Worksheets Attached to Credit Applications

The application says who the buyer is. The worksheet says what the deal is. SecureWebX keeps both on one record, so the lender sees one structure and the store quotes one payment.

A worksheet attached to a credit application is the deal structure, cash, finance or lease, saved on the same SecureWebX record as the customer's application, so the numbers the lender sees and the numbers the customer was quoted are one set of numbers. That is the whole idea in one sentence. In practice it means the finance office stops keeping the deal in three places: the application in one system, the pencil on a printed four square, and the lender's version of the structure buried in an email thread.

Inside SecureWebX, worksheets are a first class object. You can create one from scratch, duplicate one to try a different structure, give every new worksheet your store's defaults, attach it to an application, detach it if the customer changes direction, and open a deal recap PDF that lays the structure out the way a lender wants to read it. An application can also travel with no worksheet at all, documents only, which suits a store that desks in the CRM and only needs the application file to move.

The math is the desk's math. Worksheets in SecureWebX run at parity with the LeadLocate CRM desking engine, the one described on the desking tool page, so a payment structured on the showroom floor and a payment structured at the finance desk agree to the dollar. The dealership CRM with credit application page covers the CRM side of that relationship. This page is about the worksheet itself.

Picture a Tuesday. A salesperson texted an apply link to a customer last night, the customer finished the five step application from the couch, and it is sitting in the application inbox this morning with a status, an assignee and an amount requested. The finance manager opens it, reads the income and down payment sections, and attaches a worksheet. The worksheet opens with the store's defaults already in place: the default term, the default sell rate and buy rate, the default sales tax rate, days to first payment, the lease type and money factor, whether GAP is included by default, whether negative equity is taxed by default. Nobody types those in. They were set once under Worksheet Defaults and every new pencil inherits them.

The manager enters the vehicle. Either the VIN is decoded into year, make and model, or the unit is looked up by stock number against the store's own inventory. The trade is booked out inside the worksheet. Three down payments by three terms fill the pencil grid, the customer's preferred structure gets picked, and the manager opens the lender deal recap as a PDF. That recap is what accompanies the application when it is shared through Send to Lender, so the lender is looking at the structure the store actually wants approved rather than reconstructing it from the amount requested.

When the customer calls back and asks about a shorter term, the manager duplicates the worksheet, changes one field, and now has two structures on the record with the original intact. When the customer switches to a different unit entirely, the first worksheet is detached and a new one is attached. The application never moves, and the record of what was penciled stays with it.

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Worksheets live in the SecureWebX console, which opens from the SecureWebX button on the LeadLocate CRM dock with one login. The console has a Worksheets area of its own, searchable by worksheet ID, vehicle, VIN, stock number or customer name, and every application in the inbox has its own attach and open controls, so you reach a worksheet either from the list or from the application it belongs to. Worksheet Defaults sit under Settings, where a manager sets them once for the store.

There is a second door. A deal structured in LeadLocate CRM desking can be pushed into SecureWebX as a worksheet, which is how a floor pencil arrives at the finance desk with its numbers intact instead of being rekeyed from a printout. The console is also available as the SecureWebX app on iOS and Android, so a manager away from the desk can still open an application and read the worksheet attached to it.

The three pencils cover the way deals are actually written. Cash is the simple one: price, tax, fees and trade. Finance carries APR, sell rate against buy rate, term, days to first payment, payment frequency and a loan to value ceiling measured against the retail book. Lease carries the money factor, annual mileage, lease type and the lease tax method, which matters because states tax leases differently and a worksheet that only knows one method quotes a wrong payment in the wrong state. Because the engine is the same one behind CRM desking, the tax, frequency and trade handling the desk relies on are the rules the worksheet applies.

Defaults are centralized on purpose. A store sets the default active tab, credit tier, approval status, term, rates, tax rate, GAP inclusion and negative equity treatment once, plus a worksheet disclaimer if it wants one. From then on every worksheet, on every application, starts from the store's policy rather than from whatever the last manager left in the fields. Duplicate saves a variation without touching the original. Rename keeps a busy record readable. The deal recap PDF prints the structure cleanly for the customer, the lender or the deal jacket.

