Every deal, pre-structured. Every lender, pre-matched. Every stip, pre-cleared.
F&I Copilot is Pitlane's finance and insurance agent. It scores each buyer against your lender panel, pre-structures the backend menu against tier and payment tolerance, flags stipulations before the deal jacket lands on the F&I manager's desk, and defends reserve on every contract.
Free 14-day pilot · No DMS switch · Live in a week.
A repeatable loop, not a one-off script.
- 1
Score
Reads credit tier, DTI, LTV, PTI and the shopper's stated payment tolerance from the deal jacket.
- 2
Match
Ranks your lender panel by approval odds, buy rate, advance, and stip friction — not just rate.
- 3
Structure
Pre-builds the backend menu: VSC term, GAP, prepaid maintenance, tire & wheel — priced to preserve payment target.
- 4
Clear stips
Flags missing paystubs, proof of residence, and insurance BEFORE the F&I manager opens the deal.
What it reads, how it thinks, what it ships.
- Deal jacket: vehicle, price, trade, cash down, term preference
- Credit bureau tier, FICO, DTI, and open trade lines
- Active lender panel with live buy-rates, advances, and program bulletins
- Backend product cost cards (VSC, GAP, PPM, T&W, appearance)
- State reg caps: reserve, doc fee, GAP price ceilings
- Ranks lenders by expected approval × reserve × stip friction
- Solves backend menu against buyer's payment tolerance, not sticker
- Never exceeds state reserve caps or lender max markups
- Escalates edge cases (deep sub-prime, thin-file, foreign national) to a human
- Suppresses products the buyer has declined in a prior deal
- Ranked lender list with expected buy rate, advance, and stips
- Pre-built 4-column menu at the payment target
- Stipulation checklist attached to the deal jacket
- Reserve-protected sell rate with compliance headroom
- F&I manager brief: approvals, risks, and the recommended path
A real recommendation, not a dashboard to hunt through.
Every run posts a decision-ready card to your Command Center — with the math shown, the writeback pre-wired, and a one-tap path to approve, edit, or hold.
- Recommended lender
- AHFC · buy 7.24% · 84% approval odds
- Backup lender
- Ally · buy 7.49% · needs POI stip
- Sell rate (reserve-safe)
- 8.99% · +175 bps · $1,412 reserve
- Backend menu (target col)
- VSC 72/75k + GAP + PPM · $71/mo
- Stips to clear
- POI (30d paystub) · POR (utility bill)
- Projected backend PVR
- $1,840 (baseline $1,428)
Named plays, on a schedule you set.
First-pencil lender match
Payment-solved menu
Stip pre-clear
Reserve defense
Connect your desking tool and lender panel — F&I Copilot pre-solves every deal in the queue before your first producer clocks in.
Lender-panel aware
Reads live buy-rates, advances, and program bulletins from every lender you're signed with — not a stale rate sheet.
4-column menu, pre-built
Delivers a payment-solved menu to the F&I manager — Platinum / Gold / Silver / Base — with product costs and pack respected.
Stip pre-clear via SMS
Requests paystubs, proof of residence, and insurance from the buyer before they sit down — deals close, not stall.
Reserve protection
Every recommended sell rate stays inside state caps and lender max markups, with the reserve dollar impact called out.
“F&I Copilot doesn't replace my producers — it hands them a pre-solved deal. They walk into the box with the lender picked, the menu built, and the stips already requested. PVR is up, time-in-box is down.”
Grab the F&I · Copilot one-pager.
A single page you can forward to your GM, dealer principal, or ops lead — the workflow, the math, and the outcomes on one sheet.
- Inputs, reasoning, outputs
- Sample recommendation card
- Named playbooks & outcomes
The questions dealers ask us first.
Does it replace my F&I manager?+
No. It hands your F&I manager a pre-solved deal — lender ranked, menu structured, stips cleared. The manager still runs the presentation and signs the paper.
Which DMS/desking tools does it write back to?+
RouteOne and Dealertrack for lender submission today; CDK Elead and VinSolutions Desking for menu writeback in the same pattern as our pricing writebacks.
How does it stay compliant?+
Every recommendation respects state reserve caps, lender max markups, doc-fee ceilings, and GAP price limits. OFAC, Red Flags, and adverse-action logic run on every deal with a full audit trail.
Can it work with our current lender panel?+
Yes — bring your existing panel. It reads live buy-rates and program bulletins per lender, so recommendations reflect what you're actually contracted for today.
Turn F&I from a bottleneck into a compounding profit lane.
Connect your desking tool and lender panel — F&I Copilot pre-solves every deal in the queue before your first producer clocks in.