F&I Intelligence Platform — Two Scores. 25+ Signals. All Your Lenders.

Every program. Every signal.
The right lender — every time.

Every other tool helps you find a lender. DealOptima scores your deal structure and matches it against every lender you work with — simultaneously. Your manager sees the exact reserve, the best program fit, and what to fix if the structure isn't right. All before they pick up the phone.

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Live software. Not a prototype. Running real deal scenarios today.
Signals
25+
Your Lenders
ALL
Proprietary Scores
2
Full Analysis
<1s
The Problem

Your F&I desk is flying blind.

Every deal, your manager is guessing. Here's what that costs you.

$201,600
Annual reserve leaked per store from mismatched lenders and missed program rules.
45 min
Wasted per bad-structure deal. Manager calls 3 lenders before finding the issue.
No Tool
Your best manager knows which lender to call. But that knowledge lives in their head — not in a system. When they leave, it walks out the door.
1 in 4
Deals structured wrong before the first call. FICO looks fine — but structure kills it.

DealOptima eliminates all four.

How It Works

Send us your lenders. We build your desk.

You send rate sheets. We configure every lender, every program, every reserve formula. You get one link that runs your entire F&I operation.

WHAT WE NEED FROM YOU
1Current rate sheets from your lenders
2Dealer participation agreements
3Your store markup policy
4One F&I manager for the pilot
WHAT WE DELIVER
✓Every lender configured with exact FICO floors, LTV caps, reserve formulas
✓Program notes and stip requirements per lender
✓Your store’s tax rate, doc fee, tag, title pre-filled on every deal
✓One link — works on any computer or tablet with a browser
✓We maintain your lenders — when rates change, we update them
WHAT YOUR F&I MANAGER DOES
Enter the deal. Sale price, invoice, down payment, trade. Fees auto-fill from your store defaults.
Enter the credit. FICO, income, highest credit, utilization, inquiries, years in file. With Pro, 700Credit soft pull auto-fills every field from one scan. Signals light up as data enters — green for positive, red for negative.
Add F&I products. Extended warranty, GAP, tire & wheel. LTV and payment update live across every lender.
Press Analyze. Every lender scored simultaneously. Top 3 ranked by profit, payment, or approval odds. Reserve calculated to the dollar. Rate slider for negotiation. Buydown table showing the cost of every concession.
Submit with confidence. Your manager calls the right lender first, knows the exact reserve, and has the stip list ready. No guessing.
No DMS integration. No IT department. No hardware. No app download. No training required. Your manager opens a link and starts running deals. The system does the rest.
The Engine

Two proprietary scores.
One deal.

The core IP behind DealOptima. Every feature flows from these two numbers.

64
Deal Health Score
Rates the overall deal structure in real-time as you type. 25+ weighted signals produce one number: green (75+), gold (50–74), or red (under 50). When not green, Score Advisor activates.
SIGNALS THAT POWER THE SCORE
+28FICO — 8 tiers from 640 to 780+
+12LTV ratio — 10 tiers, cross-penalty with FICO
+10DTI + PTI — debt-to-income live calc
−18Credit exposure — financed vs highest credit
−22BK / Repo / Lates — hard caps
+12Housing, prior loans, employment, co-signer
−14Utilization, inquiries, collections, derog
75–100
Strong
50–74
Workable
0–49
Needs Work
These are 8 of the 25+ signals. Each one is weighted differently per lender. Request a demo to see the full scoring engine live.
88
Lender Match Score
Per-lender fit score. Same deal, different scores per bank. OZK might be 88% while Colony is 62%. Each lender weighs signals differently. With Pro, scores recalibrate from your outcomes.
PER-LENDER FACTORS
●FICO floor per lender — varies 620 to 700+
●Max LTV per tier with bump schedules
●Reserve formula — base+spread, flat %, tiered
●Unit age, mileage, fuel type, down % rules
●BK/repo acceptance, sub-prime affinity
SAME DEAL — DIFFERENT SCORES
Fifth Third88%
Bank OZK85%
BMO72%
Colony38%
Score Advisor

Not green?
Here's how to fix it.

Ranked fixes with projected scores. One structural move at a time. With Pro, the Advisor learns from your store's actual outcomes.

📊
+14
High Credit Exposure
Financing 3.2× highest credit ever ($28,000). Reduce financed by $34,270 or pick a unit under $56,000.
projected
78
👥
+11
Add Co-Signer
A 740+ co-signer adds +11 pts. A 780+ adds +15 pts. Opens prime programs.
projected
89
💳
+5
Revolving Utilization
42% utilization costs −2 pts. Under 30% recovers +5 total.
projected
94
What Your Manager Sees

Score is gold. The Advisor immediately tells them: exposure ratio is the problem. Not FICO. Not LTV. One signal — and exactly how to fix it.

ONE FIX — PICK SMALLER UNIT
64
GOLD
→
78
GREEN
Exposure drops from 3.2× to 2×. One move.
TWO FIXES — UNIT + CO-SIGNER
64
GOLD
→
89
GREEN
Add a 740+ co-signer. Opens prime programs.
Pro: The Advisor Learns Too

With outcome data, the Score Advisor reprioritizes fixes based on your store's actual results. "OZK approved 3 deals at 2.5× exposure — fix DTI first."

