Windscreen chip
HandoverClear
ReturnNew
ChargeBanks, leasing & fleet
You own thousands of vehicles you have never seen.
Omnetic does not replace a leasing system. It connects dated condition evidence, market valuation, provenance and remarketing around the physical vehicle and feeds the systems you already govern.
Banks, leasing & fleet
Sample data
End-of-term · Kodiaq 4×4
Sample condition comparison
FindingHandoverReturnDecision
Rear bumper scuff
HandoverPhotographed
ReturnUnchanged
WithdrawMileage
Handover12 km
Return122,480 km
RecordThe withdrawn item stays visible because evidence must cut both ways. This is sample interface data; legal sufficiency and market coverage are not claimed.
- Best fit
- Banks, leasing companies and fleet owners whose vehicles are held, driven, serviced and returned by other parties.
- Operational job
- Keep condition, valuation, provenance, finance offers and remarketing evidence around the physical vehicle while contract, credit, accounting and collections remain in the systems that govern them.
- What you get
- A vehicle record comparing handover and return condition for valuation and remarketing.
Scope, stated first
What this is, and what it will not pretend to be
A finance house evaluating a dealer platform deserves the boundary before the benefits. Half of what you do is outside this product, permanently.
In scope
Condition evidence at handover and at return, taken by the party holding the car
Valuation and remarketing of returned and repossessed stock through the dealer network
Provenance and mileage history on the unit before you write the residual
Your finance product presented inside the dealer's deal, where the decision happens
An event feed into your own systems through Open Platform
Out of scope
Contract origination, amortisation and the lease book itself
Credit decisioning, scoring and affordability
Regulatory capital, IFRS 16 treatment and impairment
Collections, arrears and legal recovery
Your customer relationship after the vehicle leaves the dealer
System relationship
A connected workflow for banks, leasing & fleet
Banks, leasing & fleet
One vehicle, one contract, both ends
The two moments where your money is actually decided
Origination sets the price. Return decides whether the price was right. Everything between is somebody else's paperwork.
A residual is a forecast about a used-car market you do not trade in
You set it three years before anyone can check it, from published guides and your own history. The dealers who will actually retail that car are looking at live transaction data you never see.
Price Report is that view: what specifications on the platform actually sold for, by market and by month.
- You need
- What this specification will retail for in 36 months, not what a guide says today
- Omnetic
- Transaction history by specification, market and month from platform dealers
- Honest limit
- It is evidence for your pricing committee, not a residual model
Your finance product competes at a desk you do not staff
Whoever is easiest to quote wins. If your rate takes a portal login and a rekeyed VIN while a competitor's is one click inside the deal, you lose penetration for reasons that have nothing to do with price.
Digital Deal and Open Platform put a quote in the flow the salesperson is already in.
- Dealer does
- Nothing extra: the vehicle, customer and price are already on the deal
- Omnetic
- Sends the quote request and returns your offer into the same screen
- Open item
- Which banks have live auto-loading, per market, is a list we do not have yet
The photographs that matter are taken three years too early
Almost nobody documents condition properly at delivery, because at delivery nothing is wrong. Then at return there is no baseline, so every disagreement is decided by whoever argues harder.
A CarAudit at handover is cheap insurance for both sides, and the dealer is standing next to the car anyway.
- At handover
- Structured inspection with photographs, mileage and existing marks
- Omnetic
- Holds it on the vehicle for the life of the contract, not in an email
- Three years later
- The bumper scuff is provably not the customer's problem
Return inspections are a trust problem before they are a pricing one
Your customer thinks the charge is invented; your inspector thinks the customer is chancing it. Both are sometimes right, and neither has evidence to hand.
The same inspection format at both ends turns a negotiation into a comparison, including the items you have to drop.
- At return
- The same inspection, photographed against the handover baseline
- Omnetic
- Shows the delta, with mileage and service history from the jobs actually done
- Result
- 16 900 settled and 4 500 withdrawn, without a complaint case
Your disposal channel is a network of dealers who already know the car
A returned unit sold into a wholesale channel with thin description gets bid as an unknown. The same unit offered with its inspection, service history and provenance attached is bid as a known quantity.
Fastback offers it to trade buyers on the platform; the evidence is what moves the price, not the auction.
- You offer
- The unit with its return inspection, history and mileage evidence
- Omnetic
- Puts it in front of trade buyers who retail this specification weekly
- Open item
- Fastback's live market coverage decides how much of your book this reaches
Outcome & proof
Remarketing, risk, dealer sales, and whoever answers the complaint
Head of remarketing
Sells evidenced units to buyers who retail them, instead of unknowns into a wholesale channel that discounts for uncertainty.
Residual value / risk
Gets retail transaction evidence by specification and market to argue with, rather than a guide and last year's book.
Dealer sales manager
Competes on rate rather than on how painful the quote is, because the offer appears inside the deal the dealer is already writing.
Customer relations
Answers end-of-term disputes with two dated inspections instead of a phone call to a dealer who has forgotten the car.
What a finance house asks first
Evidence
Two open items decide whether this page is honest
Fastback market coverage
Remarketing is half the proposition, and its value is bounded by which markets have real trade-buyer liquidity. Withdrawn headline claims on the Fastback page make this worse, not better.
Banks with live auto-loading, per market
The origination half of this page needs a named list. Without it we can describe the mechanism but not promise a bank they are on it.
Inspection, valuation and provenance on the platform
CarAudit, Price Report and Autotracer exist and are current-live. Only their headline statistics were withdrawn, not the capabilities.
A bank or leasing reference
Empty, like the OEM slot. This audience does diligence for a living and a vague reference would be worse than none.
Where to start
Coverage
How much of your portfolio sits with platform dealers, per market. Same first question as any network programme.
One cohort
Inspect at handover on one month's deliveries. The payoff is three years out, so it costs almost nothing to begin.
Remarket
Run a batch of returns through the network with evidence attached and compare against your current channel.
Originate
Put your quote in the dealer's deal flow, once the integration list confirms your market.
Start with the vehicles, not the contracts
Begin with one month of handover inspections, then test a return batch with evidence attached. Contract systems remain untouched.
Start with the vehiclesEvidence at both ends
Use the same structured inspection at handover and return.
Market evidence for residuals
Bring dealer transaction evidence by specification and market into the committee.
Known units at disposal
Remarket with inspection, service and mileage history attached.