Maximizing F&I Profit

ProfitIQ instantly identifies which lender decision maximizes your F&I Profit.

How It Works

  1. Real inventory data – 
    1. we pull it straight out of your inventory feed → real pricing data 
  2. Real bookout – 
    1. we make it easy for you to get the perfect bookout → Real LTV
  3. Real credit decision – 
    1. we pull it out of your DT/R1 where you are already desking it
    2. Payoff of trade-in included in profitability
  4. Real F&I product pricing 
    1. we pull it straight from your product provider or you can set it up as a dealership product


Green highlights show your current maximum profit lender decision.

Green is a great place to start your comparative analysis.

It highlights the factors that make this lender decision the best option.

It gives you the ability to more quickly determine if any other option is worth digging deeper into.


Yellow are deals that could become more profitable than the current green deal but have issues that need to be resolved to make it more profitable.

ProfitIQ highlights what you need to focus on in order for this option to become more profitable.

Sometimes you’d need to get a higher down payment from the customer.

Or you can try to work with the lender to decrease their fee, etc. It’s good to do a quick review of yellow deals to see if there are “easy” ways to get to a more profitable deal.


Red indicates deals that your F&I team shouldn’t waste any time looking at.

There is virtually no way to get the deal within the customers’ desires so spending time working on this lender decision is not advisable.

For example, a lender may have a buy rate above the rate you already promised the buyer. This would leave you no financing margin and limited F&I profit even if you could “upsell” the customer to the higher rate.

Boost PVR

ProfitIQ lifts PVR by $40-$120. For a 100 unit/mo dealership that’s $4,000-$12,000 in captured revenue on the vehicles you already sell

Find Missed Profit

Easily find the profit opportunities your F&I team is missing – before they close the deal and the profit is lost forever.

Limit Errors

Automated calculations prevent errors that cost your dealership revenue every month.

Faster F&I turn

F&I managers can process more deals, more accurately and speed up the F&I customer experience.

Easy Training

Beginner or old pro? Speed, accuracy, and MAXIMUM profit on every deal – confirmed and verified by ProfitIQ.

Fits Your Process

No need to change you current F&I process to maximize your lender profit

Why ProfitIQ was Developed

Profit Audits show only 80% of deals are placed with the lender decision that maximizes dealership profit.

20% of F&I deals get placed with the wrong lender decision costing the dealership $247 for each deal misplaced.

$274 per missed lender decision placement really adds up when 20% of your F&I deals are being misplaced.

Instant ROI

Onboard in a few days

One Day of training (on-sight or remote)

Start capturing additional deal profit immediately

Why You Want ProfitIQ for Your Dealership

Only 80% of F&I deals get placed with the lending decision that MAXIMIZES dealership revenue!

ProfitIQ gives F&I managers a real-time comparison of lender decision profits to simplify securing maximum profit on 100% of F&I deals.

How much revenue could you add to your F&I department if every deal went to the lender with maximum profit?

Help your F&I managers focus on selling additional products and securing the highest F&I lender profit for the dealership?

We also have you covered with full integration

Fits your sales and F&I process regardless of how it flows.

We knew it had to be easy and fit into many different sales and F&I processes because every dealer process is unique.

  • No need to change your sales process
  • No need to change your pencil system
  • No need to change your menu
  • No need to change your trade tool
  • No need to change your website integrations

Get Decisions From All Your Current Lending Partners

Our direct integration with DealerTrack and RouteOne makes it easy to work with all your current lenders.

Compare lender decision profitability in real-time, before a deal is closed and revenue is missed forever.

Drastically increase the look-to-book ratio for each lender.

ProfitIQ makes sure you can see which lender is willing to pay you the most, maximizing the F&I profit on each deal.

Spend More Time Selling a Profitable Deal

Spend more time selling ancillary products based on maximizing profitability within each lender’s decision parameters.

Each deal and each lender has a maximum (LTV) allowable percentage over retail price. Find the most profitable way to sell additional products into the financing decisions. 

Compare, analyze, and MAXIMIZE F&I profit on each deal while selling service agreements, upgrades, and ancillary products.

Speed and Accuracy Increased

Cut out all the high effort manual calculations and focus on selling more products during the F&I process.

No fat finger data entry mistakes, making it faster and easier to get accurate lender decisions to analyze. 

Handle more customers and lender decisions every day. Letting ProfitIQ show you the profitability of each lender decision allows the F&I manager to focus their time on upselling more products, not doing multiple calculations per deal to “find” a profitable deal.

What would it do for your income if you could put every deal out at the maximum profit? Deliver deals quickly for your sales team and be assured that every deal has maximum profit.

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