Live AI Decision Engine  ·  No Competitor Shows This

The actual routing brain.
Running live. In your browser.

Type in a FICO and a deal. Every one of the 20 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. (20 of 42 live in the interactive demo — full 42-lender matrix active on deployment)

Routing Classification: Proven Observational In Progress
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.

20 lender programs scored live (of 42 total on deployment)

0 approved 0 counter 0 declined
Running deal through 42 lenders…
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 →

You just ran the routing engine. 220 more modules work the same way.

One price. Yours forever — no subscription, no per-deal fees, your data on your server. The same engine you just used ships with every Louie license, plus 20 base lender programs and the ability to add your own.

Own it forever — $24,995 → Join the Waitlist

See the full methodology →