VTXRM - Software Factory

Accipiens For Credit

Accipiens For Credit

Main Benefits for Credit

  • All the different credit products in the same software platform:
    netting accounts, auto credit, consumer credit, credit cards, mortgage;
  • Scoring Engine provides a quick analysis and automatic approval;
  • Automatic and Flexible Procedures for the Contract Closing;
  • Recovery Tools with the possibility to create flexible payment plans and to reduce Defaults;
  • Dealer Portal provides an increase in Sales, autonomy to the Dealer and a quicker and integrated sales process.

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Glossary – Credit


A written or oral agreement for a temporary transfer of a property (usually cash) from its owner (the lender) to a borrower who promises to return it according to the terms of the agreement, and usually with interest for its use.

Consumer Finance

An amount of money lent to an individual (usually on a non-secured basis) for personal, family or household purposes. Consumer loans are monitored by government regulatory agencies for their compliance with consumer protection regulations.

Auto Finance

An auto loan is a loan a person takes out in order to purchase a motor vehicle. Auto loans are typically structured as installment loans and are secured by the value of vehicle being purchased.


Mortgage is used either by purchasers of real property to raise funds to buy real estate, or alternatively by existing property owners to raise funds for any purpose, while putting a lien on the property being mortgaged.

Netting Accounts

The netting account is a deposit account held in a bank or other financial institution by a natural or legal person for the purpose of security or quick access to demand through a variety of different channels.


Despite your ongoing credits you have the possibility to make a Mutual Loan. With a new credit more favorable you can buy your existing credits. So you'll only pay a lower monthly fee and save money in this way.


Wholesale finance is a form of funding for organizations such as franchised and independent motor dealers, asset finance providers and specialist manufacturers, providing revolving credit lines to ensure a regular flow of financial resources and easing cash flow.

Credit Card

A credit card loan or credit card debt is money you borrow when you use your credit card.


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