Question 1

What is youX?

Accepted Answer

youX is a finance infrastructure platform designed for dealerships, brokers, lenders, OEMs and marketplaces.It connects lead capture, application processing, fulfilment and integrations into one ecosystem — helping businesses move from enquiry to settlement faster.

Question 2

Who is youX built for?

Accepted Answer

youX supports a range of participants across the asset finance ecosystem including dealerships, asset finance brokers, aggregators, OEMs, marketplaces and lenders.Each group can use different parts of the platform depending on their needs.

Question 3

What products are included in the youX ecosystem?

Accepted Answer

The platform currently includes four core components:manage – the core operating system used to manage deals and finance workflowsapply – a modular finance journey for digital applications and lead capturelodge – fulfilment services for structuring and submitting dealsconnect – the integration layer linking systems, partners and dataTogether these products support the journey from lead capture through to settlement.

Question 4

What is youX manage?

Accepted Answer

manage is the central platform used to run finance operations.It allows teams to capture leads, structure deals, submit applications to lenders, manage documentation and track deals through to settlement.manage also includes reporting and insights that help businesses understand performance and improve finance penetration.

Question 5

What is youX apply?

Accepted Answer

apply is a modular finance journey that can be embedded into websites, vehicle listings or marketing campaigns.It allows customers to start their finance journey online and submit an application directly into the platform — with each step of the journey configurable to suit different business models.Businesses can customise and brand the experience so it aligns with their own website and customer journey.

Question 6

What is youX lodge?

Accepted Answer

lodge is the fulfilment engine behind the platform.When a dealership, broker or partner does not have the time or internal resources to run the deal themselves, lodge can step in to structure the deal, submit applications to lenders and manage the process through to settlement.

Question 7

What is youX connect?

Accepted Answer

connect is the integration layer that links the platform with external systems and partners.It enables integrations with dealer management systems, CRMs, accounting platforms, lender APIs and marketplaces.This helps automate workflows and ensures information flows smoothly between systems.

Question 8

Can youX be white-labelled?

Accepted Answer

Yes. The platform is designed to operate under your own brand across customer-facing touchpoints.This includes the modular finance journey (apply), documentation, and communications — so the experience feels native to your business.

Question 9

What integrations does youX support?

Accepted Answer

youX connects with a range of external platforms including dealer management systems (DMS), CRMs, accounting tools, lender APIs and third-party marketplaces.The connect product handles these integrations and can be configured based on the systems your business already uses.

Question 10

How long does it take to get set up?

Accepted Answer

Setup timelines depend on the size of the business and the level of customisation required.For most businesses, onboarding can be completed within a few weeks — including configuration, branding, integration setup and training.

Question 11

Can I see a demo of the platform?

Accepted Answer

Yes. You can request a personalised demo through the contact page.The team will walk you through the platform based on your role and business needs — whether you are a dealer, broker, lender or OEM.

Question 12

What is dealer finance software?

Accepted Answer

Dealer finance software is technology used by vehicle dealerships to manage and process finance applications on behalf of their customers.It typically supports lead capture, deal structuring, lender submission and settlement tracking — replacing manual processes with a digital workflow.youX manage is purpose-built for this use case, giving dealerships a single platform to run their finance operations end to end.

Question 13

What is asset finance software?

Accepted Answer

Asset finance software supports the end-to-end management of finance transactions for assets such as vehicles, equipment and machinery.It is used by brokers, dealers and lenders to manage applications, documentation, compliance and settlement workflows.youX provides asset finance software that connects all participants in the transaction — from the customer through to the lender.

Question 14

What is a digital finance application?

Accepted Answer

A digital finance application is an online form or experience that allows customers to apply for finance directly from a website, listing or marketing campaign.It replaces paper-based or in-person application processes with a streamlined digital journey.youX apply is a modular finance journey that can be embedded and branded to match your business.

Question 15

What is embedded finance?

Accepted Answer

Embedded finance refers to integrating financial services — such as lending or insurance — directly into a non-financial platform or customer journey.For example, offering finance at the point of sale on a vehicle listing or during an online checkout.youX enables embedded finance by allowing businesses to integrate digital finance applications and lender connectivity into their existing platforms and workflows.

Question 16

What is finance penetration and how can it be improved?

Accepted Answer

Finance penetration refers to the percentage of sales that include a finance component. In automotive and asset finance, higher penetration means more revenue per transaction.It can be improved by making the finance process faster and easier for both the customer and the sales team — reducing friction, increasing visibility and offering finance earlier in the journey.youX helps improve finance penetration through digital applications, automated workflows and real-time reporting that highlights missed opportunities.

Question 17

Is there a cost to join the BETA?

