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Vehicle financing is a type of credit that allows for the purchase of automobiles in installments, offering an affordable alternative for legal entities (CNPJ) to obtain a vehicle without the need for upfront payment. This type of financing is widely used by consumers seeking financial flexibility, allowing them to choose terms and conditions tailored to the buyer’s profile. To minimize the risk of default and make the transaction safer for both the customer and the financial institution, the financed vehicle itself is used as collateral. Furthermore, different credit conditions can be applied, considering factors such as the customer’s history, down payment amount, and interest rate. This document explores how vehicle financing works, covering its types, analysis criteria, and the benefits this solution offers to BMP partners. Below is the step-by-step guide for using the use case:
Before using this service, you must configure authentication. Please see the authentication instructions for detailed guidance.

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1 - Simulations

The first step for contracting credit in the Working Capital modality is the simulation. The simulation can be performed in two ways:
In both simulations, the nroDiasAcrescimo field defines how many days will be added or subtracted from the default due date of the first installment. By default, the due date occurs on the same day as the simulation, but in the following month. For example: if the simulation is on 27/05, the default due date will be 27/06. If you fill in “20”, the due date will be 20 days after that default date (e.g.: 17/07). If the simulation is done on the 30th or 31st and the following month does not have those dates, the due date will be adjusted to the last day of the month (for example, a simulation on 31/01 will have a due date on 28/02).

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2 - Onboarding

After the simulation, you must register the customer’s personal information and address. This step is called onboarding. Onboarding is carried out in two steps:

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3 - Hiring

After the simulation, onboarding, and uploading of the client’s documents, it is necessary to submit a request for credit. We call this step Inserting a Proposal. To use a contract with a Payment Split split, add the object below to the previous request within the dto array:

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4 - Vehicle Data Inclusion

After submitting the contract request, you must add vehicle data.

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5 - Inclusion of Vehicle Documents

In this step, the partner can submit the vehicle documents through the endpoint below: 
curl --location 'https://api.bmpdigital.moneyp.dev.br/Proposta/IncluirDocumento' \
--header 'IdempotencyKey: UNIQUE GUID FOR EACH CALL' \
--header 'Content-Type: application/json' \
--data '{
  "dto": { // Only one of the fields below must be provided
    "codigoProposta": "3fa85f64-5717-4562-b3fc-2c963f66afa6", // Enter the proposal GUID generated in the response of the proposal inclusion
    "codigoOperacao": "string" // Enter the operation code used in the proposal inclusion
  },
  "documento": {
    "codigo": "3fa85f64-5717-4562-b3fc-2c963f66afa6", // Proposal code generated in the response of the proposal creation | REQUIRED
    "tipoDocumento": 0, // Document type of your customer (if you want to inform, check the enum table in the email) | REQUIRED
    "nomeArquivo": "string", // File name | REQUIRED
    "extensao": "string", // File extension (e.g.: jpg, pdf, png) | REQUIRED
    "dtValidade": "2023-05-23T20:57:08.922Z", // File expiration date | REQUIRED
    "arquivo": "string" // Desired file encoded in BASE64 | REQUIRED
  }
}'

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6 - Collecting Signatures

After entering the property details and registering the guarantee, you must collect signatures from all parties involved in the proposal. To learn more about signature models, access the [Signatures] document (https://bmpdocs.moneyp.com.br/caas/assinaturas). Signatures can be completed in three ways:

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7 - Proposal Release (Optional)

This is the final step in the Vehicle Financing loan process. The partner can release the proposal to the payment queue after receiving the “completed” proposal status, with BMP handling the disbursement process. At this stage, it is necessary to release the proposal through integration with our Proposal Release URL for payment to validate the model after signature.
When using automatic lien, it is not necessary to call the proposal release endpoint. The process occurs automatically as the lien is linked to the financing.

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Endpoints and auxiliary documents

For this journey, it is very important that the partner knows the Technical Procedure for CaaS Callback. The following endpoints may also be useful:
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