CINCINNATI — ACS Financial (ACS) and XpressCredit agreed to allow seamless export of credit applications from ACS to its finance sources on RouteOne.

The agreement, which utilizes the RouteOne Messenger service for non-franchise dealers in the U.S. market, leverages XpressCredit’s patent-pending technology and allows ACS to provide filtered credit applications to RouteOne’s finance sources. The XpressCredit platform’s proprietary filtering technology allows only applications that fit a finance source’s specific criterion to pass through to the institution’s underwriting department, thereby enhancing efficiency, approvals and look to book ratios.

“RouteOne is excited to serve as a technology bridge, allowing third party networks to connect with our participating finance sources,” said Mike Jurecki, RouteOne CEO. “This technology provides great benefit to our finance sources, as they can enjoy synergy with their existing connectivity to RouteOne to receive auto, RV, powersport, and marine credit applications from outside of our existing franchised dealer network. Our relationship with XpressCredit and ACS provides our finance sources access to high-quality applications from a number of consumer websites.”

Mark W. Louer, executive vice president of XpressCredit, said, “Leveraging the technology capabilities of each partner creates economies of scale and efficiencies for the lenders. Access to a wider spectrum of lenders through Route One and ACS, solidifies our dealer relationships.”