Lender Solutions
for Connected Retailing

  • Get upfront access to more shoppers.
  • Improve conversions with better customer matching.
  • Grow your portfolio without any of the complexity.
CONNECT WITH AN EXPERT

Challenges to Growing Your Auto Loan Portfolio

Building and Maintaining Strong Relationships

Building trust with dealers takes time and dealerships often already have established relationships with preferred lenders, making it difficult  to break through.

Operational Complexity and Costs

Compressed profit margins and high operational complexity driving up costs makes it difficult to grow and scale profitably.

Poor Conversions and High Competition

Low conversion rates due to high competition, uncompetitive loan terms, or a mismatch between borrower needs and loan offerings limit portfolio growth and efficiency.

Changing when and how the shopper is introduced to qualified payment options and funding scenarios creates new growth and profit opportunities for lenders.

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Changing when and how the shopper is introduced to qualified payment options and funding scenarios creates new growth and profit opportunities for lenders.

Get Started

Advantages & Benefits

Pre-desking innovation gives lenders a strategic advantage in capturing more loans,
reducing risk, and simplifying operations—all while minimizing the complexity
that often accompanies the indirect lending process.

Minimized Complexity and Costs

DealMaker’s finance decision engine technology automates underwriting and streamlines processes, reducing manual interventions and lowering costs while maintaining competitiveness.

Increased Loan Origination Opportunities

Pole position access to more shoppers early in the sales and finance process and reduced competition will boost loan origination volume. 

Improved Look-to-Book Ratios

Early engagement and better customer matching simplifies risk management, improves competitiveness and accelerates approvals - all leading to high conversion rates.

Why Choose eLEND Solutions?

Our approach and vendor agnostic platform is architected to be an industry solution that
powers transactional payment quoting for all deal types and buying scenarios – with capabilities
that are superior to all other available ‘digital finance’ or ‘digital retailing’ solutions.

Expertise

With 180 years of combined expertise in automotive, finance, and technology, we’ve processed millions of credit applications for thousands of dealers.  We are a certified partner with all credit repositories, have access to raw credit data, have the technical capabilities to parse the data and have the required compliance and security certifications to do it.

Technology

Rules-based finance decision engine accommodates a limitless number of lenders, programs, parameters, rules, guidelines and credit tiers for precise lender matched finance scenarios qualified to your dynamic loan pricing models and programs - in seconds.

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. Includes pricing adjustments.

How DealMaker Works

DealMaker, our vendor neutral, API enabled digital finance pre-desking platform
provides every customer with lender matched payment options and
fundable deal structures at the point of sale, online and in-store.

See How DealMaker Works for Dealers

  • Lender Gateway Finance

    Moves Lenders to the front of the Vehicle Purchase Process.

    • DealMaker enables Dealers to quote real, lender qualified rate, term and payment options at the front of the customer shopping/buying journey.  
    • The rules-based engine, is likened to an Auto Lenders Origination System’s (LOS) decision engine built into the dealer’s dashboard.

  • Lender Payment Grid

    Lender Payment Grid

    • The Lender Payment Grid within the dealer dashboard displays a grid of consumer qualified payments by lender for each term, down payment and interest rate. 
    • The payment grid can adjust down payments, terms and toggle between lowest payment and maximum dealer participation.
    • The Payment Grid terms is interactive within the customer gateway and sales agent tools.

  • Lender Program Match

    Lender Program Match

    •  DealMaker’s Pricing Engine powers pricing adjustments to Lender’s dynamic consumer tiered pricing within the desking tool.
    • Lender pricing modifiers, underwriting guidelines, dealer participation etc., are built into the pricing engine.

  • Lender Qualified Terms

    Customer Qualified Payment Terms Request

    • Through the Customer Gateway tool, consumer selected lender qualified payment term requests are displayed within dealer dashboard desking tool.
    • Dealers can accept consumer payment terms requests, negotiate deal and make new offers interactively with consumers remotely or in-store at the front of the sales process.

  • Lender Real Time Decisions

    Real Time Lender Decision

    • Auto Push with Route One enables deals to be sent directly to lenders and receive automated loan decisions within the desking tool. 
    • The Dealers can 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.

  • Lender Sales Tools

    Improved Efficiencies for Lenders

    • Improves look-to book ratios with more automated approvals with fewer declines and counter offers and unwinds.
    • Significantly reduces time to get deals financed, resulting in lower origination costs, better managed risk with improved portfolio performance.
    • Enhances relationships with dealers, reducing frictions during the sales and finance negotiation process – leading to faster, more profitably structured deals and higher closing ratios.