Inovatec LOS
Bring clarity to originations
Keep applications moving from intake to funding with fewer clicks, more automation, and better control.
Built for real lending operations
AI-powered Funding Automation
Reduce manual document review and data entry by applying AI where it has real operational impact.
No-Code Configuration
Configure business rules for different teams, products, and asset classes without custom development.
Support for multiple loan and leasing models
Run indirect, direct, and captive programs for both loans and leasing within a single system.
Single-tenant cloud architecture
Maintain predictable performance, data isolation, and scalability as your portfolio grows.
Broad asset class support
Support auto, powersports, marine, RV, equipment, and more within a single origination platform.
Flexible and Consistent Workflows
Run both consumer and commercial programs with shared workflows, credit checks, and multi-asset support.
Increase funding speed and accuracy AI-powered funding automation
Inovatec’s Funding Automation is an optional, built‑in feature of Inovatec LOS that dramatically streamlines funding review and reduces operational risk with the practical application of AI.
Powered by an LLM, the system reads and classifies documents, extracts key information, and compares against application data, visually flagging exceptions and discrepancies for your team to review. Inovatec clients using Funding Automation can see 80% reduction in time spent on funding review, by eliminating the manual work of visually searching for errors.
The result is a much faster, more reliable funding process, and a team that can focus on the things that require human judgement and expertise.
Manage all your leases and loans in a single, adaptable system
Direct & Indirect Loans
Accept, manage, decision and fund direct and indirect loans using a single system.
Loans and Leases
Designed from day one to process leases and loans within the same system, using the same workflows.
Captive Lending and leasing
Align workflows with manufacturer or brand requirements, supporting complex approval structures and asset-specific rules.
Seamlessly connected to third party systems
Inovatec LOS integrates with leading third‑party tools. A broad set of existing integrations, including KYC and AML services, anti‑fraud and alternative data providers, valuation and vehicle history tools, decision engines, and more, are seamlessly incorporated into LOS workflows, allowing teams to access data and complete tasks without switching systems or re‑entering information.
This reduces operational friction and delivers reliable end‑to‑end operations.
Used by lending teams operating at scale
Inovatec LOS is used by banks, credit unions, OEMs, dealer groups, and finance companies across a wide range of lending environments.
A more efficient way to lend
Inovatec LOS helps lenders process applications faster, reduce manual effort, and maintain control across every stage of lending operations.