Mastering Debt Eligibility
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      2. Mastering Debt Eligibility

      From reservation request to contractualization - Distributor guide

      Find out in this guide how to use Debt Eligibility as a distributor, from creating a reservation request to validating the loan guarantee application.

      Introduction

      The Debt Eligibility application facilitates the management and distribution of guarantee, subsidy or conditional loan programs to a defined network of distributors.

      The application is based on a workflow fed by two players:

      • The program manager, who creates the program, sets eligibility criteria, validates reservation requests, handles reporting and controls credit events linked to each contracted loan (events, defaults, guarantee calls, etc.).
      • The distributor, who distributes the program in his territory by advising his customer portfolio. He or she uses Kls to make a reservation request and check the match between his or her customer's specific requirements and the program's eligibility criteria.
      • The distributor then reports on the progress of discussions to the Program manager up to the point of contractualization, and notifies him of any noteworthy events, all traced in Kls.

      This user guide details, step by step, the process a distributor goes through to convert a reservation request into a contracted loan.

      Contents

        The purpose of this guide is to train a distributor user in the use of Debt Eligibility. If you have any questions about how to set up the program, please contact the program managers directly.

        1. Reservation request

        In order to make a reservation request for a program in Debt Eligibility, you must meet two conditions:

        • You must be authorized to access your entity's Kls Desk with the necessary rights to use Debt Eligibility.
        • Your entity must be listed as a “Distributor” by the manager of a Debt Eligibility program.

        If these criteria are met, you will be able to access the “Debt Eligibility” application when you log on to your space.

        The list of programs you can distribute will be available on your dashboard.

        Here you'll find key information such as their status (Distributed or Pending), distribution dates, the amount available in the program envelope, etc.

        Vues des programmes

        For more details, click on a program.

        You'll find a dashboard showing the consumption of the program's envelope, in real time. It allows you to see the amounts still available for distribution, so you can anticipate potential requests from your customers.

        The program manager also has a Dataroom to provide you with documentation.
        He or she will also be able to provide you with contact details for any questions you may have, as well as details of the distribution process to make it easier for you to understand the key stages involved in obtaining a conditional loan on this program.

        [DE] Vue distributeur - Dashboard dun programme (EN)

        To request a reservation, simply click on “New reservation”.

        A new window will open, inviting you to fill in the information required to formalize your request.

        After validation, a page dedicated to your reservation request is created.

        This page will be the central hub for all information concerning your reservation, its future contractualization and the program manager's comments.

        vue dune réservationIt is currently in draft form.
        To move it forward, you'll need to complete the eligibility form set up by the program manager and send it for validation.

        The Desk Kls eligibility engine will help you understand whether or not your customer is eligible for the program, so that you don't waste any more time than necessary taking the necessary steps.

        The eligibility engine will tell you directly if any of the answers entered are ineligible.

        You also have a Dataroom specific to each reservation, which can be consulted by the program manager, and on which you can add any supporting documentation required.

        If everything is in order, you can send your request to the program manager for acceptance.

        All the information you enter will be kept for future use.

        [DE] Compléter une demande de réservation (EN)

        Once your reservation request has been sent, the Program manager has the possibility to act on it.

        The program manager may : 

        • Refuse your request, which will result in automatic archiving of your reservation request.
        • Put the request on hold, in three cases
          • Waiting for feedback from the institution, in the event of a need for clarification
          • A request for additional information, if your reservation lacks supporting documents to prove the information entered.
          • Send as a draft, which will give you the opportunity to update the information in your reservation request, for example.
        • Validate your request, enabling you to move on to the next stage: contractualization.

        Each of these actions will trigger an e-mail notification to alert you to the change in status of your reservation.

        ⚠️ A reservation request has a lifetime, after which it is automatically cancelled in the event of inactivity. This duration is set by the program manager, and you can see the expiry date of your reservation on each of them.

        It is possible to extend this date, to lengthen the lifetime, once per reservation.

        2. Contractualization

        If your reservation request is accepted by the program manager, you'll have access to a new stage: contractualization.

        This stage enables you to communicate all the information relating to the loan you have made to your customer. 

        The contract is drawn up for each financing object.

        If your reservation includes more than one, please ensure that you complete all of them.

        [DE] Vue distributeur - Contractualisation du prêt (EN)

        Once contractualization has been completed, your reservation changes status to “Loan signed”.

        The program manager can then extract the contractualization data from your reservation and report it to the guarantor.

        The final stage of your reservation will depend on the guarantor's return, which may give final approval for the guarantee, subsidy or subsidized rate, or refuse to approve it.

        The program manager will be able to adjust the status of your reservation according to this feedback, and you will also be notified of any change in status.

        You can find all your reservations, sorted by status, in the “Follow-up” tab on the left-hand side menu.

        Capture d’écran 2025-02-10 à 16.30.11

        3. Guarantee call & event management 

        For each of your reservations, you have the option of recording all important events linked to your credit, as well as warranty call requests.

        To find out how this feature works, see our dedicated guide on this page.***

        4. Data extraction for your reporting

        As a distributor, you can also take advantage of the data export module to export your reservation data in Excel format, for all your reprocessing and reporting needs.

        To do this, go to a program and click on “Reporting” in the top right-hand corner.

        You will be able to create export templates, allowing you to select the fields of interest to you. Once created, these templates can be saved and reused as often as you like.

        [DE] Vue distributeur - Export de donnée distributeur (EN)

        You can then launch the data export and retrieve your Excel file.