Accepted Answer

BETA partners receive preferential pricing for the duration of the program and beyond. We'll discuss specifics during the discovery call.

Question 18

What kind of businesses are you looking for?

Accepted Answer

Dealerships, brokerages, OEMs, aggregators, and marketplaces of any size. We're looking for partners who want to move fast and are open to providing honest feedback.

Question 19

Will my data be safe during BETA?

Accepted Answer

Absolutely. BETA runs on the same production infrastructure with the same security, encryption, and compliance standards as general availability. ISO certified, bank-grade encryption, full audit trail.

Question 20

Can I use BETA with real customers and real transactions?

Accepted Answer

Yes. The BETA environment is production-ready. Real applications, real lender submissions, real settlements.

Question 21

What happens after BETA ends?

Accepted Answer

You transition seamlessly to general availability. Your configuration, data, and integrations carry forward. No migration, no downtime.

Question 22

Which products are available in the BETA program?

Accepted Answer

Three youX products are currently available in the BETA program:apply – Self-Service Finance Applicationsconnect – API & Third-Party Integrationsmanage – Finance Management Platform

Question 23

How do I join the BETA program?

Accepted Answer

Visit the BETA Program page for full details, or go straight to the contact form to register your interest.Our team will be in touch within 24 hours.

Question 24

What kinds of OEMs and manufacturers does youX work with?

Accepted Answer

Automotive, marine, motorcycle, caravan, agricultural and equipment manufacturers — anywhere asset finance sits between a customer and a high-value purchase. We work with both single-brand OEMs and multi-brand portfolios.

Question 25

Can we keep our branding through the finance journey?

Accepted Answer

Yes. youXapply is a true white-label experience — your brand, your colours, your logo, in light and dark mode. The widget feels native on any website, and your customer never feels handed off.

Question 26

Can we control which lenders see our applications?

Accepted Answer

Yes. Configure a preferred lender waterfall per brand, model, store or campaign. Applications cascade automatically through your panel and overflow to broker if no lender matches.

Question 27

How quickly can we get a finance widget live on our website?

Accepted Answer

Campaign-ready in hours rather than weeks. Use a pre-built template configured to your brand, embed a snippet on any page, or build a dedicated finance landing page powered by Apply.

Question 28

What data and reporting do OEMs get?

Accepted Answer

Real-time visibility into how finance is performing across your dealer network:Application volume, conversion and settlement by store, region and campaignNAF (net amount financed), penetration and average deal valueChannel and partner ROI side by sideLender performance and decline patterns

Question 29

Do customers need to leave my website to apply for finance?

Accepted Answer

No. youXapply embeds directly on your site — vehicle pages, landing pages, QR codes on the showroom floor, even partner platforms. Your customers stay in your experience the whole way through.

Question 30

How fast can a customer get a pre-approval?

Accepted Answer

Under 60 seconds for an instant, personalised pre-approval — not a generic indicative quote. Matched to a real lender with no impact on the customer's credit file.

Question 31

Will applying impact a customer's credit file?

Accepted Answer

No. Pre-approvals use soft-touch credit checks that don't affect the customer's credit file. Only when the customer chooses to proceed with a specific lender does a formal credit check run.

Question 32

Can I integrate youX with my existing DMS or CRM?

Accepted Answer

Yes. youXconnect handles integrations with major DMS, CRM and lender systems via API, so leads, quotes and applications flow into the tools you already use.

Question 33

Can I see which campaigns and salespeople are converting?

Accepted Answer

Yes — youX Insights tracks every application by source, campaign, store and channel. You see which touchpoints are driving qualified applications and where drop-off is costing you.

Question 34

How do I become a lender on the youX panel?

Accepted Answer

Get in touch via the Partner With Us form. Our team will walk through your credit policy, scorecards and integration approach.Most lender onboards complete within a few weeks depending on integration scope.

Question 35

What integration methods do you support?

Accepted Answer

Direct API, file-based submissions and a hosted decisioning portal — whichever fits your stack. youXconnect handles the translation between your systems and the dealer/broker side, so you don't need to rebuild for every partner.

Question 36

Can I control which dealers or brokers send me applications?

Accepted Answer

Yes. Set acceptance criteria, scorecard rules and channel-level controls. Applications that don't meet your criteria are filtered out before they ever hit your queue.

Question 37

What data do I get on incoming applications?

Accepted Answer

A fully structured application package including:Customer and employment detailsVehicle/asset details and pricingLoan structure, deposit and trade-inCompliance and audit trailChannel and source attribution

Question 38

How does youX compare lender performance across the network?

Accepted Answer

youX Insights gives lenders benchmarked, anonymised views of how their conversion, decline rates and turnaround compare across the network — so you can see exactly where you're winning and where to focus.

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