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.

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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Middleware
for Connected
Retailing

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.

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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.

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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.

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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.

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

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.

How Our Middleware for
Connected Retailing Works

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.
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.
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.
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.
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.
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.

CONNECT WITH AN EXPERT

Frequently Asked Questions

How does the middleware solution impact our control over pricing and deal structuring?

Our middleware solution is designed to enhance control, not take it away. As a vendor-neutral platform, it allows you to set all pricing and financing terms according to your dealership’s specific guidelines. You retain full control over the parameters, ensuring that the figures shown to customers are accurate and aligned with your profit goals. The platform simply makes it easier to offer these numbers consistently across online and in-store buying scenarios, minimizing any discrepancies and allowing for “penny-perfect” pricing that builds customer trust.

Will this middleware solution require us to overhaul our existing systems?

No. Our platform is designed to integrate seamlessly with the systems you already use, including CRM, DMS, and F&I platforms. It serves as a bridge that connects your current software, allowing you to provide a cohesive experience for customers without needing to replace or overhaul any existing technology. The goal is to leverage your current investments, not disrupt them. Our team will work closely with you to ensure a smooth integration with minimal downtime and no disruption to your daily operations.

How will this solution affect our ability to upsell F&I products, which are an important revenue stream?

The middleware is specifically designed to support and enhance your F&I sales, not replace them. It offers options to configure and display finance, warranty, and insurance products during the customer’s journey. This means customers see personalized offers that fit their financial profiles, making it easier to present relevant add-ons. The platform can help you streamline the F&I process, improve upsell consistency, and give customers a clear picture of what’s available, which can boost both online and in-store conversions.

How does this solution ensure data security and protect our dealership’s customer information?

Data security is our top priority, and our middleware platform employs industry-leading SOC-2 certification and other security protocols to safeguard your dealership’s and customers’ information. All data is encrypted and stored securely, ensuring compliance with the latest data protection standards. Additionally, as a vendor-neutral solution, we never share or use your data. You retain full ownership and control over all customer data generated through the platform, providing peace of mind that your information is secure and accessible only to authorized personnel.

What if we want to customize the digital buying experience to fit our brand and in-store processes?

Customization is a core benefit of our middleware solution. You can tailor the digital buying experience to reflect your dealership’s brand, values, and sales process. From branding elements like logos and color schemes to personalized messaging and F&I offerings, the platform can be customized to match your dealership’s unique approach. Additionally, the solution is flexible enough to accommodate different sales strategies, allowing you to strike the right balance between automation and personal engagement that fits your dealership’s culture and customer expectations.