/docs/modules/finance
Finance & credit apps
Structure deals and collect credit applications without pretending to be a bank portal.
Purpose
Finance modules help Canadian independents organize payment math and intake buyer applications. FlashFender does not submit to lender networks or guarantee approvals.
Setup
- Settings → Business — tax and licence for worksheets.
- Train F&I on credit app fields required by your chosen lenders (manual export/submit).
- Read Credit applications for field-level detail.
Daily workflow
- From an open deal, open F&I worksheet — term, rate, tax, trade, fees.
- Print or CSV for lender desk submission outside FlashFender if needed.
- Credit application — customer completes in-app or staff entry; status tracked internally.
- Stips checklist — tasks for paystub, POI, references.
- Funded — deal status update; do not mark funded without lender confirmation.
Key fields
| Field | Notes |
|---|---|
| Term / rate / payment | Worksheet only — not underwriting |
| Amount financed | After tax and fees per province |
| Trade lien payout | Manual verification |
| Credit app status | Intake tracking |
| Lender name | Reference field — no live submission |
Permissions
- F&I manager — full finance module.
- Sales — worksheet preview; no SIN view without role.
- Compliance — read-only audit on credit records.
Canadian notes
- SIN and bureau pulls — handle per lender agreement and provincial privacy law; minimize retention.
- Quebec consumer credit rules differ — verify local disclosure with counsel.
- FlashFender is not OMVIC/AMVIC licensing advice.