For F&I Managers
The compliance chain doesn't break here.
Credit app on the customer's phone. Menu on a tablet. Product taxability calculated per state. Lender submissions tracked. Insurance verified. Deal jacket printed. All of it in one place — because F&I shouldn't be juggling four tools to close one deal.
Built into the platform
Everything F&I actually uses
Universal credit app
One link to the customer, filled on their phone, GLBA-compliant, locks on submit. No more paper packets.
50-state × 7-product taxability
VSC, GAP, MBI, tire & wheel, key, prepaid maintenance, appearance — each taxed correctly by state.
Menu presentation view
Customer-facing tablet layout. Signable. Tracks additions and removals in real time.
Lender submission tracking
Every lender, every stip, every response — logged with status and buy rate.
Compliance checklist per deal
OFAC, GLBA, TILA, Red Flags — checked and archived on every deal.
PVR + product penetration dashboard
Live per-rep and per-product metrics. Ready for the monthly meeting.
Trade-in payoff calculator
Enter payoff and per diem — we compute the payoff at funding time and warn when it goes stale.
F&I closing sheet PDF
One-click PDF of the full deal — menu, tax, financing terms, disclosures — for the customer to sign.
Frequently asked questions from F&I
How does the 50-state F&I product taxability matrix work?
Every F&I product (VSC, GAP, MBI, tire & wheel, key replacement, etc.) is taxed differently depending on the state. Our platform has a 50-state × 7-product matrix baked in — when you build a menu, the tax on each product is calculated automatically.
Can I collect the credit application electronically?
Yes. F&I sends a share link to the customer's phone, they fill it out, we lock the app, and you print or export it. All 4506-T / GLBA compliance disclosures are built in.
How do you handle lender submission tracking?
Each lender submission is logged with status, response, buy rate, and any stipulations. When a lender kicks back a stip, F&I sees it on the deal dashboard so nothing gets lost.
Does the platform give me PVR and product penetration numbers?
Yes. Live PVR (per vehicle retail), product penetration by type (VSC/GAP/etc.), and F&I gross by rep. Built for the monthly F&I meeting.
Can I present the F&I menu to the customer on a tablet?
Yes. There's a customer-facing presentation view — clean interface, signable, tracks which products the customer added or removed.
Does this replace my DMS F&I module?
It complements it. Most F&I teams use our platform for out-of-state deals, complex compliance chains, and better menu presentation — while the DMS still does the accounting integration. Some smaller stores run entirely on us.