A unified platform for simulating and contracting auto-secured credit
Vehicle-secured credit from lead to contract: a landing page, a form with automatic lookups and a custom CRM guiding each application.
- Thousands of leads a day, no downtime
- Photo inspection, no on-site visit
- Stages that move on their own
- Error-free requests over 8 months in production
- 99.8%
- Processes resolved via API, with no manual work
- 84%
- Stage changes with no human action
- 68%
The challenge
Lead capture happened on one page, analysis in spreadsheets and follow-up on WhatsApp. Every stage of the credit process depended on someone copying data from one place to another, the inspection required going to the vehicle and nobody could tell, by looking at a single place, where each application stood. As lead volume grew, the manual process became the bottleneck of the operation.
The solution
A single front end: a lead capture landing page, a multi-step form with automatic vehicle lookup and two-factor authentication, and a custom CRM where each application moves from lead to contract. The entire manual workflow became automatic and the funnel became the operation's source of truth.
What was delivered
-
Lead capture landing page
A fast page, with a clear offer and the form one click away from any point in the read.
-
Multi-step form
Personal data, vehicle, proposal and completion, with field-by-field validation and progress saved between steps.
-
Funnel from lead to contract
Each application with its stage, owner and history, and stage changes triggered by the system itself.
-
Customers always informed
Automatic notifications at every change in the application, without anyone on the team having to write.
Modules
- 01
Lead capture
Landing page and multi-step form, with automatic lookups and two-factor authentication.
- 02
Credit CRM
The entire process from analysis to formalization and release of the credit, with the history of each application.
- 03
Partner portal
Partners register referrals that go straight into the funnel and follow the progress of each one.
- 04
Billing portal
Statements, bank slips and direct debit for those who already have a contract, reading from the same CRM base.
Access profiles
-
Customer
Simulates, sends vehicle data and photos and follows the application through to signing.
-
Credit analyst
Receives the assembled proposal, checks documents and inspection and decides on approval.
-
Partner
Refers customers and follows the progress of each referral.
-
Management
Tracks the funnel, the team's productivity and the contracts in progress.
Integrations
- License plate and vehicle data lookup
- Vehicle image analysis
- Proposal submission to the lender
- Bank slip and direct debit
- Customer notifications
How it was built
- Interface Next.js
- A fast landing page, form and CRM, with the capture page ready before the visitor gives up.
- Back end Node.js
- Credit rules and integrations in asynchronous functions that absorb traffic peaks without freezing the form.
- Data and access Firebase
- A real-time base for the funnel, two-factor authentication and role-based access rules.
- Edge Cloudflare
- Protection against bots and abusive traffic before the request reaches the system.
Details
Applying for vehicle-secured credit is a long process: an interested person comes in, and before there is a contract there are several stages specific to Kavak. Each of these stages talks to a different system.
Scale and reliability
The system runs in the cloud with asynchronous functions for the integrations. It receives thousands of leads a day with no downtime or slowdowns, and on its highest-volume day it processed thousands of form events in a single hour, without a single failure. The error rate of the synchronization routines stays in thousandths of a percent.
