Unify your F&I operation. One platform. Faster deals, better compliance, higher profits. AiF&I replaces 5 to 8 fragmented F&I systems with one AI-powered platform. Built by dealers, for dealers.
Every dealership runs F&I on 5 to 8 disconnected systems, manual paperwork, and tribal knowledge that walks out the door with whoever is holding it. Fifty-two percent of dealers report more than four solutions in the front office alone (CDK 2026 Friction Points Study). The result is leaked revenue, slow deals, frustrated customers, and a compliance record nobody can produce on demand.
Per dealership in admin overhead, redundant data entry, and rework across the 5 to 8 disconnected F&I systems most stores juggle daily.
Shoppers waiting 15 to 30 minutes for the F&I manager scored +28. Past an hour it went to -22. That is a 50-point swing, and it follows the customer into service and OEM standing. CDK 2026 Friction Points Study, pp. 18-19.
The April 2026 FTC and Maryland AG settlement with Lindsay Automotive Group: a $3.1M civil penalty to Maryland plus full refunds to eligible consumers, who were charged more than $75M between April 2020 and December 2025. California SB 766 is operative October 1, 2026. Executives are being named personally in complaints.
Twenty-three pages on what changed in 2026, what is still scheduled before year end, and a nine-item plan any rooftop can run. Written for operators, not lawyers. Every figure carries a source.
AiF&I unifies deal structuring, compliance, and performance into one intelligent surface, with a real human-in-the-loop F&I manager always in command. Built around the people who actually run the floor.
Stage-by-stage deal jacket with live compliance gating. Kai surfaces menu suggestions matched to the customer, the OEM, and the lender that just approved them.
PVR per manager. Penetration by product. Compliance gates, exception queues, and reporting that answers the question in plain English.
The proprietary RAG layer. Handbooks, talk tracks, lender rate sheets, state disclosure requirements, and live deal data, all available to every agent in the platform.
Five specialized agents (Deal Architect, Compliance Guardian, Rate Aggregator, Performance Coach, Customer Advocate) coordinated by the Dealer Brain, with sliders for assertiveness, PVR optimization, and customer sensitivity. Staff approves before anything is final. Every store runs differently. So does Kai.
Real-time PVR with peer benchmarks. Lender mix recommendations. Per-deal coaching grounded in what actually works for the customer in front of them.
The F&I office is consistently the lowest-rated stop in the customer journey, and the wait-time curve is why. AiF&I puts a dedicated agent on the customer's side: a dealership-branded avatar that reads the person in front of it and adapts language, pace, and depth of explanation to match. Your F&I manager supervises every session, one tap away.
The customer picks the payment target and the pace. The Advocate builds the presentation around both.
Menu options and federal and state disclosures explained inline, in their language, at their depth. Nothing buried in a packet.
Every decision documented as it happens. A process designed to lift CSI, raise penetration, and cut chargebacks.
AiF&I has not published pilot results, so this is not a projection of what the platform returns. It is what the published research says is sitting in an average F&I department, with the source on every line.
We build the model with you, from your unit volume, your current PVR, your software spend, and your headcount. Every input carries a named source, and we show you where each one comes from.
Built by dealers, for dealers. The Letsios family didn't study this market. They ran it. More than fifty years of automotive retail experience between them, twenty-two of Marina's at the F&I desk. Every system AiF&I replaces, they've used.
Real-time deal structuring, cross-lender rate comparison, and AI-tailored menus lift PVR on every deal. Higher penetration. Higher conversion. More profit per vehicle.
Continuous monitoring, disclosure tracking, and a deal record built to be produced on demand. Recent FTC enforcement has reached full refunds on more than $75M in charges at a single group, with individuals named personally alongside the entity. AiF&I is built so the record exists before anyone asks for it.
Your team performs whether the star is in the seat or not. The Dealer Brain captures institutional knowledge so expertise stays with the dealership when people change. Turnover stops hurting.
Pre-trained on F&I best practices. Modern architecture designed to integrate with existing DMS, credit platforms, and compliance tools. Phased rollout matched to dealership readiness.
Deal Architect, Compliance Guardian, Rate Aggregator, Performance Coach, and the customer-facing Customer Advocate work together under the Dealer Brain. Specialized AI for each part of the deal, coordinated as one layer. Staff approves before anything is final.
One contract instead of eight. Pricing tools, compliance monitors, deal coordinators, document generators, and lender portals consolidated into a single AI-powered platform that keeps the data clean.
Cold outreach into a dealer group is slow and expensive work. AiF&I goes to market through The Dealer's Concierge, a compliance and sales-process platform already deployed in dealerships and already trusted by the people who would have to say yes.
Marina and Nick didn't study this market. They ran it. Twenty-two years at the F&I desk. More than thirty across multiple dealer rooftops. Every system AiF&I replaces, they've used. Every audit it automates, they've sat through. Every customer it serves, they've sat across from.
The room next to the showroom drives a third of dealership profit and runs on tools that haven't changed in twenty years. Read the AiF&I take on what's breaking, what good looks like, and how the right kind of AI gives F&I managers a fair fight.
The design partner program is forming, with The Dealer's Concierge as our distribution channel into the dealer market. Join the waitlist to shape AiF&I before general availability.
