Per manager. Per year. Silently. A 4-manager store is walking $144,000 out the door.
💸
Reserve Formula Wrong
$300–$600 miscalculated per deal. Flat fee, spread, and base-plus-spread are three different formulas — most desks guess.
🏦
Wrong Lender Called First
2–3 deals per month to the wrong bank. Stips, counters, lost momentum — and a hard inquiry that can't be undone.
📊
No Live DTI or PTI
Ratios never checked before the deal goes out. The decline comes from the lender instead of your desk.
📋
Rate Sheets Running Stale
Programs change constantly. Nobody updates. Your team structures deals against outdated data.
DealOptima fixes all four simultaneously — before a single deal leaves your desk.
How It Works
One Deal. Five Steps. Every Answer Before You Call.
DealOptima sits upstream of RouteOne and DealerTrack. Structure the deal here first — then submit knowing the answer.
📝
01
Enter Deal
60 seconds
🧠
02
Credit Profile
25+ signals
🎯
03
Score Lenders
All at once
🔧
04
Tune & Structure
Override, target
✅
05
Submit
Know first
Step 1 & 2 — Building The Deal
Enter the Deal. The Engine Reads the File.
As you type, four engines fire — reserve formula, live ratios, credit signal scoring, and bureau depth analysis.
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DealOptima
F&I DEAL DESK
Deal Structure
NewUsed
Sale Price
$85,000
Down Payment
$12,000
Trade Allowance
$15,000
Trade Payoff
$8,200
Taxes & Fees — $6,258
Tax Rate
6.0%
Doc Fee
$999
Net Trade: +$6,800Financed: $72,458
LTV
85.2%
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DealOptima
25+ SIGNALS
Unit & Credit Profile
FICO Score
742
Annual Income
$105,000
Revolving Util %
22%
Years in File
12yrs
Revolving Util
+3
22% utilization — good. Under 30% demonstrates healthy credit habits to underwriters.
Highest Credit
+5
0.8x exposure ratio — excellent. Financed amount well within prior credit experience.
Years in File
+6
12 years — seasoned file. Lenders value long credit history. Top tier signal.
✓ Prior RV Loan
✓ Has Mortgage
✓ Long Employment
Prior Auto Loan
💵01Reserve to the Dollar
Three reserve types calculated with the correct formula from your actual dealer agreement.
📊02Live DTI · PTI · LTV
Color-coded against each lender's real thresholds. Bad structure shows at your desk, not the bank.
🧠03Credit Intelligence Engine
25+ bureau signals scored in real time. Every field shows its score impact with plain-language explanations.
⚖️04Collections Underwriting
Scored by count AND dollar amount. Post-2023 CFPB guidance encoded.
Step 3 — Score All Lenders
Every Lender Scored. The Right One Surfaces First.
Compound risk weighted the way underwriters actually think — not just a flat FICO cutoff chart.
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DealOptima
3 QUALIFIED
OZK
Bank OZK
Spread only. Max 7% / $25K. Tier 1 as low as 5.99%.
BEST FIT
Buy Rate
6.24%
base rate
18pts → 0.25% lower
Sell Rate
7.99%
customer rate
Spread Held
1.75%
max allowed
Reserve
$5,072
spread × 4% of AF
Financed
$72,458
LTV
85.2%
Payment
$584/mo
240mo
DTI
34.2%
PTI
6.7%
Approval Odds
87%
53
Fifth Third Bank
BUY RATE PAYS 4%. +0.25% adds 1% reserve. 700+ FICO.
2ND
Approval Odds
82%
BofA
Bank of America
1.5% at buy rate + 1% per 0.25%. 720+ FICO.
3RD
Approval Odds
79%
🎯05Score-Based Lender Routing
Three sort modes: Max Profit, Lowest Payment, Best Approval. Results re-rank instantly.
🔧06Deal Doctor
No qualifying lenders? Exact dollar to fix LTV, FICO gap to unlock the next tier.
