AiF&I
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The platform

One platform.
End to end.

AiF&I unifies deal structuring, compliance, and performance into one intelligent surface. Four connected modules built to replace 5 to 8 fragmented systems, with a real human-in-the-loop F&I manager always in command.

01 · F&I Desk

Credit pull to funding, in one workspace.

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.

Live deal jacket with stage-by-stage compliance gating, credit, OFAC, Red Flags, FTC UDAP, state disclosures.
Menu suggestions with payment-impact math built in, VSC, GAP, maintenance, T&W priced to the deal.
Auto-generated disclosures for every state, NY Plain Language, CA TIL, Reg M, awaiting signature.
Per-deal coaching from your dealership's playbook, surfaced before you walk into the box.
app.aifandi.com/desk/workspace/4450 Open Workspace · Deal #4450 Jose Martinez · '24 Telluride EX · Total $48,200 · Last edit 14s ago by Kai Send to fund ✓ Credit ✓ Compliance Guardian Menu 4 Docs 5 Funding Deal Summary Perf. CoachJose Martinez Vehicle'24 Telluride EX Selling price$48,200 LenderCapital One APR · Term6.49% · 72 mo Base payment$612 / mo PVR · live$3,140 Target $2,800 · ▲ +12% above Reserve · split$1,965 VSC $750 · GAP $400 · PPM $815 Recommended Menu · Kai 3 of 4 selected Vehicle Service Contract · 7yr/100K $2,890 retail · +$48 / mo GAP Coverage $695 retail · +$12 / mo Pre-Paid Maintenance · 36 mo $1,295 retail · +$22 / mo Tire & Wheel Protection Pass · low fit confidence (37%) K Kai · Deal Architect Confidence: 92% SUGGESTED TALK TRACK "$82 a month covers the family for 7 years, that's less than your phone bill." COMPLIANCE All 6 NY disclosures generated OFAC: cleared at 09:48 AM Red Flags: cleared Apply Kai's full menu
Product concept. Design partner build in progress.
02 · Admin Portal

Run the floor from one screen.

PVR per manager. Penetration by product. Compliance gates, exception queues, and reporting that answers the question in plain English.

Real-time PVR by manager, product, OEM, and lender, surfaced as it happens.
Menu Builder with rate sheets, reserve splits, and per-OEM packages.
Compliance dashboard with exception queue, audit trails, and disclosure tracking.
Natural-language reporting, ask "how did F&I close last month vs. forecast" and get the answer.
app.aifandi.com/admin/reporting Reporting · November 2026 Month-to-date · all stores · all managers DEPARTMENT PVR $2,847 ▲ +12% vs LM · ▲ +18% vs target UNITS · MTD 218 156 retail · 62 lease PRODUCT PEN. 2.8 products / deal · target 3.0 CHARGEBACK RATE 2.1% ▼ -0.8 pts vs LM PVR by Manager View all → M. Singh$3,140 A. Reyes$2,840 L. Chen$2,560 D. Park$2,180 J. Wallace$1,890 B. Reilly$2,310 Product penetration · MTD VSC68% GAP52% Maintenance31% Tire & Wheel18% Theft / etch12%
Product concept. Design partner build in progress.
2026 regulatory brief

F&I Compliance Just Got Personal. What every dealer principal and F&I director needs to know about the new enforcement floor.

Read the brief
03 · Dealer Brain

Your dealership's integrated context engine.

Contextual intelligence for your store. The Dealer Brain pulls from every connected system, every document you have ever written, and every correction your managers make, then grounds each agent response in that record. It is the reason the platform gets sharper the longer you run it: the more your team uses it, the more context it holds, and the better it adapts to how your store actually sells.

