Connected Retailing Solutions

Your dealership. Your way. Powered by middleware.

  • Faster, more efficient deal flows.
  • Seamless, trust-building customer experiences.
  • Full control and vendor independence.
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Our vendor-neutral middleware platform bridges the gap between shopping and contracting for car buyers and dealers. This modern dealership solution for connected retailing provides transactable, fundable deal structures at the point-of-sale, online, or in-store.
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Video Player

Our vendor-neutral middleware platform bridges the gap between shopping and contracting for car buyers and dealers. This modern dealership solution for connected retailing provides transactable, fundable deal structures at the point-of-sale, online, or in-store.
Get Started

Middleware
for Connected
Retailing

Fundable Deal Structuring

  • Validate the near final deal structure with lender matched credit decisions instantly at the point-of-sale, prior to the F&I handoff.

Submit to Desking, DT or RO

  • Send the entire credit application and qualified, matched deal to your desking tool or DealerTrack/RouteOne for final negotiations and profit optimization.

Credit Inquiry

  • “Credit First” selling gives you early visibility into your customers credit profile and buying power - enabling you to match the customer with the right vehicle and work the right deal, right from the start.
Learn More

Identity Verification

  • Validate your customers true identity and establish "proof of presence" in less than a minute for start-to-finish risk free selling with your remote and in-store buyers.
Learn More

Multi Lender Matching

  • The vehicle of choice and the customers qualifications are instantly matched to multiple qualifying lender programs.

Payment Scenarios & Selection

  • Compare multiple retail and lease deal structure scenarios from multiple lenders to find the options that provide every customer with real choices while maximizing PVR.
Learn More

Fundable Deal Structuring

  • Validate the near final deal structure with lender matched credit decisions instantly at the point-of-sale, prior to the F&I handoff.

Submit to Desking, DT or RO

  • Send the entire credit application and qualified, matched deal to your desking tool or DealerTrack/RouteOne for final negotiations and profit optimization.

Credit Inquiry

  • “Credit First” selling gives you early visibility into your customers credit profile and buying power - enabling you to match the customer with the right vehicle and work the right deal, right from the start.
Learn More

Identity Verification

  • Validate your customers true identity and establish "proof of presence" in less than a minute for start-to-finish risk free selling with your remote and in-store buyers.
Learn More

Connected Solutions for Connected Retailing

Our API enabled middleware solution changes when and how the shopper is introduced to qualified payment information and dealership financing options- accelerating the transaction and enabling true end-to-end connected retailing.

Why Choose eLEND Solutions?

Easy Integration

Our vendor neutral platform offers no-charge, bi-lateral API’s with your core platforms and most DR platforms without switching costs or forcing you into restrictive contracts or relationships with specific vendors.

Accuracy

Advanced credit filtering and calculation logic provides every customer with personalized, fundable lease and finance calculations for all year, make, model, trim, option combinations and all credit tiers - for all buying scenarios. Prior to the F&I handoff.

Flexibility

Our solutions offer almost endless configuration options - giving you the flexibility to determine what advantages and workflows work best for your strategy, your brand and your customers.

Advantages & Benefits of
Connected Retailing

  • Higher Productivity
    and Efficiency:

    By focusing on high-intent leads that are more likely to close, agents can handle more leads in less time and improve customer response times.

    Boosts
    Conversions:

    Offering more accurate, transparent, and personalized information upfront, significantly improves lead quality, browser-to-buyer conversions, and overall customer satisfaction.

    Better
    Follow-ups:

    Real-time, qualified payment quoting allows you to follow up more effectively with tailored information and personalized recommendations, rather than sending generic messages.

  • New Profit
    Opportunities:

    Starting sales and finance at the same time eliminates the sloppy handoffs, increases finance penetration, and ensures money is left in the deal for F&I add-ons.

    More
    Time:

    Early lender matching means fewer rewrites/unwinds, faster approvals and cleaner funding – leaving more time to sell and handle more deliveries.

    Improved
    Lender Relationships:

    Stronger relationships translate to better terms, faster approval times, smoother resolution of any issues – and faster F&I turns.

