PRODUCT OVERVIEW

OpenText™ STP Financial Hub forCommercial Financing
Fully automated end-to-end wholesale finance solution for banks and financeproviders to track, manage and reconcile credit and leasing agreements withcustomers and trading partners.

Speed to market
and time to revenue

A multitude of organizations seek financing from theirfinancial institutions for automobiles, industrial equipment
and recreational vehicles. In order to process these requests

Enhanced customer
experiencein a seamless way, the financial institution needs a platformto process and capture the information through the lifecycleof the loan. The platform must balance the customer’s need toPowerful visibility,
reporting &workflow platform
Increase
Transparency

see the financed inventory and loan utilization along with thebank’s need to manage risk and ensure proper loan andlease repayment.
Commercial financing requires sophisticated reporting, workflow management forgenerating credit and lease arrangements and asset tracking. The process involves
complex calculations for interest and curtailment processing. Furthermore, banks
and finance providers face manually intensive processes with high-risk exposurethat can prevent their business from scaling up effectively.

Equipment

Recreational vehicles"One of the key
considerations for us wasto look for a partner whoVisibility

was an expert in the trade

Translation

processing space andCommercial
financing

who can really give us thatquick time-to-market."Motorcycles

Automoblies
Connectivity

Rajat Bhalla
Head of US OpenWealth Technology
GenpactTracking

Read the full Success story
Industrial vehicles

Boats

The OpenText™ STP Financial Hub for Commercial Financing solution is a scalable
transaction and message management platform with established connectivity
in the automotive finance marketplace that provides full end-to-end transaction
processing, workflow, data visibility, reporting and exception management. The
platform is built on world-class, secure, best-of-breed technologies to create an
intuitive and productive customer experience.
Managed Services
Dealers

Invoices

Regional Branch
ABC FI Bank

Manufacturers (OEMs)

Commercial Financing(Visibility, Tracking and Audit)

AuctionHousesOther Data Feeds(e.g. Douglas-Guardian, Black Book)

Connectivity and Translation

APIs

Payments (curtailments,interest, payouts)

Bank HQ Administration
Acknowledgements &Status MessagesABC FI BANK
Operational Systems

Runs on the OpenText Cloud
OpenText™ STP Financial Hub for Commercial Financing is offered in a
Software-as-a-Service (SaaS) model, with no software to license, implement ormaintain. Customers can leverage the functionality of the portal via a monthly
subscription pricing model, rather than having to invest up front in capital
expenditures. OpenText assumes responsibility for all hosting and managementof the software, including upgrades.

OpenText™ STP Financial Hub for Commercial Financing

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Delivered as a Managed Service
The cloud-based data integration and management is delivered as a managed
service to extend your IT resources with people, processes, technologies and yearsof best-practices. Managed Services is a comprehensive outsourcing solution thatenables the finance marketplace to offload complex integration requirements toOpenText and includes:• Mapping and data translation• Trading community implementation and management• Proactive transaction monitoring• Customer and trading partner onboarding and support• Support for internal and third-party auditor functionality
OpenText handles the day-to-day management of your technical infrastructure—systems health monitoring, data backup, network management, systems
administration, database management, and application support. In addition,
OpenText manages the migration and onboarding of your customers andtrading partners with our proven process that includes connectivity setup, map
development and end-to-end testing.

Modern design, user experience and features• Single page application design• Active landing page with live dashboards focusing users on pending actions
and activities• User and system identity management with flexible role management andpermission entitlements that ensure the data is secure, yet accessible, toauthorized parties• Secure web services used to retrieve data and perform updates• Multi-lingual platform which can easily adapt to many languages• Web Content Accessibility Guidelines (WCAG) 2.1 AA compliant

Integrates easily with existing infrastructure
Implementation of the application is fast and easy, as OpenText will integrate
the commercial financing portal with your existing infrastructure. OpenText also
supports host-to-host file and message exchange with middle-office andback-office applications and facilitates connecting to customers and partners
through whatever mechanisms best support their needs. OpenText supports awide variety of connectivity options, message standards and file formats.
The OpenText™ STP Financial Hub for Commercial Financing delivers exception
management, proactive alert notifications, and configurable reporting featuresthat are designed to minimize risk. It offers a simple end-to-end view of credit
and leasing arrangements in an easily configured control environment that can bewhite-labelled. It includes full maker/checker capability to deliver an extremely
flexible control environment while leveraging an intuitive user interface.

OpenText™ STP Financial Hub for Commercial Financing

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See the demo
Keep up to date
Learn more

The OpenText™ STP Financial Hub Commercial Financing platform offers
self-service administration and provisioning tools as well as 24x7 technicalsupport from OpenText. It delivers transparent financed-asset management,
automated invoice and file processing, and scheduled curtailment collection
to reduce costs and operational risk by eliminating complexity for commercial
financing organizations.
• Hosting—OpenText provides complete hosting of Commercial Financing withthe standard offering of customer testing, production and disaster recoveryenvironments delivering the control environment you need to ensure proper
authorizations are in place for your processing scenarios• Administration—Permission to use the functionality of the platform is controlled
by the customer through a multi-tiered administration module that supportsrole-based access. Self-service password reset is available to reduce
administrative costs• Security—Users access the Commercial Financing platform through secureauthentication. Based on preference, all data is encrypted during transport. A fullaudit trail of user access and file uploads is maintained in the platform to support
the historical analysis of transactions• Technical Support—OpenText provides technical support services for customers
through a multi-tiered model. Support specialists work with customers totroubleshoot problems, pinpoint root causes and implement corrective action

About OpenText
OpenText, The Information Company, enables organizations to gain insight throughmarket leading information management solutions, on-premises or in the cloud. For
more information about OpenText (NASDAQ: OTEX, TSX: OTEX) visit: opentext.com.

Connect with us:• OpenText CEO Mark Barrenechea’s blog
• Twitter | LinkedIn

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