Auto Loan Origination Funding (Indirect) — impact tolerance ≤ 2 business days — ITOL

Impact tolerance: ≤ 2 business days — dealer funding queue > 2 days causes contract cancellation (illustrative default — trace the derivation, then replace with your own harm analysis)

Definition: Fund approved auto loans to dealer partners via indirect lending channels.

Why it is designated: Dealer relationships are sensitive to funding speed but the harm curve is commercial, not consumer. Alternatives exist (other lenders). Tolerance can be longer than direct customer-facing services.