Auto Finance

Codix Auto Leasing software solution.

iMX is capable of making your business more profitable, by managing various types of financing for motor vehicles and two-wheelers, ranging from closed-end loans to fleet management, and including closed-end leasing and long-term rental. This has been made possible from the moment the sale takes place (dealer/broker) until the funding period ends and, if applicable, the asset is resold.

Our flexible, adaptable core business software iMX is able to manage the entire leasing process in line with your business needs – from the lease quote till the termination of the contract, including vehicle configuration – services – maintenance – accounting – reporting, etc.

Main features:

  • Point of sale(broker/agency/Internet):
    • Multi-network/multi-channel
    • Multisimulation
    • Pricing:
      • Eligibility criteria
      • Authorizations
      • Insurance policies
      • Services
      • Packages
      • Residual value calculation matrix
    • Asset configuration/possibility of including an external “car configurator”
      Car configurators, also known as choice boards, design systems, toolkits, or co-design platforms, are responsible for guiding the user-customer through the configuration – clarification process. Different variations are represented, visualized, assessed and priced which starts a learning-by-doing process for the user.
    • Instalment/amortization schedule calculation
      The amortization schedule calculator is often used to adjust the loan amount until the monthly payments fit comfortably into the customer’s budget.
    • Point-of-sale follow-up and management
      The point of purchase (POP) or point of sale (POS) is the place and time where a retail transaction is completed. At the point of sale, the seller calculates the amount owed by the customer, indicates that amount as well as the options available to the customer to make the payment, and may issue an invoice to the customer (which may be a cash register printout).
    • Real-time pre-scoring
    • Offers
    • Uploading supporting documents
    • Ensuring the uniqueness (non-duplication) of individuals
  • Acceptance
    • Flexible and customizable workflow thanks to the Expert System
      iMX integrates a Business Process Modelling and Workflow tool (iMX Expert System) and a complete Web portal with external access. It offers our customers the maximum level of flexibility in using and customizing the system. Thanks to its self-owned and self-funded structure, CODIX can be very adaptable, and responsive, and always does everything possible to foster fully collaborative and long-term relationships and partnerships with every one of its clients.
    • Scoring
      A numerical evaluation of your credit history used by lenders and financial institutions to access information on a person's credit worthiness. Credit scores are calculated using complex mathematical formulas. Lenders use credit scoring, among other things, to make a decision on whether to provide a loan. There are many slightly different credit scoring formulas used by bankers, lenders, creditors, insurers and retailers. A person's credit score is a number between 300 and 850, 850 being the highest credit rating possible.
    • Repurchase commitments (on the part of the supplier or another party involved)
      Commitment Fee: A fee paid to a lender by a borrower in exchange for a promise to lend money on certain terms for a specified period. Usually charged in order to extend a loan approval offer for longer than the standard period.
    • Limit management/multi-level limits
    • Client group management
    • Case analysis
    • Automatic or manual acceptance
    • Document receipt follow-up
  • Supplies/Supplier management
    • Purchase order creation and follow-up
    • Asset delivery follow-up
    • Registration of supplier invoices
    • Disbursement per group or unit/Payment deadline management
  • Accounting
    • Recording of flows
    • Stock movement generation
    • Provisions
    • Book depreciation and tax depreciation of assets according to the legislation in force
      The book depreciation expense is the amount recorded on the "books" and reported on the financial statements. The tax depreciation is recorded on the company's income tax returns and will be based on the Internal Revenue Service's rules. Accelerated depreciation means taking more depreciation in the first few years and less depreciation in the later years of the machine's life.
    • Regulatory reporting
    • Profitability calculations
  • Customer self-service

    Thanks to iMX Extranet, customers can track the status of their cases on the Internet, make updates or submit update requests, conduct simulations, upload or download documents, etc.


  • Contract activation
  • Establishing the final amortization schedule
    An amortization schedule is a complete table of periodic loan payments. This table can show the amount of principal and the amount of interest that comprise each payment until the loan is paid off at the end of its term. The last line of the schedule shows the borrower’s total interest and principal payments for the entire loan term.
  • Broker/seller commissions
    A commission is a service charge assessed by a investment advisor or broker in return for providing investment advice and/or handling the purchase or sale of a security. Commissions vary widely from brokerage to brokerage. Most major, full-service brokerages derive much of their profits from charging commissions on client transactions.
  • Billing instalments
    A payment made as part of a series of payments on the same good, service, or obligation. Instalment Debts are debts that are repaid with a fixed number of payments of equal amount, like an auto loan.
  • Repayments for services
    Repayment is the act of paying back money previously borrowed from a lender. Repayment usually takes the form of periodic payments that normally include part principal plus interest in each payment.
  • Grouping together invoices, especially for fleet management purposes
  • Issuing customized invoices
  • Receipt of payments/identification/matching
  • Consumption monitoring/measurement units
  • Share billing
  • Debt collection (preventive/amicable/legal): detection of unpaid debts, reminders, debt rescheduling, etc.
  • Client account monitoring
  • Amendments:
    • Adding/deleting services/insurance policies
    • Renegotiation
    • Partial prepayments
  • Mass actions: amendments, termination, refunds, etc.
  • Claims related to assets or individuals (temporary and final)
  • Termination: at the due date, early termination, in the event of default
  • Automatic/manual extension
  • Asset recovery
  • Resale of the asset (to a third party)
  • Re-lease

Contact Information

+33(4)89 87 77 77
Immeuble Le Carat, 200 Rue du Vallon, Sophia-Antipolis,