A worksheet is only as good as the vehicle it is pricing, so the deal vehicle section does real work. Decode a VIN into year, make and model, or look the unit up by stock number against the store's inventory so the price, mileage and equipment come from the record you already maintain. A wish list holds the structure for a customer whose unit has not landed yet. A manager confirms the build, factory packages and options plus dealer added equipment, from the window sticker, and marks it confirmed, so the pencil reflects the car on the lot and not a guess.

Then the checks, run from inside the worksheet against that vehicle: title, stolen vehicle, sales history, auction history and warranty. A finance manager learns about a branded title before the lender does, which is the right order. Kelley Blue Book QuickValues book-outs sit in the same panel, so the trade value or the retail book on the unit lands in the pencil, and the loan to value line reads against a book figure rather than against a number somebody remembered from last month.

Most stores pay for this twice without noticing. There is a desking tool, sometimes a module of the DMS and sometimes a separate subscription, and there is a credit application tool, and the two know nothing about each other. The structure gets rekeyed from one into the other, or printed and stapled, and the version the lender receives is whichever one the finance manager remembered to update. Book-outs come from a third login. Vehicle history checks come from a fourth. Each one carries its own seat fee and its own password.

In SecureWebX the worksheet, the application, the book-out and the vehicle checks are on one record, and SecureWebX is part of the LeadLocate platform subscription rather than a line item. Plans are month to month, from CRM Only at $199 for a store that wants the software without lead delivery; the pricing page lists the rest. A store that already desks in the CRM loses nothing by adding the worksheet at the finance desk, because the two are the same engine and a CRM deal can be pushed across.

A credit application with a worksheet attached is a cleaner compliance record than an application with a payment scribbled on the folder. The structure the customer was quoted, the structure the lender received in the deal recap, and the application itself sit on the same record, under the same audit log that tracks who opened, edited and shared the file. Worksheets carry a disclaimer field the store controls, so the language that accompanies a pencil is the store's language on every pencil. Records in SecureWebX are archived, never deleted, so a question about what a specific customer was offered months later has a specific answer.

None of this makes a store compliant by itself, and a vendor who says otherwise is selling something. What it does is close the gap between the numbers the sales floor shows and the numbers the finance office submits, which is where most of the ugly questions come from. The online credit application software page covers the application side of the record in more depth.

There is nothing to buy or install. SecureWebX is created with your LeadLocate account, your users sync across, and the console opens from the SecureWebX button on the CRM dock. Set Worksheet Defaults once under Settings, then open any application in the inbox and attach a worksheet, or create one from the Worksheets area and attach it later. If your store wants defaults beyond the ones on the settings page, or a recap layout specific to a lender you work with, that is available on request, and our team puts it in production for your dealership.

Pair it with EZ Desking worksheets in the CRM so the floor and the finance desk share one engine, with Send to Lender so the recap travels with the application, and with stipulations so the proof of income the lender asks for lands on the same record as the structure. The all features list shows where worksheets sit among everything else in the platform, and the pre-recorded live demo shows an application coming in and a worksheet going out.

Does the worksheet use the same math as the CRM desking tool?

Yes. SecureWebX worksheets run at parity with the LeadLocate CRM desking engine, so cash, finance and lease structures penciled on the floor and at the finance desk agree. A deal built in CRM desking can also be pushed into SecureWebX as a worksheet instead of being rekeyed.

Can I try a second structure without losing the first?

Yes. Duplicate saves a new variation with the original intact. Attach the one the customer chooses and detach the other if the deal changes direction. The application record keeps what was penciled.

Where do the deal defaults come from?

From Worksheet Defaults under Settings in the SecureWebX console. A manager sets term, rates, tax rate, lease type, money factor, GAP inclusion and negative equity treatment once, and every new worksheet starts from them.

Can the worksheet value the trade?

Yes. Kelley Blue Book QuickValues book-outs run inside the worksheet, so the trade value or the retail book on the unit lands in the pencil without a separate login, and the loan to value line reads against a real book figure.

What does the lender actually receive?

A deal recap PDF generated from the worksheet, shared with the application through Send to Lender, which is a code gated, expiring, revocable and watermarked share to any lender you choose. It is a secure share rather than a lender portal integration.

Is the worksheet an extra charge?

No. SecureWebX, worksheets included, is part of every LeadLocate plan. Plans are month to month and listed on the pricing page.

See a credit application come in by text and leave with a worksheet, a book-out and a lender deal recap attached, all inside SecureWebX, part of every LeadLocate plan.

Prefer to talk right now? Call or text 844-376-2274.