For dealership F&I teamsThe gross didn't disappear.
It never got turned over.
Phone and email deals close without the F&I interview, so the products never get presented. FNi+ runs the turnover inside the credit application itself, then hands your Finance Manager the deal warm.
In the store, the deal gets turned over. On the phone, nobody makes the walk.
Remote deals aren't the future. They're your Tuesday. The credit application just never caught up.
Every remote deal starts from zero.
The static PDF captures fields and figures. It tells you nothing about what the buyer actually wants.
Every remote conversation starts from zero. No signals, no preparation, just guesswork on the phone.
On remote deals, product conversations get skipped and backend gross quietly walks out the door.
One flow. Four things your credit app has never done.
The products aren't being rejected. They're not being presented.
Digital Credit Application
A mobile-first, secure credit app your FM sends in 30 seconds, opened with an SMS PIN and, on Intelligence, an ID and selfie check. No more static PDFs.
Product Education and Interest Capture
Buyers learn about the products that fit their situation and tell you what they want, before you call.
Warranty Gap Visualization
A clear picture of where factory coverage ends and loan payments continue. No pitch, just clarity.
FM Dashboard Intelligence
Deal status, product interest summaries, and the top six lenders by dealer payout across three financing scenarios.
Thirty seconds to send. Then you call with data, not guesses.
FNi+ consoleBuyer signalsWatch a deal come together, from first link to complete package.
The whole journey in one continuous story: the buyer applies from anywhere, the platform assembles the package, and your F&I office walks into the conversation prepared.
The buyer sees exactly where coverage stops and payments keep going.
Factory coverage on one line, the loan term on the other. The exposed months speak for themselves, so your FM never has to push.
Every remote deal, its signals, and the lenders that fit. One screen.
DealsLakeside MotorsIntelligence tierKnow how hard they leaned in, before you pick up the phone.
Every tap, pause, and re-read becomes a signal. FNi+ scores the buyer's engagement, ranks their product interest, and flags where they hesitated.
Built to make great Finance Managers even better.
FNi+ hands your FM the buyer's interest signals before the call, so they walk in warm on deals that used to close cold. A tool for the expert, not a scoreboard.
White-label, start to finish. Your brand, your buyer, your experience.
The buyer sees your dealership throughout. Your name, your colors, your store. FNi+ stays invisible.
Send in thirty seconds. Nothing to re-key, nobody to chase.
No DMS integration project. No IT ticket. No new selling script and no menu software to learn. Your FM keeps their process and gets better information to run it with.
Paste the VIN and the year, make, model, trim, and EV flag fill in on their own. Transcription errors stop being possible.
Progress saves on every step. A buyer can quit at the kitchen table and pick up days later from the same link, greeted by name at the exact step they left.
Their own secure link, their own verification, their own signature, on their own device. Not a second PDF emailed into the void.
The same branded flow on a lobby tablet behind a one-time PIN, with automatic session wipe for a shared device. Included on every plan.
Real amortization against a compound return, with a break-even solver and a printable summary in your branding for the customer to take home.
The lender gets a clean Bank Application. Your FM keeps the Prep Sheet with the payout scenarios and interest meters. Profit intelligence never reaches the lender's copy.
See what FNi+ is worth for your store.
What your current credit app doesn't do.
FNi+You just estimated. Once you're live, we stop estimating.
Every delivery gets closed out in FNi+: which products sold, which were declined, and why. That turns into one number no vendor can hand you on a slide, your close rate on app-warmed deals against your cold ones.
A PIN proves they have the phone. It does not prove they are the person.
On a remote deal the licence never crosses your desk. FNi+ confirms your buyer is who they say they are, inside the application they already opened: a photo of their government-issued ID, a selfie, and a match between the two. Your finance manager sees the result on the deal, and a dealer-branded record goes in the file. Part of the Intelligence plan.
One check, from the consent screen to the record in your deal file.
The check sits at the start of the credit application, on the buyer's own phone, on a co-applicant's own link, or on the tablet in your showroom. They photograph their ID and take a selfie, then keep filling out the application while the result comes back. Name and date of birth read off the document fill the fields they have not typed yet, and anything they already typed is left exactly as they typed it.
Your finance manager can send a dealer-branded verification email straight from the dashboard, with no credit application behind it. One use per link, and the panel shows you it was delivered.
One plain status, the fields where what the buyer typed and what the document says disagree, and one next step when a check does not pass. A check that does not pass reads neutral, never as an alarm.
A record for the deal file
Every completed check produces a dealer-branded Identity Verification Record: which checks ran, what each one returned, and the consent the buyer accepted, with a date and time on it. Print it for the file, keep it, and produce it when asked.
Provable evidence your products were presented.
Canada's privacy commissioner has already found a dealership in breach for running a credit check without documented consent.3 A PDF cannot answer that. FNi+ records the exact legal text each buyer accepted, cryptographically hashed, with a timestamp on every consent and the signed copy archived.
We would rather be checkable than impressive.
Every figure we publish carries its primary source and its date. Where a number is a dealer survey, an estimate, or vendor data, we say so. Where no credible number exists, we do not invent one.
One price. One platform. Every remote deal, enriched.
Flat monthly subscription per rooftop. No per deal charges, no percentage of your backend, no long term contract.
Everything you need to digitize your F&I workflow.
Standard, plus what the buyer did before you called.
Questions dealers ask us
Implementation takes less than a week. We configure your dealership branding, import your bank rate sheets, and train your F&I team on the dashboard. Stores can be live in as early as 2 business days.
See FNi+ with your dealership's branding.
Fifteen minutes. We'll show you the full flow.