Pete MacInnis
Founder and CEO of eLEND Solutions™
Blog
When Your Systems Disagree About the Customer
The CRM shows a brand-new lead.The DMS shows they bought a vehicle from the store before.Service history shows years of maintenance visits.Meanwhile, the desk is working the deal. At that point, nobody is completely sure which version of the customer is a...
Blog
Soft vs. Hard Credit Pulls: If Cost Isn’t the Differentiator, What Is?
For a long time, cost made this decision straightforward.Soft pulls were the default because they created a clear cost-per-pull advantage. That gap hasn’t disappeared. But it has narrowed. As it tightens, the decision starts to shift. What actually matt...
Blog
You May Not Control Lender Pricing, But You Control the Outcomes
Dealers are being held responsible for outcomes they do not fully control. Lender pricing and approvals don’t work the way they used to. More of those decisions now happen inside systems you can’t see or reliably anticipate. When it ...
Blog
Why the Same Credit Moment Lands Differently in a K-Shaped Market
There was a time when a credit pull told you roughly how a deal would go. You might not know the lender yet. You might not know the exact structure. But you had a sense. Prime felt like momentum. Subprime felt like work. Most deals landed some...
Blog
From Guesswork to Lender Reality: Understanding Pre-Desking
This isn’t a new problem. Dealers have always negotiated before lenders weighed in.Quoted numbers have always shifted once approvals arrived.Re-pencils have always been part of the deal desk process. But the way lenders price risk has changed Two deals ...
Blog
Transform the Transaction: Why Automotive Desking Can’t Carry Lender Reality Alone
If service was slow or the pricing was unclear when you visited a restaurant or store, how likely would you be to return? The same applies to car buyers....