart Status, Business Criteria and Output Parameters.

Subsidy Charts Add New Record

Subsidy Charts Add New Record

To manage Subsidy charts, follow these steps:

  1. Add New Chart: Click the Add New Chart button to define the details of a new Subsidy chart. Each chart must have a unique name and overlapping charts are not allowed. Input the chart name, select its status, define business criteria and specify output parameters.
  2. Input Chart Name: Enter a unique name for the Subsidy chart. This will serve as a reference for the chart when needed.
  3. Select Option for Subsidy Type: Choose the type of subsidy: Target Base Rate, % from Dealer and % from Manufacturer or Adjusted Customer Rate.
  4. Select Option Status: Choose whether the chart will be Enabled or Disabled. Enabled charts will be available for use, while disabled charts will not be available for future operations.
  5. Select Options for Asset Make/Model/Trim: Choose the asset’s make, model and trim from the drop-down lists. These options are populated from the Asset Catalogue in General Setups under Company Configurations.
  6. Select Option Asset Condition: Define the condition of the asset. The available options are populated from the Asset Condition tab in General Setups.
  7. Select Option Terms: Define the term range for the chart, such as 1-12 months or 13-24 months. These options are set in the Term tab under Program Setups.
  8. Select Option Credit Score: Indicate the customer’s credit score, ranging from excellent to poor. The available options are populated from the Credit Score tab under Program Setups.
  9. Select Option Finance Amount Range: Choose the finance amount range, which is populated from the Finance Amount tab under Program Setups.
  10. Select Option Asset Usage: Specify how the asset will be used (e.g., for commercial or non-commercial purposes). This information is populated from the Asset Usage tab in General Setups.
  11. Output Parameters for Subsidy Type (Target Base Rate):
  • Financier Rate: Enter the financier’s rate.
  • Dealer Contribution: Specify the dealer’s contribution rate.
  • Manufacturer Contribution: Define the manufacturer’s contribution rate.
  1. Output Parameters for Subsidy Type (% from Dealer and % from Manufacturer):
  • Dealer Rate: Input the percentage rate provided by the dealer.
  • Manufacturer Rate: Input the percentage rate provided by the manufacturer.
  1. Output Parameters for Subsidy Type (Adjusted Customer Rate):
  • Rate: Input the adjusted customer rate as a percentage value.
  1. Ellipsis Menu for Chart: Each chart has an ellipsis menu on the right side, providing options to Rename, Delete or Add Criteria. When renaming, only the chart name and status can be modified. Deletion is restricted to charts that are not linked to a financial product (FP). New criteria can be added and once saved, the chart will include the updated criteria.

Subsidy Charts

Subsidy Charts

  1. Ellipsis Menu for Criteria: Each criterion has an ellipsis menu that allows users to Edit or Delete the criterion. Criteria linked to FPs or related to past dates cannot be modified or deleted.
  2. Validations:
  • No Overlapping Criteria: Charts cannot have overlapping effective dates or criteria.
  • Deletion Restrictions: A chart cannot be deleted if it is linked to a financial product (FP).
  • Locked Criteria: Criteria associated with past dates or locked configurations cannot be edited.

Subsidy Chart

Subsidy Charts Edit Delete Criteria

Fees

The Fees chart is used to configure and manage fees associated with various financing programs. This chart allows users to define fee amounts or percentages and the criteria under which they apply. Users can configure multiple Fees charts, each with a unique name. When defining a new chart, the required information includes the Chart Name, Chart Status, Business Criteria and Output Parameters.

Fees Charts Add New Record

Fees Charts Add New Record

To manage Fees charts, follow these steps:

  1. Add New Chart: Click the Add New Chart button to define the details of a new Fees chart. Each chart must have a unique name and overlapping charts are not allowed. Input the chart name, select its status, define business criteria and specify output parameters.
  2. Input Chart Name: Enter a unique name for the Fees chart. This name will serve as a reference for the chart when needed.
  3. Select Option Status: Choose whether the chart will be Enabled or Disabled. Enabled charts will be available for use, while disabled charts will not be available for future operations.
  4. Select Option Customer Type: Define the customer type associated with the chart.
  5. Select Option Product Type: Indicate the product type involved in the chart.
  6. Select Option for Finance Type(s): Define whether the chart applies to Finance, Lease or both.
  7. Select Option Financed Amount: Choose the financed amount range, which is populated from the Finance Amount tab under Program Setups.
  8. Select Option Terms: Define the term range for the chart, such as 1-12 months or 13-24 months. These options are set in the Term tab under Program Setups
  9. Select Option Asset Condition: Define the condition of the asset. The available options are populated from the Asset Condition tab in General Setups.
  10. Select Option Asset Category: Specify the asset category to which the chart applies.
  11. Select Option Asset Type: Choose the asset type.
  12. Input Fee Name: Enter the name of the fee. For example, fees can include processing fees, fees for non-tax payers or fees for tax payers.
  13. Select Option for Fee Type: Choose whether the fee is One Time or Periodic from the drop-down list.
  14. Select Option for Fee Frequency:
  • If the Fee Type is One Time, select from the Fee Frequency drop-down list, with options such as On the Start Date, With First Regular Payment or With Last Regular Payment.
  • If the Fee Type is Periodic, select from the Fee Frequency drop-down list, with options such as With Every Payment, Monthly, Quarterly, Semi-Annual or Annual.
  1. Select Option for Due At Start Date: Choose Yes or No from the drop-down list.
  2. Input Fee Amount: Enter the specific amount for the fee.
  3. Select Option for Override: Choose Yes or No from the drop-down list to specify if the fee can be overridden.
  4. Ellipsis Menu for Chart: Each chart has an ellipsis menu on the right side, providing options to Rename, Delete or Add Criteria. When renaming, only the chart name and status can be modified. Deletion is restricted to charts that are not linked to a financial product (FP). New criteria can be added and once saved, the chart will include the updated criteria.

Fees Charts

Fees Charts

  1. Ellipsis Menu for Criteria: Each criterion has an ellipsis menu that allows users to Edit or Delete the criterion. Criteria linked to FPs or related to past dates cannot be modified or deleted.
  2. Validations:
  • No Overlapping Criteria: Charts cannot have overlapping effective dates or criteria.
  • Deletion Restrictions: A chart cannot be deleted if it is linked to a financial product (FP).
  • Locked Criteria: Criteria associated with past dates or locked configurations cannot be edited.

Fees Chart

Fees Charts Edit Delete Criteria

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