SPECIAL FINANCE — GOLD STANDARD

The bad credit wave is here.
Be the store that closes it.

3.1% of auto loans 90+ days past due — 14-year high
NY Fed Q4 2025
42M Americans with sub-580 FICO — the largest pool of subprime buyers on record
Experian 2025
+18% Fresh-Start BK discharges year over year — those buyers need a car
PACER data YoY
Join the Waitlist → View pricing →
✓ 42 Subprime Lenders Live ✓ Stip Predictor Built In ✓ Bankruptcy Pipeline Included ✓ ECOA Adverse Action Auto-Filed ✓ No Per-Deal Fees
Demo Data · Louie Auto Group

Sample Output — Louie Auto Group Demo Floor

Pulled from /api/secondary-finance/analytics — demo dealership data, refreshes on every load

6 Core Modules

Every tool a special finance manager
actually needs

No extra cost. No “contact sales for the subprime add-on.” All six modules come with your $24,995 license.

🏛
Subprime Lender Router
42 lenders ranked live by FICO band, DTI ceiling, LTV tolerance, and historical buy rate. AI-reweighted from deal outcomes nightly.
“I’m submitting to the wrong lender first. My first-look rate is 58%.”
📊
Stip Predictor
Tells you what each lender will require before you click submit. Proof of income, stubs vs. bank statements, co-buyer requirements — surfaced before the call back.
“I get conditioned three times before I get an approval. Every time something different comes back.”
🛠
Deal Restructure Engine
Hit any payment target. Rate, term, and down payment combos calculated by lender — so you know the exact structure before you show the customer a number.
“Customer needs $450 a month. I have no idea what structure gets me there with this paper.”
⚖️
Bankruptcy Pipeline
Chapter 7 discharged 8+ months and Chapter 13 with court approval leads from PACER. Fresh-start buyers actively looking to rebuild — before your competitors find them.
“I have no source for fresh-start customers. They just walk in or they don’t.”
📋
Adverse Action Center
ECOA-compliant adverse action notices auto-generated and logged on every decline. Audit-ready. Every declined applicant, every reason code, in one place.
“A regulator asked for our adverse action file and I had nothing. We were flying blind.”
🛡
Fraud Shield
SSN mismatch, synthetic identity patterns, income layering — flagged and scored before you submit. One bad deal to the wrong lender ends the relationship.
“I sent a fraudulent deal to Westlake. They stopped doing business with us. Cost us $180K a year in buys.”
Market Context

The incoming wave —
by the numbers

This isn’t a niche. It’s the majority of your walk-in traffic. The stores who work it systematically will dominate the next 36 months.

3.1%
Auto loans 90+ days past due
NY Fed Q4 2025 — 14-year high
42M
Americans with FICO below 580
Experian State of Credit 2025
18%
YoY increase in Ch7 fresh-start discharges
PACER data, trailing 12 months
$8,400
Avg gross per closed special finance deal vs. $2,100 on prime
NADA Dealer Operations Survey 2024
The Workflow

How Louie works
a subprime deal

Five steps. No guesswork. Every declined deal automatically covered on compliance.

1
Customer walks in
Soft pull fired immediately. FICO returned in 4 seconds — no hard inquiry, no credit impact. Customer never has to know.
4-sec soft pull
2
Louie scores the deal
LTV, PTI, income analysis, bankruptcy history, and employment stability — full credit profile scored before you touch a desk pencil.
AI scoring
3
Lender ranked
42 lenders sorted by fit. Lead with the best first-look. Stop burning relationships by submitting to the wrong lender for this paper.
42 lenders live
4
Stip package built
Louie tells you every stip the lender will ask for before they call you back. You collect everything once — clean submission, faster funding.
Zero surprises
5
Deal funded or declined
Funded: backend tracked, reserve logged. Declined: adverse action notice auto-generated, ECOA-compliant, filed before end of day.
Auto adverse action
Live Routing Demo

520 FICO · $18,500 vehicle · 72 months.
Three lenders, ranked in real time.

This is what Louie returns the moment a deal is structured. No phone calls. No portal logins. Ranked by approval probability before you commit the customer to a hard pull.

Deal Parameters — Demo
520
FICO Score
$18,500
Vehicle Price
72 mo
Term
$3,200
Down Payment
Rank #1 — Best Fit
Westlake Financial
Non-prime specialist · Tier 2 FICO floor 500 · LTV ceiling 130%
Approval Probability
78%
Est. Rate: 18.9% APR Est. Payment: $412/mo Stip: 2 paystubs + POI Avg funding: 2.1 days
Rank #2
Global Lending Services
Non-prime · Tier 3 floor 510 · 130% LTV · longer terms accepted
Approval Probability
61%
Est. Rate: 21.4% APR Est. Payment: $441/mo Stip: bank statements 3 mo Avg funding: 3.4 days
Rank #3 — Stretch
United Auto Credit
Non-prime · Floor 500 but prefers 530+ at this LTV · shorter terms preferred
Approval Probability
34%
Est. Rate: 23.7% APR Est. Payment: $468/mo Risk: term length mismatch

Demo data — routing logic reflects real lender program parameters. Approval probabilities are simulated estimates, not live lender decisions.

Demo Pipeline · Louie Auto Group

Sample: last 10 special finance deals
from the demo floor

Demo data from Louie Auto Group. Customer names masked. Status reflects simulated lender responses.

Customer FICO Lender Submitted Status Days in Pipeline
Loading pipeline data…

Demo data — reflects real subprime lender logic and deal outcomes from simulation data Nov 2024–May 2026

One Price. Own It Forever.

$24,995. One time.
Every special finance module included.

No per-deal fees. No lender kickbacks. No “subprime module” upsell. You keep all the reserve. Every module — lender router, stip predictor, BK pipeline, adverse action, fraud shield — included in your perpetual license. Your database stays on your server.

See full pricing → Join the Waitlist

Questions about lender integrations, stip logic, or how the BK pipeline is sourced? The founder ran special finance.  Email brian@louieauto.com

✓ 60-day money-back guarantee ✓ Zero-interest financing available ✓ No per-deal fees. Ever.
Live Demo — Try It Now

Watch Louie find lenders for a 520 FICO customer

No other software shows you its actual decision engine. Pre-loaded with a real subprime deal profile.

FICO Score
520
Vehicle Price
$18,500
Down Payment
$1,500
Term
72 mo
Run This Deal Through Louie →
You'll see DriveTime, Westlake, CAC, and 5+ more options ranked by approval probability — live, in your browser.
42 lenders · No per-deal fees · $24,995 per rooftop, once
Own the special finance floor.
Raise Your Hand