BackDeck is live

The F&I agent that works
24/7, no salary, no vacation.

BackDeck is an autonomous AI that runs your entire Finance & Insurance workflow — credit applications, product menus, compliance, and contracts — without a human in the chair.

BackDeck — F&I Agent
DEAL #2847 — IN PROGRESS
Credit Profile 720 score — Prime
Lender Match Ally Financial — 6.4% APR
Products GAP + Tire & Wheel — $89/mo
Contract ready — awaiting signature
09:41 AM Credit pulled via Experian — score 720
09:41 AM 3 lenders matched — routing to best rate
09:42 AM Ally approved — 72-month, $389/mo
09:42 AM F&I menu generated — 2 products matched
09:43 AM Contract generated — ready for e-sign
$1,800
Average F&I revenue
per vehicle sold
47%
Of dealers have
no AI F&I tool
3 hrs
F&I manager time
per deal, manually
0
AI agents currently
running F&I at dealers

Source: NADA 2025 Data, CDK F&I Benchmark Report

What BackDeck does

Not a software tool.
An autonomous F&I employee.

Credit Intelligence

Pulls credit in real time, matches the dealer's lender network, and routes to the best rate — automatically. No more manual rate shopping.

Product Menu Engine

Presents the right F&I products — extended warranty, GAP, tire & wheel — based on the customer's profile and the deal structure. No overselling. No under-selling.

Compliance Built In

Truth in Lending, state-specific disclosures, product disclosure rules — BackDeck handles the paperwork and flags compliance issues before they become problems.

Contract Generation

Auto-generates retail installment contracts, GAP disclosures, and service agreement forms. E-signature integrated. Deal funded faster.

Always On

Works while you sleep. 24/7 credit monitoring, lead follow-up, and deal follow-through — no lunch breaks, no weekends, no coasting.

Dashboard & Reporting

Live performance metrics: approval rates, PVR (per vehicle revenue), product penetration, lender mix. Actionable insights, not just data.

The workflow

From deal to funded — in minutes

BackDeck replaces the manual back-and-forth of the traditional F&I office with a streamlined, AI-driven process.

01

Deal arrives

BackDeck receives the deal data from your CRM or DMS — customer info, vehicle, trade, down payment. No manual entry required.

02

Credit pulled & scored

Agent pulls credit through your existing bureau connection, evaluates the profile, and matches to your lender network — routing to the best rate for your dealership's stack.

03

F&I menu personalized

Based on the customer's credit, vehicle type, and deal structure — BackDeck builds a personalized product menu. No generic "wall of products." Only the ones that make sense for this deal.

04

Compliance verified

Every TILA disclosure, state-specific form, and product disclosure is checked against your state's requirements. Compliance issues are flagged before signing.

05

Contract generated & funded

Contracts auto-generate. E-signature delivered to the customer. Funding submitted to the lender in one click. Deal is done.

But will it actually work?

Dealers ask the same questions every time

"My customers want to deal with a person, not a machine."
BackDeck doesn't replace the F&I manager — it replaces the grunt work. Your manager still closes the deal and builds relationships. BackDeck handles the credit pull, rate matching, menu generation, compliance, and paperwork. The manager does what humans are actually good at.
"What about complex deals — special finance, bad credit, weird situations?"
BackDeck flags edge cases and routes them to your F&I manager. Routine deals (which is the majority) go fully automated. Complex deals get human review. You set the rules. The agent learns your dealer's appetite over time.
"What lender network does it use?"
BackDeck integrates with RouteOne, Dealertrack, and your existing DMS. It submits to any lender you're already contracted with — no new relationships required. You own your lender network. BackDeck just works it harder.
"How does it handle compliance?"
Every state's F&I regulations are encoded in the agent's logic. TILA disclosures, state-specific forms, product disclosure requirements — all verified before the contract goes out. Your exposure to compliance risk drops significantly.

The first AI F&I agent is already
running at a dealership near you.

Every independent dealer is one tool away from running F&I at the speed of software — while competitors still use spreadsheets and sticky notes. BackDeck changes that.

Built for independent dealers who want to compete with franchise groups on technology, without the CDK price tag. Priced per deal, not per month.

BackDeck runs. You own the profit.