eLEND Product Logo_DealMaker

Automotive Digital Finance for Digital Retailing.

Get to a more profitable, penny-perfect, lender fundable contract - online or at the sales desk - in seconds.

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What is DealMaker?

DealMaker is a Digital Finance platform - used as a showroom pre-desking tool and/or online plug-in - powered by a finance decision engine - returning a penny-perfect, fundable contract at the desk or BDC - in seconds.

What is DealMaker?

DealMaker is a Digital Finance platform - used as a showroom pre-desking tool and/or online plug-in - powered by a finance decision engine - returning a penny-perfect, fundable contract at the desk or BDC - in seconds.

Dealer Advantages

(Benefits)

Structures More Profitable Deals…Faster.

Digital finance technology replaces basic online payment calculator tools and the educated guesswork used by most desk managers.

Improves First Pencil Closing Ratios

Quoting credit and vehicle qualified rate, term and payment options - matched to the dealer's lender programs – reduces friction during the negotiation leading to fewer rehashes/defections.

‘Credit First’ Helps Hold Deal Gross

Establishing realistic payment expectations upfront helps dealers hold gross during the negotiation - and know what the finance participation is going to be.

Increases Finance Penetration

Dealers have a built-in competitive advantage over most direct financing options. Finance penetration increases when finance gets involved upfront in the deal - digitally or otherwise.

Reduces the Time Spent in F&I

Presenting qualified deal structures - matched to the best lender fundable program during negotiation means fewer deal unwinds and rewrites and no lender decision to wait on.

Increased PVR

Improving the speed and quality of the customers transition from Sales to F&I ultimately enhances product penetration and profitability - and creates more time to handle more deliveries.

Faster Funding / Improved Cash Flow

Logic, rules-based decision engine reduces lender declines and counter offers, positively impacting contracts in transit and cash flow.

Amazing Buying Experience

Early realistic payment quoting, frictionless and transparent negotiation, and faster transitions to and through Finance are significant drivers of customer satisfaction and loyalty.

Amazing Buying Experience

Early realistic payment quoting, frictionless and transparent negotiation, and faster transitions to and through Finance are significant drivers of customer satisfaction and loyalty.

Advantages for a GM/GSM:

  • Connected Workflows: Online to in-store work flows include direct integrations with all CRM platforms, DealerTrack and RouteOne. Vendor neutral platform is compatible with your existing platforms and requires no switching costs.

  • Speed and Simplicity: The simplified, faster moving deal flow reduces transaction times which has a positive impact on customer satisfaction.

  • Profitability: Multi-scenario deal calculator finds the options that provide every customer with real choices and maximize PVR for your dealership.

Advantages for F&I:

  • More Time: Qualified lender program matching means faster approvals, cleaner funding, and reduced rewrites and unwinds - leaving more time to sell and handle more deliveries.

  • Accountability: Standardized, compliant payment quoting process and a consistent method to log how exceptions were cleared.

  • Silo Buster: Starting sales and finance at the same time eliminates the sloppy handoffs and insures money is left in the deal for F&I product sales.

How It Works

Buyer Profile Summary Page

  • Single dashboard view for the sales desk and/or the BDC.
  • Provides summary and detail views of the customers ability, stability and credit attributes along with 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-Scenario Deal Calculator

  • Compare multiple retail and lease deal structure scenarios side-by-side.
  • 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.

Lender Program Details

  • 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.
  • Clicking the 60-month payment displays additional terms such as Standard mark-up fee.
  • Select Rollback or View for more lender guidelines.

Adaptive Rollback

  • Rollback functionality allows dealers to work the 4-square simultaneously across all (5) deal attributes, not one attribute at a time.
  • Multiple simultaneous options re-calculates other fields on the fly matched to the lender guidelines.
  • Logic keeps the ‘updated’ deal within the lenders’ underwriting and advance guidelines.

Rules-Based Engine

  • More Lender guidelines expand the deal structuring fields and displays the full rate sheet guidelines matched to the deal and the consumer qualifications.
  • Red flags are displayed when deal structure changes exceed Lender Rate Sheet pricing and guidelines.

Connected Workflows

  • Track sent credit apps and decision responses with lenders matched to your qualified deal structures during the negotiation process.
  • Printable worksheet can be used during the negotiation for the customer to self-select qualified payment option preferences.
  • Send the entire credit application and qualified, matched deal structure to RouteOne or DealerTrack. 
  • Having final terms of approval from lenders before the customer reaches the finance office enables F&I more time to sell finance and protection products - and handle more deliveries.

Is Digital Finance Right for You?

Do your philosophies, strategies, structure and goals position your dealership well for digital finance and digital retailing success? See for yourself.

Other Things to Know

(Features)

The Real Deal

A vehicle and credit qualified, penny-perfect, deal structure matched to a waterfall of lender programs (including pricing, underwriting and loan advance guidelines) + all applicable taxes (state, county, local) + dealer specific fee structure + and all levels of dealer participation.

Process Streamlining

API interfaces and bilateral API's enable a single dashboard view of all the deal inputs, eliminating switching between multiple systems and screens.

Process Streamlining

API interfaces and bilateral API's enable a single dashboard view of all the deal inputs, eliminating switching between multiple systems and screens.

Quickly Structure All Deal Types

Supports loans, leases and balloon notes, full credit spectrum loan programs, etc. Engine supports an infinite number of lenders, credit tiers, lender pricing, underwriting & advance guidelines.

Multi-Scenario Deal Calculator

Compare multiple retail and lease deal structure scenarios side-by-side to find the options that provide every customer with real choices and maximize PVR for your dealership.

Adaptive

Rollback functionality allows dealers to work the 4-square simultaneously across all (5) deal attributes, not one attribute at a time. Logic keeps the ‘updated’ deal within the lenders’ underwriting and advance guidelines.

Vehicle Qualified

Qualifies the vehicle (all makes/all models, new/used) down to the Model ID/Trim level at each rate and term matched to lender underwriting and advance guidelines.

Consumer Qualified

Qualifies based on the full credit profile (not selective attributes), including all ability (income) and stability (employment/residence) factors.

Incentives

Includes all Dealer, OEM and Consumer incentives and rebates down to the rooftop and VIN - including their compatibility and “stackability” rules.

Incentives

Includes all Dealer, OEM and Consumer incentives and rebates down to the rooftop and VIN - including their compatibility and “stackability” rules.

Ready to get started with a free consultation call?

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Ready now? Call 866.885.5319