Collateral monitoring
Existence, location and condition of every financed asset, continuously — not a quarterly spot check.
Vehicle asset finance · Collateral protection
Collateral you can see. Portfolios you can defend.
Telematics fitted as a condition of disbursement. Continuous collateral monitoring, early warning weeks before a missed instalment, faster days-to-recover — and a feed straight into your loan origination and servicing systems.
SUNTRACK · COMMAND CENTRE
LIVE
NOVA — “Fuel 61% · coolant 88 °C · no faults. 312 verified km today.”
24/7COLLATERAL VISIBILITY, EVERY ACCOUNT
WeeksEARLY WARNING AHEAD OF ARREARS
<5sTAMPER & POWER-CUT ALERTS
APIDEVICE-LIVE CHECK AT DISBURSEMENT
01 · What you get
Portfolio protection, account by account.
Activity & inactivity scoring
An asset that stops working stops earning. Inactivity is flagged weeks before the instalment bounces.
Early-warning collections
Movement, geofence and engine-hours anomalies surface distressed accounts while a restructure is still possible.
Repossession & recovery
Current position and history cut skip-tracing and days-to-recover. Fewer total-loss charge-offs.
Remote immobilisation
Speed-zero guarded, rules-based, fully logged — under your policy and your authorisation.
Verified kilometres & residuals
Tamper-evident distance and fault history: residual values you can underwrite, resale you can prove.
02 · Data products
What lands in your systems.
Collateral dashboard
Location, engine health, abuse and tamper alerts per financed asset.
Portfolio risk feed
Activity score, inactivity, geofence and tamper flags per account, by API.
Device-live check API
A disbursement gate: no live device, no payout.
Vehicle passport
Mileage, fault and service history for residuals, resale and recovery.
03 · How it works
Four steps into the finance agreement.
01
Approved supplier
SUNTRACK onboarded as your telematics supplier with a fitment network at your dealers.
02
Condition of disbursement
Fitment and the data terms written into the agreement as a condition precedent.
03
Fitted before delivery
Covert, behind the dash, before the vehicle leaves the dealer.
04
Live in your LOS
Device-live check, then payout. Alerts flow to collections and the account feed starts.
04 · Questions
What credit committees ask.
How is the device paid for?
Commercial terms are agreed with the financier. The device and the monthly line can be structured into the finance agreement or billed separately — we take you through the options in the proposal.
Does this replace our recovery partner?
No. It gives your recovery partner current position and history, which is what shortens the cycle. Immobilisation is rules-based, speed-zero guarded and under your authorisation.
How does it integrate with our loan systems?
By API: device-live status for disbursement, per-account collateral and activity feeds for collections, and exports for credit committee and funders. We map to your loan origination and management systems, not the other way round.
Who owns the data and how is consent handled?
SUNTRACK holds the data under the data terms in the agreement; you receive the collateral feed your contract entitles you to. Borrower and driver consent is taken at fitment under POPIA.
What is telematics-based collateral monitoring?
A device on the financed vehicle reports position, engine data and tamper events continuously, so the lender can verify that the collateral exists, is where it should be and is still earning — instead of relying on borrower statements or periodic inspections.
How does early warning reduce arrears?
A vehicle that stops moving, stops running its engine or leaves its normal territory usually stops earning before the instalment is missed. Flagging that inactivity weeks earlier lets collections restructure a distressed account while it is still recoverable.
05 · Talk to us
Put your book in the light.
Tell us about the desk — a clause, a dashboard walkthrough and a pilot proposal within one business day.