CAPS®: Deal making made simple
CAPS (Credit Approval Processing System) is our platform built to help you structure, deliver, and contract deals 24/7/365. From application to funding, CAPS supports the full workflow, giving you the freedom and flexibility to structure the best deals for you and your customers.
spacing-1
Start an application your way
Begin a credit application in CAPS, submit through Dealertrack® or RouteOne®, or connect integrations that send leads and applications into CAPS.
divider-thin-dark
Get fast approvals
Receive an approval decision in 30 seconds or less. Now that’s fast.
divider-thin-dark
See your vehicle inventory
Inventory flows into CAPS, making it easy to change vehicles as you structure the deal.
divider-thin-dark
Automated deal structuring
CAPS runs thousands of deal iterations behind the scenes, showing you the options. So, you can choose the one that works for your business and your customers.
divider-thin-dark
Get STIPs pre-approved
Verify items like income, residence, and bank status digitally in as little as 15 minutes. And you can close the deal with confidence knowing the deal you’re quoted IS the deal.
divider-thin-dark
Contract and sign
Finalize documents with convenient eContracting and remote signing. Easy.
divider-thin-dark
Get paid fast
You shouldn’t have to wait for your money. Use RealTime Payments to access advances quickly, including evenings, Saturdays, and many major holidays.