eContracting and an eVault for auto lenders, dealer-financed and non-prime included — sign the retail installment contract, vault the authoritative e-original, and move from funding to securitization on one platform.
Book a DemoEvery day a signed contract sits unfunded is capital you can't recycle. Paper and PDFs add days you can't afford.
ABS investors and warehouse lenders won't advance against copies. No authoritative original, no clean funding.
Digital retail is the norm now — but scanned contracts and wet signatures create gaps, disputes, and rework.
Legacy platforms were built for the biggest captives and priced like it — too heavy and too costly for most lenders.
Sign RISCs online with legally binding e-signatures — remote, in-store, or straight from the dealer's DMS.
Every executed contract becomes a single, tamper-evident e-original under UCC §9-105 control.
Verified, vaulted contracts fund in minutes — often before the borrower leaves the lot.
Clean, controlled e-originals cut loan dwell time and make ABS pools and portfolio sales effortless.
The same authoritative-copy control the biggest lenders rely on — purpose-built, modern, and priced for the rest of the market.
Signing is step one. Loyva vaults every executed contract as the controlled, authoritative e-original under UCC §9-105.
Give your custodian bank verifiable control — and move collateral cleanly among multiple financing sources.
Digital contracts structured for asset sales and ABS pools — verifiable e-originals investors can trust.
APIs and integrations for dealer management, origination, and funding workflows — including proprietary systems.
Vault-grade infrastructure without the enterprise rollout or the Wall-Street price tag.
Every contract's status, hash, and audit trail in one place for lenders, custodians, and investors.
Electronic chattel paper is only fundable when it meets UCC § 9-105. Loyva enforces every requirement automatically, then issues an audit certificate to prove it.
Exactly one authoritative version of the record exists — enforced at the vault, never duplicated.
A SHA-256 hash is computed and stored on every signature event, so any change is detectable.
The party in control is named and confirmed through an accepted custodian permission.
Every required signer has completed and signed the document before it is vaulted.
Duplicate copies are clearly identifiable as non-authoritative and stored separately.
The contract reaches a completed status — no partial or pending states counted as final.
A signed compliance certificate is produced and stored as verifiable proof of control.
from a signed contract to a funded dealer
days of loan dwell time waiting on paper originals
lower cost than legacy enterprise eVaults
Fund auto contracts before they leave the lot.
Book a Demo