  • Close More Deals,
    Faster:

    Your customers are more likely to commit and commit faster with early realistic payment quoting, allowing the sales team to focus on building value in the deal.

    Builds Trust,
    Drives Loyalty:

    Customers appreciate the honesty and clarity, which builds trust in both the process and the dealership, accelerating the transaction and turning buyers into lifelong advocates.

    Stay in Control,
    Maximize Profits:

    You have full flexibility and control over your operations. No lock-ins, no hidden fees—just the freedom to grow your dealership your way.

  • Higher Productivity
    and Efficiency:

    By focusing on high-intent leads that are more likely to close, agents can handle more leads in less time and improve customer response times.

    Boosts
    Conversions:

    Offering more accurate, transparent, and personalized information upfront, significantly improves lead quality, browser-to-buyer conversions, and overall customer satisfaction.

    Better
    Follow-ups:

    Real-time, qualified payment quoting allows you to follow up more effectively with tailored information and personalized recommendations, rather than sending generic messages.

  • New Profit
    Opportunities:

    Starting sales and finance at the same time eliminates the sloppy handoffs, increases finance penetration, and ensures money is left in the deal for F&I add-ons.

    More
    Time:

    Early lender matching means fewer rewrites/unwinds, faster approvals and cleaner funding – leaving more time to sell and handle more deliveries.

    Improved
    Lender Relationships:

    Stronger relationships translate to better terms, faster approval times, smoother resolution of any issues – and faster F&I turns.

  • Close More Deals,
    Faster:

    Your customers are more likely to commit and commit faster with early realistic payment quoting, allowing the sales team to focus on building value in the deal.

    Builds Trust,
    Drives Loyalty:

    Customers appreciate the honesty and clarity, which builds trust in both the process and the dealership, accelerating the transaction and turning buyers into lifelong advocates.

    Stay in Control,
    Maximize Profits:

    You have full flexibility and control over your operations. No lock-ins, no hidden fees—just the freedom to grow your dealership your way.

  • Higher Productivity
    and Efficiency:

    By focusing on high-intent leads that are more likely to close, agents can handle more leads in less time and improve customer response times.

    Boosts
    Conversions:

    Offering more accurate, transparent, and personalized information upfront, significantly improves lead quality, browser-to-buyer conversions, and overall customer satisfaction.

    Better
    Follow-ups:

    Real-time, qualified payment quoting allows you to follow up more effectively with tailored information and personalized recommendations, rather than sending generic messages.

How Our Middleware for
Connected Retailing Works

  • Connected Retailing Fundable Deal Structures

    Fundable Deal Structures

    • Lender credit decision results are displayed instantly at the point of sale.
    • ‘The Deal” is matched to the best lender fundable program.
    • Final lender approved deal Includes all Dealer, OEM and Consumer incentives and rebates down to the rooftop and VIN.
    • Final deal Includes all taxes tied to the jurisdiction, your dealer specific fee structure – and dealer participation.
    • Without this data, you are calculatingapayment, but not thepayment for your customer.

  • Connected Retailing Submit to Desk

    Submit to Desking, DT or RO

    • Present qualified deal structures – matched to the best lender fundable program during negotiation – remotely or in-store.
    • Supports eContracting.
    • Send the entire credit application and lender matched, buyer approved ‘near final’ deal to desking for final adjustments and profit optimization.
    • Or send directly to DealerTrack or RouteOne.
    • Comply with all necessary regulations, including the Home Solicitation Sales Act, the Buyer’s Order, Retail Installment Sales Contract (RISC), Taxes, Lease Agreements, and more.

  • Connected Retailing Credit Enquiry

    Credit Inquiry

    • Configurable for soft credit pull pre-qualification and traditional hard credit pulls.
    • Omni-channel entry point
    • Instant credit decisions based on your defined credit criteria.
    • Customer uploads any required documentation; Adds co-buyers, references, etc. – in the secure Customer Gateway portal.
    • Consumer-submitted credit application and full credit file is parsed and filtered to determine credit, ability, stability and qualifications.
    • Debt-to-income (DTI), payment-to-income (PTI) and loan-to-value (LTV) ratios are calculated.

