Digital Finance Solutions
for Connected Retailing

Quote lender fundable payment options at the desk or BDC - in seconds.
Enhance lead conversion with better personalization and fewer missed opportunities.
Improve profitability while boosting customer satisfaction, loyalty and referrals.

Digital finance solution combines pre-desking innovation and personalization to connect the dots between shopping and contracting - providing every customer with real, fundable payment scenarios at the point of sale, online and in-store - in seconds.

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Our Digital Finance Pre-Desking Solution

DealMaker

DealMaker is a transformative pre-desking platform - powered by a logic and rules based finance decision engine accommodating a limitless number of your lenders and their programs - providing every customer with transactable, lender-matched lease and finance scenarios prior to the F&I handoff.

Why Choose Us?

Unlimited Personalization

Technology provides lender-matched payment scenarios tailored to each customer's full credit profile, ability and stability factors, vehicle of choice, and budget.

Accuracy

Advanced credit filtering and calculation logic provides every customer with all-inclusive, fundable lease and finance calculations for ALL year, make, model, trim, option combinations - and all credit tiers.

Flexibility

Unifying API’s and almost endless configuration options - giving you the flexibility to determine what advantages and workflows work best for your strategy, your process, your brand and your customers.

Advantages & Benefits

Explore our specialized solutions that can help your company save time and money.

Maximized
Efficiency:

Automating early-stage deal structuring and eliminating bottlenecks creates more time for the team to do what they do best—building relationships and closing deals.

Expanded
Profit Opportunities:

Accurate, lender-qualified payment scenarios, frictionless negotiations and built-in F&I opportunities, ensures every deal maximizes front and back-end margins.

Loyalty-driven
Experience:

Personalized finance options and faster moving buying experiences have direct positive impacts on trust, customer satisfaction and loyalty.
Structures More
Profitable Deals… Faster:

Stop guessing! Pre-desking innovation replaces basic online payment estimator tools and the educated guesswork used by most desk managers.

Real Numbers,
Real Options:

DealMaker compares multiple retail and lease deal structure scenarios side-by-side to find the personalized options that provide every customer with real choices.

Higher Closing Ratios,
Faster Turns:

Quoting accurate, qualified numbers is a significant trust multiplier, reducing objections and hesitations – helping you and the customer come together much faster.
Make More Money:

Finance penetration and PVR increases when finance gets involved in the deal upfront – digitally or otherwise.

Boosts F&I Throughput:

Presenting qualified deal structures – matched to the best lender fundable program during negotiation means fewer deal unwinds and rewrites, creating more time to sell and handle more deliveries.

Risk Management:

Embedded regulatory safeguards ensure all payment scenarios are fully compliant, automates disclosure documentation and creates a digital audit trail.

How DealMaker Works

Credit First
- 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 interactive 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.
Buyer Profile Summary Page
- Single dashboard view for the sales desk and/or the BDC.
- Summary and detailed views of the customers’ ability, stability and credit attributes, qualified preferred terms, vehicle of interest, and trade-in information.
- Credit attributes are matched to grading tiers controlled by the dealer.
- Toggle between buyer and co-buyer snapshots.
Multi-Lender Deal Scenarios
- DealMaker displays multiple retail and lease deal structure scenarios.
- Qualified payment grid displays 4 down payments and 4 terms for multiple lenders simultaneously.
- Toggle between lowest payment and maximum dealer participation for each Lender for each down payment and term.
- Selection displays the best deal options from a waterfall of lender programs matched to the consumer qualifications in milliseconds.
Dynamic Deal Structuring
- 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 consumer full credit profile to a waterfall of lender programs.
- All rates and residuals are matched to your credit tier bands.
- Includes underwriting, pricing, loan advance and stipulations simultaneously.
Lender Program Matching
- Dealmaker lets you toggle between your lenders to structure the most profitable deal within the customer’s qualifications to each lender.
- Clicking the assigned lender displays details of matched consumer qualifications to the Lender’s program.
- Logic keeps the ‘updated’ deal within the lenders’ underwriting and advance guidelines.
- Red flags are displayed when deal structure changes exceed pricing, underwriting and advance guidelines.
The Real Deal Approved in Real Time
- 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.
Done Deal
- DealMaker desking provides digital presentation of the complete deal to remote consumers through the secure Customer Gateway portal.
- Digital presentation or printable worksheet can be used during the negotiation for the in-store customer.
- Track sent credit apps and decision responses with lenders matched to your qualified deal structures during the negotiation process.
- Send the entire credit application and lender matched, buyer approved ‘near final’ deal to desking for final adjustments and profit optimization or directly to DealerTrack or RouteOne – prior to the F&I handoff.

CONNECT WITH AN EXPERT

Is Pre-Desking Software Right for You?

Do your strategies, processes and goals position your dealership well for digital finance and connected retailing success?

Find Out Here

Frequently Asked Questions

Is DealMaker competitive or complementary with my Desking tool?

The pre-desking innovation complements your existing desking tool by simplifying and accelerating early deal structuring, providing lender-matched payment scenarios and ensuring compliance upfront. By the time the deal reaches your desking tool, most of the heavy lifting has been done, allowing your desking tool to focus on final adjustments and maximizing F&I profitability. Rather than competing, they work together to create a more efficient, profitable and customer-friendly process - without overlapping functions.

Will this tool integrate with our existing CRM, DMS and FMS platform?

Yes, the vendor neutral solution includes bi-lateral API’s designed to integrate seamlessly with your existing CRM, DMS, and FMS platforms. This ensures a unified workflow, so there’s no need to duplicate data entry or manually transfer information between systems. The integration streamlines operations and minimizes the risk of errors, keeping your sales process efficient and cohesive.

How will this solution handle hybrid (remote and in-store) buying scenarios?

This advanced pre-desking solution provides a seamless, integrated experience for both remote and in-store buyers. Customers can start the process online by viewing real, lender-qualified payment options tailored to their credit profile and preferences. When they visit the dealership, all their information and financing preferences are already in the system, eliminating redundant steps and significantly reducing the time to finalize deals. The result is a smoother, faster process that enhances customer satisfaction and operational efficiency.

How does this solution ensure compliance and reduce risk?

DealMaker incorporates lender-specific rules and automatically ensures that all payment options and deal structures comply with federal, state, and lender regulations. It also generates accurate, compliant disclosures for customers upfront, reducing the risk of legal or regulatory issues. Additionally, it maintains a detailed audit trail, making compliance reviews and reporting straightforward.

How will this solution improve our profitability?

By presenting customers with accurate, pre-qualified lender-matched financing scenarios early in the process, DealMaker increases deal clarity and trust, leading to higher closing rates.. It also enables your team to effectively present and upsell F&I products, maximizing back-end profit. The streamlined process reduces rehashing and defections, allowing your team to close more deals in less time, further boosting overall profitability.

What training and support are provided?

We are committed to your success. Personalized onboarding, setup and training are provided to ensure your team maximizes DealMakers potential for your dealership. Post set-up, live customer support is available, including after hours - to address any issues or questions that arise, minimizing downtime and ensuring a smooth transition to the new solution.
Support includes ongoing training, optimizations and best practice sharing.

Can we tailor the financing options, lender programs, and F&I product presentations?

Digital Finance Solutions
for Connected Retailing