Solifi FMO
Front- and middle-office execution built for speed, control, and scale
Growth slows when front- and
middle-office work remains fragmented
Finance providers are under pressure to process more business, support more channels, and improve customer and dealer experience without adding the same level of cost and operational complexity.
Manual approvals, disconnected systems, repeated data entry, and inconsistent workflows create drag between quote, decision, documentation, and activation. They also make it harder to introduce new products, support local market requirements, and maintain clear oversight across the deal lifecycle.
FMO brings these activities into one configurable front- and middle-office environment, helping teams reduce handoffs, improve consistency, and move deals forward with greater visibility and control.
Less process drag. More control from first contact to activation.
Manage the path from quote to activation
in one connected environment
FMO supports the core stages of front- and middle-office execution, helping teams structure, progress, approve, document, and activate finance transactions with fewer fragmented handoffs.
Quote creation and product structuring
Configure products, pricing, terms, fees, and deal structures for different channels and customer needs.
Proposal capture and progression
Capture applications and supporting information through dealer, broker, customer, and internal channels.
Underwriting and decision support
Route deals through credit, approval, exception, and decision workflows with clearer control.
Documents and digital processing
Generate, verify, review, and complete documentation using e-signature, e-ID, and connected document workflows.
Payout and activation
Clear conditions, complete approval, and progress deals into activation and downstream portfolio management.
Built on OFP for connected execution, downstream continuity, and scalable growth.
The FMO overview specifically frames the product around quote creation, proposal capture, underwriting, documentation, payout, activation, and connected handoff into portfolio management.
Built for the realities of modern finance operations
Bring portfolio signals, verification evidence, findings, and follow-up workflows together to strengthen oversight across dealers and financed inventory.
Configurable workflow automation
Configure statuses, actions, rules, fields, work queues, approvals, escalations, and exceptions to reflect how your business operates.
Dealer and customer channels
Support dealer-enabled submissions, customer-direct journeys, digital proposal access, e-signature, and e-ID processing.
Document and exception management
Improve document handling, identify issues earlier, capture reasons for overrides or waivers, and maintain stronger review and audit trails.
Operational growth & scalability
Process more applications, support more products and channels, and increase capacity without adding the same level of administrative overhead.
Structured execution
Reduce handoffs from application through activation
FMO gives teams a more controlled way to move transactions through application intake, underwriting, documentation, approval, and activation.
Role-based work queues, configurable statuses, defined actions, and escalation rules help the right people see and progress the right work at each stage. This reduces dependence on manual coordination and creates a more consistent path from submission to approval-ready status.
- Configurable application statuses and actions
- Role-based work queues
- Approval and escalation workflows
- Controlled exception handling
- More consistent progression across channels
Connected digital journeys
Support dealer, customer, and lender journeys without adding process friction
FMO supports multiple channels while keeping information and workflow connected. Dealers, customers, and internal teams can submit, review, and progress transactions through digital journeys designed around the finance process.
Dealer-enabled submissions, customer-direct access, e-signature, and e-ID help reduce back-and-forth while giving lenders stronger control over how information enters and moves through the process.
- Dealer-enabled submission and approval workflows
- Customer-direct proposal access
- E-signature and e-ID support
- More scalable channel operations
- Reduced manual rekeying and follow-up
Document Intelligence
Reduce document drag without weakening control
Document-heavy workflows often create delay between approval and activation. Manual review also introduces inconsistency, repeated handling, and avoidable exceptions. Solifi Document Intelligence brings AI-powered verification into the FMO workflow to help identify issues earlier, standardize review, and progress verified documents more efficiently while keeping human oversight in place.
Workflow-integrated verification
Bring document verification results directly into the transaction workflow rather than managing them in a separate process.
Discrepancy identification
Surface visible issues, inconsistencies, and missing information for review.
Universal document checks
Support checks for legibility, completeness, and visible signs of tampering.
Controlled human oversight
Allow teams to review, override, or waive findings with reason capture and clear auditability.
Move verified documents forward faster
When documents pass required checks, FMO can support automatic progression to the next workflow stage. When issues are identified, teams receive clearer context for review and resolution.
This improves consistency across document handling, reduces avoidable delays, and strengthens readiness for review and audit.
EXPLORE DOCUMENT INTELLIGENCE
Adapt products and processes without rebuilding the platform
Finance providers need to respond to changing products, channels, operating models, and regional requirements without creating a new customization burden every time the
business evolves.
FMO supports configurable workflows, fields, rules, controls, statuses, and actions. This gives teams greater flexibility to introduce new products and adapt operating models while maintaining a more consistent platform foundation.
- Configurable workflows and rules
Product and channel adaptability - Role-based controls and sensitive fields
- Audit trails and documentation control
- Distance-selling support
- VAT-related process support
- Local-market operating flexibility
Modernize with greater continuity
Because FMO is built on Solifi’s Open Finance Platform, customers gain a clearer path to modernization, upgrades, and connected downstream operations without treating the front office as an isolated layer.
Platform-backed execution, not a stand-alone front office
FMO is built on Solifi’s Open Finance Platform, connecting front- and middle-office execution to downstream portfolio operations and the broader secured finance lifecycle.
This gives finance providers greater continuity across workflow, data, documents, approvals, and servicing while supporting a more scalable path for modernization and growth.
See what stronger front- and middle-office execution can do for your business
Talk with our team about improving deal progression, dealer and customer journeys, document control, and operational scalability with Solifi FMO.