Finance & F&I Processing

Cut the hours finance managers spend chasing credit decisions and assembling deal jackets by automating the full F&I workflow.

155 hrs

Time saved/month

Companies have mapped

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About This Automation

Finance and F&I processing at used car dealerships involves manually pulling credit reports, shopping rates across multiple lenders, assembling compliance documents, and tracking deal status.

Automation pulls credit data directly from bureaus, queries lender APIs for rate quotes, selects the best lender automatically, and generates compliant documents pre-populated with customer and deal details. Deals move from request to signature-ready in minutes instead of hours.

Key features

Query credit bureaus automatically and evaluate customer eligibility against lender criteria

Retrieve rate quotes from multiple lenders in parallel and select the best option based on dealership margins

Generate and populate all required compliance documents, disclosures, and loan agreements from a single data entry

Track deal status and document signatures in a centralized system with audit trails

Route exceptions and missing information to the finance team for manual review and approval

How The Automation Works

The full workflow, from trigger to completion.

1. Finance Request Receivedtrigger

Customer selects finance option and sales staff submits request with customer details and vehicle information.

2. Pull Credit and Validate

Automation queries credit bureau API, retrieves credit score and history, and validates customer eligibility against lender criteria.

3. Shop Rates Across Lenders

Automation submits customer profile to multiple lender APIs in parallel, collects rate quotes, and ranks them by APR and terms.

4. Select Best Rate

Reviews ranked quotes and lender terms, applies dealership margin rules, and selects the optimal lender and rate.

5. Generate and Populate Documents

Automation populates compliance templates with customer and deal data, generates final PDFs, and prepares them for signature.

6. Send for E-Signature

Automation sends documents to customer, tracks signature status, and notifies finance manager when signed.

7. Confirm Lender Pre-Approval

Automation submits final documents to lender API, confirms pre-approval status, and logs funding timeline.

8. Notify Sales and Archive

Automation sends deal summary to sales staff, archives signed documents, and updates deal status.

4 reasons to map this process

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You get a complete build plan

A visual process map, automation spec, delivery timelines, and everything needed to build it, customized to your workflow and tools.

You see your real numbers

Custom pricing, ROI projection, and payback timeline based on your actual process, not industry averages.

There's no obligation to build

45 hrssaved/month

30times mapped

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Frequently asked questions

Everything you need to know before mapping this process.

My process is slightly different from this. Can I customize it?

This template is a starting point based on how other businesses handle this type of work. When you map your process, you describe exactly how your team does it and the automation is built around your workflow, not a generic template.

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Does this work with the tools my team already uses?

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Estimated Time Saving

155hrs/month

Process pain:8.2/10

Mapped by:8 Companies

Map this to your business to get your exact numbers.

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