The intelligent operating system
for dealership F&I.
AiF&I plays offense inside the store. One AI-powered platform built to replace the 5 to 8 fragmented systems an F&I office runs today, unifying deal structuring, compliance, and performance in one place, with a real human-in-the-loop F&I manager always in command.
The F&I office runs on fragments.
A typical F&I manager works across 5 to 8 disconnected systems layered on top of the dealership's systems of record: the DMS, the credit networks, the menu system, the product providers, and the compliance checklist. Every handoff between them costs time, and every gap between them creates risk.
AiF&I is built to integrate with the systems the store already runs on, including DMS platforms such as CDK Global, Reynolds & Reynolds, and Tekion, credit networks such as Dealertrack, and compliance platforms such as ComplyAuto. These are integration targets. None is a partner, a certification, or a completed integration. It is built to replace the fragmented workflow layer that sits on top of those systems, and the systems themselves stay in place. The design goal is one canvas for the whole deal.
Five agents. One intelligence layer.
One professional in charge.
Staff approves before anything is final.
Each agent is built to handle a specific job the F&I manager does today, and to show its work with its reasoning attached. Every recommendation has to be one the professional can explain to the customer across the desk.
Deal Architect
Structures financing in real time: terms, products, and payment options matched to the customer, the OEM, and the lender that just approved them.
Compliance Guardian
Watches every disclosure inside the workflow, with stage-by-stage compliance gating across credit, OFAC, Red Flags, FTC UDAP, and state requirements.
Rate Aggregator
Shows lender status across the deal in one view. There is no automated routing and no automated matching. Staff decide, and every credit decision stays human.
Performance Coach
Lifts the whole team, with per-deal coaching drawn from the dealership's own playbook and surfaced before the manager walks into the box.
Customer Advocate
The trusted interface layer for the customer, and the only agent the customer meets. A dealership-branded avatar reads the person in front of it and adjusts language, pace, and depth of explanation to match, so each customer gets a presentation built around them. The F&I manager launches the session, supervises it, and is always one tap away.
The room upstairs earns real money.
Prototyped, with the architecture phase under way.
AiF&I is prototyped in React on JSON data files, with the architecture phase under way. The three product areas, the F&I Desk, the Admin Portal, and the Customer Advocate, are shown here as product concepts. The MPI video scoring tool is live at Atlantic Kia, the store Marina and Nick operate. Nothing is in production; production launches are what the round funds.
- The Dealer's Concierge is the distribution channel; rooftops introduced through it are channel-reported and not contracted
- Engineering is led in house by a partner of the firm with deep enterprise AI and SaaS experience
- Gated white paper and regulatory brief available on the product site
The product site has the full tour.
Platform walkthrough, the white paper on why F&I is broken, and the 2026 regulatory brief.