  • Connected Retailing Identity Verification

    Identity Verification

    • Digitally capture and export customer information to your CRM from any U.S. driver’s license.
    • In less than 10 seconds, forensically authenticate any government-issued ID document using the same technology used by Homeland Security.
    • Detect synthetic and true name fraud red flags by verifying the customers PII (including address, phone, email, and the individuals unique ID combination of Name, DoB & SS#).
    • Establish “proof of presence” to reduce the risk from consumer-not-present fraud tactics.

  • Connected Retailing Multi Lender Matching

    Multi-Lender Matching

    • Platform works with your existing lenders, and has options to add more, and accommodates a limitless number of programs, parameters, rules, guidelines – and credit tiers.
    • Match the customer and vehicle of choice with the right deal structure – matched to qualifying lender programs rates, terms, payments, advances, etc. – in seconds.
    • Selection displays multiple retail and lease deal structure scenarios matched to the customers qualifications.
    • Qualified payment grid displays 4 down payments and 4 terms for multiple lenders simultaneously.

  • Connected Retailing Payment Scenarios and Selections

    Payment Scenarios & Selection

    • DealMaker includes advanced credit filtering and calculation logic for all makes, all models, new and used, for all terms and all credit tiers.
    • Qualified lease or finance rate, term and payment quoting matches the vehicle (down to the Model ID/Trim #) and consumers full credit, ability and stability factors.
    • All rates and residuals are matched to your credit tier bands.
    • Includes underwriting, pricing, loan advance and stipulations simultaneously
    • Dealmaker lets you toggle between your lenders to structure the most profitable deal within the customer’s qualifications to each lender.

  • Connected Retailing Fundable Deal Structures

    Fundable Deal Structures

    • Lender credit decision results are displayed instantly at the point of sale.
    • ‘The Deal” is matched to the best lender fundable program.
    • Final lender approved deal Includes all Dealer, OEM and Consumer incentives and rebates down to the rooftop and VIN.
    • Final deal Includes all taxes tied to the jurisdiction, your dealer specific fee structure – and dealer participation.
    • Without this data, you are calculatingapayment, but not thepayment for your customer.

  • Connected Retailing Submit to Desk

    Submit to Desking, DT or RO

    • Present qualified deal structures – matched to the best lender fundable program during negotiation – remotely or in-store.
    • Supports eContracting.
    • Send the entire credit application and lender matched, buyer approved ‘near final’ deal to desking for final adjustments and profit optimization.
    • Or send directly to DealerTrack or RouteOne.
    • Comply with all necessary regulations, including the Home Solicitation Sales Act, the Buyer’s Order, Retail Installment Sales Contract (RISC), Taxes, Lease Agreements, and more.

  • Connected Retailing Credit Enquiry

    Credit Inquiry

    • Configurable for soft credit pull pre-qualification and traditional hard credit pulls.
    • Omni-channel entry point
    • Instant credit decisions based on your defined credit criteria.
    • Customer uploads any required documentation; Adds co-buyers, references, etc. – in the secure Customer Gateway portal.
    • Consumer-submitted credit application and full credit file is parsed and filtered to determine credit, ability, stability and qualifications.
    • Debt-to-income (DTI), payment-to-income (PTI) and loan-to-value (LTV) ratios are calculated.

  • Connected Retailing Identity Verification

    Identity Verification

    • Digitally capture and export customer information to your CRM from any U.S. driver’s license.
    • In less than 10 seconds, forensically authenticate any government-issued ID document using the same technology used by Homeland Security.
    • Detect synthetic and true name fraud red flags by verifying the customers PII (including address, phone, email, and the individuals unique ID combination of Name, DoB & SS#).
    • Establish “proof of presence” to reduce the risk from consumer-not-present fraud tactics.

CONNECT WITH AN EXPERT

Frequently Asked Questions