For financial institutions with car finance

Market value of every car-loan collateral, reviewed monthly.

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The problem

In car finance the car is the collateral, yet it is valued when the loan is granted and never looked at again. When a segment's market falls, the bank finds out at recovery, not before.

  • Collateral value set once, at origination
  • No warning on contracts whose car is already worth less than the debt
  • Supervisors asking for prudence on balloon-payment residuals

What helps

AvailablePortfolio monitorRevalues the book with the live engine and flags underwater contracts.
  • Web
  • Excel
  • PDF report
  • JSON API
View product

A case with real numbers

Reviewing the collateral of a balloon-payment loan

Scenario: a bank finances a 2019 Volkswagen Golf with 92,000 km in Spain, with a balloon payment due in 12 months. The engine valued it on 26 Oct 2026.

  1. Today's market value: €12,080, with an interval from €10,210 to €13,950.
  2. Projected value at 12 months: €9,509. If the agreed balloon payment is above that figure, the contract goes on the watch list.
  3. With the portfolio monitor the review repeats every month for every contract and the list is ranked by risk.

Usage scenario. The figures are those returned by the engine and those from our measurements, with their date.

Formats

  • Web
  • JSON API
  • Excel
  • PDF report

We never deliver individual records: only valuations and aggregates.

Pricing

RV second opinion on your book
Free 100-car sample · trial €3,500 · report €5,000-8,000 + VAT
Quarterly second opinion (monitor + 4 reports)
Monitor + €6,000/year + VAT
Portfolio monitor (up to 20,000 vehicles)
€390 up to 1,000 · €990 up to 5,000 · €1,990 up to 20,000 vehicles, per month + VAT
Quarterly report, read-only (1 country, calendar quarter)
60 credits per issue · 1 free issue per company
Professional fortnightly report (web, PDF, CSV and history)
€290-440/month per country + VAT
Custom models
Trial €3,500 · €900/day + VAT

Prices + VAT. 12-month contract; paying the year upfront = 10 months. Price per mid-size country (ES, IT, NL); large country (DE, UK, FR) ×1.5; small ×0.6. Several countries: −15% (3-5), −30% (6-9), −40% (10 or more).

How it is measured

Accuracy is measured in every cycle; results are available on request to professional clients. We never deliver raw data: only valuations and aggregates.

Other profiles:Leasing and rentingInsurersDealers

Request your 100-car sample

Free and under NDA: we value 100 vehicles from your book, today and at maturity, and show where the agreed residual sits above the market. Spain, France or Italy; cars up to 8 years old.

Request your 100-car sampleRequest a demoSingle valuations: credit packs from €14.99 incl. VAT, no subscription.