Live routing engine  ·  Same math we ship in production

Watch Louie pick the lender.
In real time.

Type in a FICO and a deal. Every one of the 9 lender programs below evaluates the deal against its underwriting box, posts a decision, and ranks itself. This is the routing engine. Same logic that runs at src/lender-submission.js in the codebase.

Amount financed
$29,500
LTV
109%
Credit tier
PRIME
Term
72 mo
Beat the Robot
Pick a lender. Watch the math.

Most F&I managers route on gut. Louie routes on the rules every lender uses. Pick one below and see whether your pick funds — and whose pick puts more reserve in your pocket.

0Your wins
0Louie wins
0Ties

Live score across this session. Pick a lender to start.

9 lender programs scored live

0 approved 0 counter 0 declined
How this works. Each lender's simulateDecision() runs against the deal: min-FICO gate → LTV gate → term cap → credit-tier classification → base-rate lookup → probabilistic outcome roll (per-tier approve/counter/decline thresholds based on lender historical funding data). The rank order is the same heuristic our F&I AI uses to pick which lender gets the first-look submission. Full math behind every claim →

This is the moat. Want to see the rest?

Lender routing is one of 220 modules. Every dealer who owns Louie ships with the same routing engine, the same 9 base lender programs, and the ability to add their own.

Take the floor → See the methodology