The Product

Everything your F&I desk needs.

28 features. Built and functional. Not a roadmap.

🏛️
Reserve to the Dollar
Every lender's formula decoded. Base+spread, flat %, tiered — calculated to the penny. Your manager knows exactly what they're earning.
🎯
Rate Slider + Buydown
Drag to negotiate. Reserve, payment, profit, and left-on-table recalculate instantly. Buydown table shows the exact cost of every 0.25% concession.
📊
3 Sort Modes
Max Profit ranks by combined gross. Lowest Payment finds the cheapest monthly. Best Approval puts the highest-odds lender first.
⚡
FastPass Desk Check
4 fields. Any browser. 5 seconds. The sales desk gets an instant qualifying count before the customer leaves the lot.
🔧
Deal Doctor
Zero qualifiers? Deal Doctor finds the closest lender and shows the exact structural fix — "$2,100 more down" or "13 more FICO points."
🧠
AI Outcome Learning
Every logged outcome feeds the scoring engine. After 200+ deals, the system predicts approval odds, buy rates, and counter risk. Pro adds 700Credit soft pull integration — one scan auto-fills all 25+ credit signals.
The Moat

The longer you use it,
the wider the gap.

After 12 months, your store has 1,200+ logged outcomes with recalibrated weights per lender. Switch tools? Starts from zero.

Day 1
Published Guidelines
Pure math from rate sheets. FICO floors, LTV caps, reserve formulas.
30
Outcomes Logged
Rankings shift. OZK approved 11/12? Score climbs. Colony declined 4/6? Drops.
100+
Signals Recalibrate
System knows why Colony declines — DTI above 42% at your store specifically.
200+
Predictive Intelligence
Before you call: 92% approval, 6.74% buy rate, 12% counter risk.
At 40 deals/month × 12 months from better lender matching
$201,600
additional annual reserve
Built From the Desk

18 years. 40,000+ deals.
Built by F&I.

DealOptima wasn't built in a tech lab by developers who've never sat at an F&I desk. It was built by someone who has — for almost two decades.

Salesman. Internet Director. Finance Manager. General Sales Manager. Every seat at the dealership except one — and that's who we're selling to. Every lender call. Every counter. Every decline that should have been an approval if the deal was structured 10 minutes earlier.

The scoring algorithm isn't theoretical. It's built from 18 years of knowing what underwriters actually look at — not what the rate sheet says, but what gets deals bought.

Christopher Hall
Founder & Developer
●18+ years in automotive — every desk from sales to GSM
●40,000+ deals submitted to real underwriters
●Salesman to Finance Manager to General Sales Manager
●Built the scoring engine from real underwriter behavior
●Solo-built the entire platform — product, code, and lender configs

"I've sat across from the customer, called the lender, gotten countered, restructured at 8pm, and watched deals die because the structure was wrong from the start. DealOptima is the tool I spent 18 years wishing I had."

Pricing

Core today. Pro when you're ready.

Three tiers. Honest about what each includes.

AVAILABLE NOW
DealOptima Core
$499
/mo per store
  • Dual scoring engine — 0 to 100
  • All your lenders configured
  • Reserve to the dollar
  • Score Advisor — ranked fixes
  • Rate slider + buydown table
  • 25+ credit signal scoring
  • Deal Doctor — exact fixes
  • Reverse payment calculator
  • FastPass desk check
  • 3 sort modes
  • We maintain your lenders
  • One link, any device
Browser storage · No GM login · No AI learning · Single user
COMING SOON
DealOptima Pro
$999–$1,499
/mo per store
  • Everything in Core, plus:
  • 700Credit soft pull — auto-fill
  • Cloud backend — persistent data
  • GM dashboard — full analytics
  • Up to 10 users per store
  • AI outcome learning
  • F&I scoreboard
  • Reserve capture reporting
  • Counter intelligence
  • Decline pattern analysis
2027
Enterprise
$1,999+
/mo per group
  • Everything in Pro, plus:
  • Multi-rooftop rollup
  • Cross-store intelligence
  • Group-level GM dashboard
  • Unlimited users
  • Custom lender integrations
  • Dedicated account manager
  • SSO + role-based access
  • Custom reporting + exports
  • 5-store minimum
GROW WITH US
Core → Pro → Enterprise
Start with Core. Upgrade when ready. Your lenders, data, and intelligence carry forward.
Get Started

30 days to a smarter F&I desk.

Send us your rate sheets. We configure your lenders. You run deals.

1
Send Rate Sheets
Current rate sheets + dealer participation agreements. We do the rest.
2
We Configure
Every lender, every program, every reserve formula entered and tested. One link shared.
3
Run Deals
Your F&I manager starts immediately. No training. The system learns your store from Day 1.
No IT · No DMS · No Hardware · One Link · Any Device
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We respond within one business day. No spam, ever.