Twelve modules, one data model. Pipeline, funding, payments, inventory, titles, audits, risk and servicing run as one system instead of a vendor for each.
VeroOS is the orchestration layer between the people, the money and the collateral. Every party works in the same system, every module writes to the same record, and the tools you already run stay connected to it.
One record carries through every stage, so nothing is re-keyed and nothing lives in a second system.
Digital application, document collection and underwriting run in one pipeline. Bureau pulls and open banking data land in the file on their own.
Purchase the invoice or fund the draw. BOS, title and valuation are verified before money moves, and every unit lands on the line.
Curtailments, payoffs, titles, amendments and exceptions are worked as tracked tasks with owners and due dates, not inbox threads.
Risk alerts, audits and portfolio views recompute on live data, so exposure surfaces while you can still do something about it.
Adopt the full stack or start with one module. Everything reads and writes the same records.
White-label application through underwriting and contracting, with e-sign, guarantor handling, instant bureau pulls and annual reviews on the same track.
Self-service line visibility, funding requests, statements and payoff quotes, so dealers stop calling for status.
Suppliers and distributors submit invoices, track funding status, and manage program terms in one place.
Purchase the invoice or fund the draw. BOS, title and valuation are verified before money moves.
ACH scheduling, curtailments, payoffs, and past-due tracking with bank-holiday awareness.
Amendments, bank changes and exceptions as tracked tasks, with document management and automated dealer communications built in.
Every floored unit tracked by VIN or serial, with aging, location and status live against the line.
OCR-powered intake, asset matching, and inbound/outbound lifecycle tracking.
Digital and on-site audits, photo verification and reconciliation, plus compliance checks and annual reviews on a schedule.
Automated risk alerts on live data: dealer scores, payoff ratios, asset aging and portfolio drift, flagged as they move.
Concentration, utilization and exposure across the whole book, by dealer, asset class and program.
Standard and custom reports across the portfolio: scheduled, exportable and BI-ready.
Stage-based workflow. Applications move through named stages with counts, owners, and SLAs visible.
Document intelligence. Upload progress per applicant; OCR extracts and validates as files arrive.
Bureau + banking data built in. Credit pulls and open-banking feeds land in the file automatically.
Annual reviews on schedule. Dealer reviews run on the same pipeline, with document requests, financial spreads and re-approval tracked to completion.
Alerts that find you. Payoff ratios, aging and utilization are scored as events happen. The system flags the dealer, so nobody goes hunting in a spreadsheet.
Watch lists that act. Tags drive workflow, so a watch-listed dealer gets tighter checks automatically.
Exposure contained early. Field audits, photo verification and reconciliation run against the same records, so a problem gets worked while it is still small.
API-first and cloud agnostic, deployed on Azure or AWS. Your bureaus, banks and vendors plug into one operating layer.
Built to pass your vendor risk review: SOC 2 Type II compliant controls, encryption at rest and in transit, role-based access, and a complete audit trail on every record.
Every lender modernizing a floor plan program is choosing among these. The differences that matter are structural, not feature counts.
What VeroOS covers, how it fits the systems you already run, and where the lines are.
VeroOS is an operating system for asset-backed lending: twelve modules on one data model, covering the lifecycle from application to payoff. Pipeline, Dealer Portal, Supplier Portal, Funding, Payments, Inventory, Title Management, Audits, Risk, Portfolio Mgmt, Account Mgmt / Servicing and Reporting all read and write the same records, so a dealer, a unit, a draw and a payment stay connected instead of living in a different system at each stage.
A loan management system is organized around the loan: balances, schedules and payments. Asset-backed wholesale lending is organized around the collateral behind it, which is the dealer line, the unit on the floor, the title in custody and the audit that confirms the unit is still there. VeroOS holds all of it against the same record, so utilization, aging, curtailments, title status and audit results describe one asset rather than four reports that have to be reconciled.
No. VeroOS can be the core system of record for the whole program, or a single capability can run standalone alongside the core you already have. Title Management is the most common standalone deployment: it runs as its own system for title intake, verification, custody and release, with nothing else required to move onto Vero. Audits and the Dealer Portal deploy the same way. Because all of it is built on one data model, a standalone system can extend into the full platform later without standing up a separate set of data next to it.
VeroOS is API-first, with 40+ live integrations across credit bureaus, open banking, valuation books, title data, audit vendors, ACH and payments, core banking and general ledger, and CRM and SSO. It is cloud agnostic and deploys on Azure or AWS, so it connects to the stack you already run instead of asking you to replace it.
Vero AI runs across all twelve modules. It is grounded in your own SOPs and credit policy, bounded by the risk thresholds you set, and logged on every call, so there is a record of what it did. It is designed to prepare and surface work: extracting and validating documents, summarizing a file, flagging exceptions and drafting the routine dealer communications around a deal. It does not make autonomous credit decisions, and approval authority stays with your policies and your people.
It is built for one. VeroOS operates SOC 2 Type II compliant controls, with encryption in transit and at rest, role-based access with SSO, and a complete audit trail on every record. Deployment is cloud agnostic on Azure or AWS. The security page carries the detail your vendor risk team will ask for.
Banks, captive finance companies, OEMs and distributors, independent finance companies and auctions, across wholesale floor plan, equipment, trade and supply chain, consumer auto, and rental and fleet finance. A program can be licensed and run by your own team, or run day to day by Vero operators on the same platform.
A 30-minute walkthrough, mapped to the lifecycle you run today.
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