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Sectors & ecosystems

Automotive

Keep vehicles and parts moving through your dealers without stretching your balance sheet.

Automotive dealers carry expensive stock, while OEMs and distributors want to be paid on time. Paynion connects manufacturers, dealers and financiers on one infrastructure. Limits, orders, invoices and collections flow through the same system.

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Challenges we hear

01

Expensive stock ties up dealer cash

Showroom vehicles and spare-parts inventory lock up working capital long before a sale is made.

02

Limits managed on spreadsheets

Dealer limits, usage and maturities spread across files and emails make risk hard to see.

03

Late payments at maturity

Chasing dealers for payment strains relationships and delays cash to the manufacturer.

04

Retail buyers need instalment options

Dealers lose sales when they cannot offer financing at the point of purchase.

How Paynion helps

Financing Infrastructure

Set up your dealer and sub-dealer hierarchy, allocate limits and finance vehicle and parts orders, with invoices submitted to DBS for collection at maturity. Financing companies can also offer instalment loans to retail buyers at the dealer.

FinansZ

Gives dealers one panel for orders, stock, current accounts, e-invoices and collections via virtual POS, SoftPOS or payment links, with all bank accounts in view through open banking.

Paynion Gate

Enables instant FAST payouts to suppliers and instant collections from dealers through an integrated payment layer.

Use cases

Vehicle stock financing for dealers

A distributor's dealers order vehicles against their assigned limits; the distributor is paid and the dealer repays at maturity via DBS.

Spare-parts ordering and collection

Service points order parts from a shared catalog, track their current account and pay by card or payment link.

Retail instalment loans at the showroom

A buyer applies digitally at the dealer, the financing company decides and the dealer is paid on disbursement.

How it works

How dealer financing works

  1. 1

    Onboard dealers

    The OEM or distributor adds its dealers and sub-dealers to the hierarchy.

  2. 2

    Set limits

    The financier assigns limits based on trading history and e-invoice data.

  3. 3

    Order on limit

    The dealer orders vehicles or parts and draws on its available limit.

  4. 4

    Pay the supplier

    The manufacturer or distributor receives payment once the invoice is approved.

  5. 5

    Collect at maturity

    Invoices are submitted to DBS and collected automatically from the dealer at maturity.

  6. 6

    Monitor centrally

    Limits, risk and dealer stock are tracked on one screen.

Sectors & ecosystems

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Let's launch your first product without touching your existing systems

Tell us which product you want to start with — we'll shape the PoC together.

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