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THE PRODUCT

Run Co-Pilot, or run the whole platform under your name.

Pick the deployment that fits your strategy. Same product, two ways to win. Both plug into the deals you're running today, with no rip-and-replace and no new system to learn.

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Co-Pilot · Deal #4821 under 18 min
  • Identity verified 720 FICO
  • OFAC screen clear
  • Red Flags clear
  • Stips pre-flight 2 caught
  • Lenders ranked BofA +$64,249
Deal ready to fund clean, first pass
WHAT CO-PILOT DOES

Eight features. Three jobs. Working in your store.

Decisioning

AI lender decisioning

Three ranked deal options with the math on each, in about 30 seconds. Credit, deal structure, dealer agreements, and recent decisioning history all factor in. Your F&I manager picks.

AI desk manager

Real-time deal structuring with policy guardrails, so every desk decision stays inside the lines you set.

Stipulation pre-flight

Catches 50 common kick patterns before the deal is submitted, so approvals come back clean the first time.

Compliance

Automated Red Flags & OFAC

Direct compliance checks run on every deal, no manual paperwork. Suspicious patterns are surfaced for human review, never auto-resolved.

Compliance ledger

A complete audit trail on every deal, with 10-year retention handled automatically.

Fair-lending dashboard

Flags disparate-impact patterns early, so you see them first.

State-law rules engine

49-state workflows updated centrally. Doc-fee caps, disclosure templates, and product approval checklists stay current per rooftop and per state.

Menu

Compliant AI menu

Personalized, plain-English product justifications for every menu presentation, so the back-end holds without the pushback.

WHAT THE RANKING LOOKS LIKE

Agent's pick

HIGHEST RESERVE

Bank of America

$64,249

reserve to the dealer

6% rate · +1 pt · most dealer profit

SAFEST APPROVAL

Ally

$58,000

reserve to the dealer

6.8% · +2 pts · best approval odds

CLEANEST DEAL

Wells Fargo

$42,000

reserve to the dealer

5.9% · no conditions · zero stips

Sample. Every number is explained, and your F&I manager makes the final call.

TWO WAYS TO BUY

Standalone speed, or the full platform.

Same product, two ways to run it. Start on one, grow into the other.

What you get Co-Pilot Standalone the fast path White-Label Platform the full play
Lifts F&I gross in your current workflow
Live in weeks, not months
Works alongside your website, CRM & DMS
Full customer journey, end to end
Branded entirely as you
All software included (site, retail, F&I, compliance)
Best for Dealers ready to lift F&I gross now Groups who want the full retail platform
THE BUYER EXPERIENCE

From browsing to keys in hand, one smooth ride.

Customers start online, finish in your store. You own every step.

  1. 1

    Online

    Pre-qualified before they walk in

  2. 2

    Configure

    Credit, trade, F&I, done online

  3. 3

    Store visit

    30-second briefing to your salesperson

  4. 4

    F&I

    Co-Pilot closes the deal fast

  5. 5

    After

    Memory, SMS, retention built in

WHY THIS MATTERS TO YOUR DEALERSHIP

The customer who pre-qualifies online walks in ready to buy. Less time per deal, less haggling, more closes per day. Your sales team gets a briefing. Your F&I manager gets a head start. Your customer leaves happy.

HOW IT FITS

Everything wired into Co-Pilot. The middlemen cut out.

One agent in the middle of the deal, connected direct to every system, without the vendor tolls.

DashAI

Co-Pilot

Credit bureaus

Direct, no vendor fee

Identity & OFAC

Built in, no vendor

Lenders

RouteOne + captives

E-contract

Your existing systems

DMS

Tekion + more

CRM

DriveCentric deal sync

Inventory feed

Direct, no middleman

Payoff data

Spinwheel, direct

Every system you already pay for: none of the vendor fees you don't need.

FAQ

Common product questions.

Tekion is connected today, and more DMS connections are on the near-term roadmap. The connection works without a rip-and-replace: Co-Pilot operates alongside the systems you already run.

Co-Pilot standalone is live in weeks, not months. It drops into your existing F&I workflow on a per-rooftop monthly subscription, and you keep everything you have already paid for.

The customer journey end to end, branded as you: website, digital retail, F&I, and compliance in one stack. Your customers see your name, not ours, from first click to signed contract. No separate licensing or vendor stack to manage.

Graceful degradation. Lender routing falls back to the next-ranked option and your F&I manager gets a heads-up in Co-Pilot. We never block a deal on a missing integration.

The dealer. We process customer data on your instructions. We do not sell it, share it for advertising, or use it to train models other customers see.

Those are lender networks. They route the credit app, but they do not decide which lenders to route to, in what order, or whether the stipulation set is likely to come back kicked. Co-Pilot sits above the network and handles the decisioning.

Start with Co-Pilot in your existing workflow and prove the numbers at one rooftop. When you are ready to own the full customer journey under your own brand, the white-label platform layers on without losing anything you have built.

See Co-Pilot on a real deal flow.

Book a 30-minute walkthrough on real deal flow from your last 60 days. No commitment, no salesy nonsense.

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