Louie pre-stages the deal before the customer sits down. FICO tier, recommended products, lender ranked by reserve. You walk in ready.
Ranked by expected reserve, not just approval probability. Louie knows which lenders are paying today and routes accordingly. The highest-yield lender for this FICO + LTV, every time.
VSC, GAP, protection packages — Louie recommends the right product based on vehicle age, mileage, FICO, and retail vs. lease. No more guessing what the customer will accept.
Know what's missing before the lender calls. Louie flags proof of income gaps, insurance issues, and dealer-track conditions before you send the contract. No more callbacks.
You lead with the wrong package for this customer and watch the whole menu get declined out of stubbornness, not price.
Markup creeps past a state usury limit, or an adverse-action letter goes out a day late. Nobody notices until the audit.
What's the max you can hold on this FICO, this term, this lender — without blowing past the cap? Most managers eyeball it.
Printing, re-printing for a typo, faxing to the lender, waiting on a wet signature. The deal sits while the paperwork catches up.
You're building the deal cold, with no idea what tier they'll actually qualify for until the hard pull comes back.
Buyer's order in one drawer, RISC in another, stips in an email thread, the signed contract wherever it landed. Audit season is a scavenger hunt.
When your F&I manager submits a deal, Louie surfaces live CFPB complaint data for that lender — right inside the funding screen. Before you send the contract to Capital One, you see: 3,039 consumer complaints in the last 6 months · top issue: Repossession · elevated. That's the kind of intelligence that changes a submission decision — and protects your CSI and your customer.
Live CFPB data pulled from the Consumer Financial Protection Bureau. Updated weekly. No other DMS surfaces this inside the deal workflow.
No. Louie ranks lenders and products and screens for compliance before you sit down — you still make the call and run the presentation. It's prep work, not a decision-maker.
The reserve optimizer caps its recommendation at each lender's stated participation limit and flags anything that would put you over a state usury ceiling — it's built to keep you inside the line, not push it.
Louie routes across your existing lender panel — the same lenders you already submit to. It ranks them by expected reserve and approval odds; it doesn't force you onto a new panel.
No. The routing recommendation, reserve math, and lender ranking are internal to your desk. The customer sees the menu and the payment — not the mechanics behind it.
See the lender routing brain live — no signup required.