Reserve goes to the box you submit first. Menu order decides what gets sold. Stips kill funded-deal time. Compliance flags discovered at audit cost everyone. Louie does the routing, the sequencing, the shoulder-check — before you book the deal, not after.
These didn't come from a vendor focus group. They came from sitting in F&I chairs across rooftops. Same complaints, every store, every brand. Louie was built to kill each one before book.
You shotgun the deal to four lenders and take whichever calls back first. Best-fit lender — the one with the most reserve for this FICO/term — never sees it.
VSC first, GAP second, paint third — for everyone. Customer with 780 FICO and 36-month term gets the same pitch as a 580 / 84-month. Both walk away light.
Lender wants paystub, proof of residence, ref-list verification. Customer emails one doc Wednesday, another Friday. Deal sits unfunded over the weekend.
Three months later, the audit catches a missing OFAC scan, a Reg-Z disclosure date mismatch, or an adverse-action notice that didn't fire. Now it's a fine.
GM wants VSC attach by salesperson, by lender, by vehicle class. You're exporting from the DMS into Excel at 9pm on Sunday. Numbers never tie.
Buyer disputes a kicker rate. Lender says you accepted. You have no log of the call, the agreed rate, or the time stamp. You eat it.
Everything below is built, in the demo, and runs against your DMS data the moment you connect. No per-deal fees, no "F&I module" upgrade SKU — your rooftop license covers every deal.
Scores every active lender against this customer in under 2 seconds. Closed-loop weights update nightly based on your funded/declined outcomes. Submit to the highest-reserve match first.
Reorders the menu per deal based on FICO band, term length, vehicle class, and historic acceptance. 780 / 36-mo sees different first card than 580 / 84-mo.
Auto-detects stips on submission. Texts the customer for docs, OCR-reads them, posts to lender portal. Reminders cadence built in. Drops from days to minutes.
OFAC, Red Flags, Reg-B, Reg-Z, FCRA, adverse-action — every box checked before you book. Flags surface in the F&I screen, not in an auditor's email three months later.
VSC, GAP, paint/fab, T&W, key, ID — attach % by salesperson, lender, term band, FICO band, vehicle class. Owner-ready report in two clicks.
Real-time reserve math per lender, per buy rate, per kicker. See what you make at sell rate vs buy rate before you commit. No more guessing.
In-house deals scored against your portfolio loss history, customer income stability, prior service spend. Down-payment recommendation, term cap, collections probability before you hand keys.
Soft-pull pre-qual, fraud screening, alternative-data tradelines, second-look lender stack, deal-restructure suggestions. Turns "declined" into "structured-different-way approved."
Listens to your menu presentations (with consent), scores objection handling, suggests stronger transitions, flags missed product opportunities. Personal AI coach in your pocket.
Below is exactly what the first deal of the day looks like inside Louie. Same workflow runs every pencil, every desk, every shift.
Modeled on a 690 FICO / 72-mo / used $28,400 deal, customer in the box.
Desk sends the worksheet. Louie pulls credit, scores all 42 lenders. AI suggests Lender B first (87% match, 2.4 pts reserve).
One-click submit. Buy rate, max term, stip list returned in 47 seconds. Approved.
For 690 / 72-mo / used: VSC first, GAP second, paint third, T&W fourth. Sequence pre-loaded on the customer iPad.
VSC and GAP accepted. 12 minutes in the box. Compliance shoulder-check green across the board: OFAC, Red Flags, Reg-Z, Reg-B all logged.
Paystub + proof of residence requested by text. Customer uploads on the way out the door at 9:51.
OCR validates docs, posts to lender portal. Lender Bs system marks deal stip-clear. Funding queued.
ACH initiated. Reserve booked: $612. VSC reserve: $487. GAP profit: $295. Deal P&L posted to dashboard.
Stip queue from the rest of the morning cleared. Three deals booked, two funded, zero compliance flags, zero re-submits.
Same store. Same lenders. Same customers. The difference is whether the system makes you faster or slower, sharper or blinder.
| Task | Old way (RouteOne / Dealertrack / shotgun) | Louie way |
|---|---|---|
| Lender selection | Submit to 4 lenders, take first approval | 42-lender scoring; highest-reserve match first |
| Menu presentation | Same order every customer | Re-sequenced per FICO / term / vehicle |
| Stip clearance | Email back-and-forth over days | Text + OCR + auto-portal upload, ~9 min avg |
| Compliance | Caught at audit, three months late | Shoulder-checked before book; gated |
| Attach reporting | Excel exports on Sunday night | Live dashboard, refreshes on every funded |
| Reserve math | Calculator app + intuition | Real-time per-lender reserve preview |
| Subprime decline | "Sorry, we can't help" walk | Auto-restructure suggestions + second-look stack |
We claim: the simulation engine models 91% first-look approval, +$312 PVR uplift, and 47→9 min stip clearance against a shotgun-submission baseline. Derived from 3.7M+ AI deal simulations. Full methodology at /money.
We don't claim: every store will see identical numbers. Lender mix, regional credit profile, customer base, and current menu discipline vary. The mechanism is mechanical: better-fit lender selection lifts reserve, sequenced menus lift attach, and OCR-driven stip clearance compresses funding time. The size of the lift depends on your starting baseline.
$9,995 one-time license per rooftop. Every F&I manager, every desk, every deal included. No per-deal fees. No "compliance add-on" SKU. You own the platform.