Integrated sources, DMS, credit, lender rate sheets, and live compliance feeds stream in continuously and stay current.
Institutional knowledge, handbooks, talk tracks, and three years of closed deals, indexed and searchable by every agent.
Team input, the calls your managers make, and the ones they override, return to the index as context the system keeps.
Grounded answers, every response traces back to the record it came from, scoped to your rooftop and no one else's.
Dealer Brain Integrated Context Engine Context Map Knowledge Base Tags Flow Mapper 7 sources connected · synced 90s ago CONTEXT SOURCES LIVE SYSTEMS CDK DMS Deal feed · synced 2m Lender rate sheets Indexed per rooftop TDC Compliance Policy feed · synced 4m INSTITUTIONAL KNOWLEDGE Store handbook 412 documents · indexed Closed deal history 4,105 deals · 3 yrs TEAM INPUT Manager talk tracks 64 approved · 6 authors Corrections & overrides 1,284 this month INGEST INDEX RANK GROUND Dealer Brain CONTEXTUAL INTELLIGENCE RETRIEVING CONTEXT FOR Deal #4450 · '24 Telluride EX Store handbook § VSC disclosure 0.94 Closed deal #3871 · same trim 0.91 TDC policy update · NY 2026-06 0.88 AGENTS DRAWING CONTEXT Deal Architect 12 deals structured today Compliance Guardian NY disclosure set active Rate Aggregator Lender status in one view Performance Coach 3 coaching moments flagged Customer Advocate Session in progress INDEX HEALTH Context freshness 90s Source coverage 96% Grounded responses 99.2% FEEDBACK LOOP every accepted, edited, and overridden call returns as context 1 2 3 4 1 Everything becomes context Integrations, documents, and team input, in one index 2 Scoped to your rooftop Retrieval never reaches another store's data 3 Answers are grounded Every response traces to the record it came from 4 It compounds with use Corrections return as context, so accuracy climbs
Product concept. Design partner build in progress.
04 · Agent Studio

Tune your AI to your dealership.

Five specialized agents under the Dealer Brain: Deal Architect structures financing, Compliance Guardian watches every disclosure, Rate Aggregator shows every lender's status on the deal in one view, Performance Coach lifts the whole team, and the Customer Advocate presents to the buyer through an adaptive, dealership-branded surface. Every dealership runs differently. So does Kai.

Core agents tuned out of the box for F&I best practices, then refined to your store.
Custom agents for unique workflows, service contract attribution, lease renewal, equity mining.
Agentic flows, chain agents into multi-step workflows that span credit, compliance, menu, and funding.
Per-store tuning means a luxury franchise and a high-volume volume store can both run AiF&I without compromise.
Agent Studio · Five Agents K Deal Architect Optimal financing structure & menu Assertiveness 72% PVR Optimization 85% Customer Sensitivity 90% Upsell Frequency 55% DATA SOURCES DMS · Lender sheets · Cortex Edit configuration → ⚙ Compliance Guardian Real-time monitoring & audit Strictness 95% Auto-Block Threshold 80% Alert Frequency 60% RECENT BLOCKS 14 deals auto-held this month 9 OFAC · 3 UDAP · 2 Red Flags Avg resolution: 18 minutes View audit log → → Rate Aggregator Lender status in one view Submissions tracked 88% Auto-fill aggressiveness 70% LENDER SLOTS Captive lenderPlanned National bankPlanned Regional bankPlanned Local credit unionPlanned Add lender → ★ Performance Coach Staff analytics & coaching Profile depth 75% Retention scoring 82% RETENTION SIGNALS 147 customers in renewal window 38 with positive equity 12 high-conversion candidates View pipeline → CA Customer Advocate Adaptive customer presentation Formality Friendly Explanation depth Adaptive PRESENTATION Adapts language, pace, and depth Voice-enabled · multi-language Manager launches and supervises Open session view →
Product concept. Design partner build in progress.
05 · Customer Advocate

The fifth agent.
The only one your customer meets.

The F&I office is consistently the lowest-rated stop in the customer journey. The Customer Advocate is designed to change that through an adaptive presentation layer: it reads the person in front of it and adjusts language, pace, and depth of explanation to match. A kiosk presents the same way to everyone. This agent does not. The F&I manager launches the session, supervises it, and is always one tap away.

  • Customer sets the payment target. The Advocate builds the presentation around it.
  • Federal and state disclosures presented inline, not buried in a packet
  • Designed to lift CSI, raise penetration, and cut chargebacks.
  • iPad-native, voice-enabled, multi-language out of the box
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AiF&I Customer Advocate on tablet, asking customer to confirm monthly payment preference
Customer Advocate · dealership-branded avatar · iPad
Product concept. Design partner build in progress.
White paper · 13 pages

The case for an F&I operating system.

Read the AiF&I take on why the F&I stack hasn't moved in twenty years, what one deal actually touches across 5 to 8 systems, and how the right AI architecture changes the math.

Get the white paper → Join the Waitlist

Design partner program
launching late 2026.

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.

Join the Waitlist