🚦07Lender Acceptance Rules
Toggle BK, repo, lates — instantly see which lenders accept and which hard-exit.
📋08Program Notes + Stips
Full stip requirements for every lender — one tap. No more calling the rep.
Step 4 — Structure & Close
Fine-Tune the Deal. Close on Your Terms.
Four tools to answer every F&I manager's question — what does it take to close this deal right now?
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DealOptima
RATE OVERRIDE
✏️Sell Rate OverrideACTIVE
Buy 6.24%7.24%Max 7.99%
Reserve
$2,718
Payment
$561/mo
Total Gross
$6,198
Left on Table
$2,354
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DealOptima
TARGET HIT
🎯Reverse Payment Calculator
Add $4,800 down to hit $550/mo
Extra Down
$4,800
New Financed
$67,658
Actual Pmt
$548/mo
Payment by term at 7.99%
144mo
$674
180mo
$592
216mo
$547
240mo
$520
✏️09Rate Override Slider
Set any sell rate in 0.25% steps. Reserve, payment, gross, and 'left on table' update live.
📉10Rate Buydown Table
Every 0.25% step: reserve given up and payment reduction the customer gets.
🎯11Reverse Payment Calculator
Enter target payment. See extra down needed, new financed, payment at every term.
📅12Term Override
Force a specific term across all lenders. Each still caps at its own max.
Step 5 — Close & Capture
Close the Deal. Capture Every Dollar.
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DealOptima
DESK CHECK
✅
Send It to F&I
Best program: Bank OZK at 6.24% — est. $584/mo on 240mo.
Programs
8
available
Top Odds
87%
OZK
Est. Payment
$584
240mo
Best Rate
5.84%
BMO
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DealOptima
AI LEARNING
Track Record78% approval (14 deals)
✅ Approved
❌ Declined
↩ Countered
✅
Logged — approved
After 30 deals the AI knows your market. After 100 — institutional memory no departure can erase.
🩺13Deal Health Score
Live 0–100 composite. Green = send it. Red = fix first. Updates with every field.
⚡14Desk Check Pre-Screen
Sales floor enters FICO, income, price, down — seconds later: verdict. No F&I training needed.
🔄15Dual Mode Deal Desk
Max Profit, Lowest Payment, Best Approval. One click re-ranks. Switch mid-conversation.
💼16F&I Product Profit Calculator
VSC, GAP, tire & wheel — sell, cost, live margin. Total gross rolls in automatically.
The ROI
One Deal Pays For the Entire Month.
$300–$600
Reserve wrong per deal
2–3
Wrong lender per month
$2,000+
Gross leaked monthly
$36K
Annual leak per manager
4-manager store = $144,000
in recoverable gross walking out every year.
✗Reserve estimated — wrong formula per lender
✓Reserve exact — correct formula, every lender, every deal
✗Wrong lender first — structure never validated
✓Right lender first — validated before it goes out
✗No DTI/PTI check — decline found at the bank
✓Live DTI/PTI flags problems before you submit
COMING SOON
One Button. Full Bureau. Every Field.
DealOptima is building soft pull integration that auto-fills every credit field from the bureau in under 3 seconds. No more typing FICO scores. No more guessing at utilization. No more customers under-reporting debts. One click replaces 20+ manual fields with exact bureau data — and the scoring engine runs at full precision instead of partial data.
23
Manual Fields Today
→
1
Button Click
→
3s
Bureau Auto-Fill
✓FICO, utilization, inquiries, derogs — exact from bureau
✓Collections with exact amounts + medical flags — auto-scored
✓Prior RV/auto loans detected automatically from tradelines
✓Real monthly debts from every tradeline — DTI becomes truthful
✓AI trains on bureau-grade data — the model gets smarter, faster
The scoring engine is already built for 25+ signals. Soft pull is the data pipe that feeds them all.
Pricing
Simple. Transparent. ROI in Week One.
One deal with optimized reserve pays for the month.