Development
USA1601 Market Street, 19th Floor, Philadelphia, PA 19103
USA112 Capitol Trail Suite A278, Newark, DE , 19711
PolandMuchoborska 8, budynek b1, 1 pietro, Wrocław, 54-424
EstoniaNarva mnt 5, Tallinn, 10117
UkraineHeroiv UPA 72, Lviv, 79018
USA1601 Market Street, 19th Floor, Philadelphia, PA 19103
USA112 Capitol Trail Suite A278, Newark, DE , 19711
PolandMuchoborska 8, budynek b1, 1 pietro, Wrocław, 54-424
EstoniaNarva mnt 5, Tallinn, 10117
UkraineHeroiv UPA 72, Lviv, 79018
USA1601 Market Street, 19th Floor, Philadelphia, PA 19103
USA112 Capitol Trail Suite A278, Newark, DE , 19711
PolandMuchoborska 8, budynek b1, 1 pietro, Wrocław, 54-424
EstoniaNarva mnt 5, Tallinn, 10117
UkraineHeroiv UPA 72, Lviv, 79018
USA1601 Market Street, 19th Floor, Philadelphia, PA 19103
USA112 Capitol Trail Suite A278, Newark, DE , 19711
PolandMuchoborska 8, budynek b1, 1 pietro, Wrocław, 54-424
EstoniaNarva mnt 5, Tallinn, 10117
UkraineHeroiv UPA 72, Lviv, 79018
USA1601 Market Street, 19th Floor, Philadelphia, PA 19103
USA112 Capitol Trail Suite A278, Newark, DE , 19711
PolandMuchoborska 8, budynek b1, 1 pietro, Wrocław, 54-424
EstoniaNarva mnt 5, Tallinn, 10117
UkraineHeroiv UPA 72, Lviv, 79018
USA1601 Market Street, 19th Floor, Philadelphia, PA 19103
USA112 Capitol Trail Suite A278, Newark, DE , 19711
PolandMuchoborska 8, budynek b1, 1 pietro, Wrocław, 54-424
EstoniaNarva mnt 5, Tallinn, 10117
UkraineHeroiv UPA 72, Lviv, 79018
faster deal desking
reduction in manual data entry
higher Profit Per Vehicle Retailed
compliance errors
The F&I office moves at the speed of trust. When that momentum stalls, you feel it at a close rate. Here’s what we do to prevent this for modern car dealers.
Custom F&I Platform Engineering
A third-party portal wasn’t built around your lending criteria, your desking logic, or the way your team structures deals. Ours is. We engineer bespoke, cloud-based finance platforms from scratch, allowing users to access data and workflows from anywhere. This means no rigid templates, per-user fees, or dependency on a vendor’s roadmap. You own the IP outright and control every part of how the system evolves to meet your unique challenges.
Credit Bureau and Lender API Integration
The window between a customer saying yes and changing their mind is shorter than dealerships account for. We build real-time integrations with major credit bureaus, in-house financing platforms, and networks like RouteOne and Dealertrack. The credit check runs, the lender submission goes out, and the approval comes back, while the customer is still in the chair.
Secure E-Contracting and Digital Vaults
Digital contracting (eContracting) allows dealers to get funded up to 83% faster than paper-based processes. We build encrypted e-sign workflows and digital contract vaults that hold up to legal scrutiny. Equipped with multi factor authentication, they stay fully compliant with PCI DSS, removing the risk of loose PDFs and compliance gaps that come back as liability.
Legacy Dealer Management System and Accounting Software Sync
When a deal is structured, a connected system should know about it immediately. We build secure middleware that syncs your finance platform directly with your legacy dealer management system (DMS) and accounting software. This way, the numbers flow automatically into sales, accounting, and inventory without manual entry.
Bring us your current workflow. We’ll show you where it’s slowing you down and what a custom build would recover
There’s a version of the F&I office where the software automates the day-to-day tasks needed in a car dealership, and your managers focus on the customer. Here’s what we engineer to get there.
The back-and-forth between the sales floor and the F&I office has a cost. We build custom desking modules, powered by AI, that let your team structure deals in real time, adjust terms on the fly, and present multiple scenarios side-by-side. AI-powered desking tools help managers personalize offers and increase back-end profit by up to 15%.
A static brochure doesn’t know anything about the buyer. We build interactive menu selling technology that facilitates the presentation of F&I products to increase the profit per vehicle sold. It pulls from the vehicle’s risk profile and the buyer’s data to surface the right products (e.g., GAP, VSC) at the exact right moment.
Waiting on a credit decision is a preventable way to lose a deal. Digital tools enable rapid credit approval and e-contracting, reducing the time a customer spends in the office. We build custom decision engines that automatically vet applications against your lender portfolio, pre-qualify leads, and route submissions to the right lender instantly.
A compliance gap doesn’t announce itself until it’s a liability. Finance software ensures compliance with complex industry regulations, tax laws, and consumer protection requirements. We build automated compliance checks that ensure every deal meets federal and state-level regulations. They go with real-time audit trails and automated document checks running continuously. When an audit comes, you’re ready.
Reserve shouldn’t be a mystery. We build centralized dashboards with customizable reporting tools that track every contract from submission to funding. You see where your cash flow stands, view specialized reports to identify high-performing inventory, and see which lenders are moving fast.
higher credit approval rate
days reduction for contracts-in-transit
boost in service contract sales
compliance penalties
The contract stage shouldn’t be where the deal slows down. We’ll show you how to fix that.
Back-end profit doesn’t protect itself. The systems running your F&I office either defend your margins or quietly erode them. Here’s why our management system DMS solutions stand out.
You own it without per-click penalties and per-user fees
Generic F&I tools charge you for your own growth. New managers, locations, and additional lender integrations cost more. We build on a CapEx model: one investment, full IP ownership. Everything after the ROI break-even is the revenue you keep to boost profitability.
Credit decisioning that finishes before the customer does
The longer a customer sits waiting, the more time they have to reconsider. Our decision engines process credit applications and match lenders 36% faster than standard tools. Your managers get an answer back while the buyer’s momentum is still intact, greatly improving the customer experience.
Compliance that runs in the background
Automated tools reduce human error in legal compliance, tax reporting, and document storage. We build compliance directly into the architecture: automated document checks, encrypted digital vaults, and continuous audit trails. Every deal is clean before anyone asks to see it.
Your DMS keeps running, so does your floor
Syncing new F&I software with a legacy DMS isn’t something your sales desk should feel. We build secure middleware that connects with your existing systems without touching live operations. Data moves automatically, your team keeps closing, and the cutover happens entirely behind the scenes.
$512,800 Unlocked Through F&I Workflow Automation
A regional dealership group was losing margin to slow funding cycles. We engineered a custom F&I solution that integrated directly with their legacy DMS and lender portfolios. By automating credit submissions, our team eliminated paperwork bottlenecks, reduced operating costs by improving efficiency, and recovered over half a million dollars in previously lost annual margin.
Auto lending fraud losses reached $9.2 billion in 2024, prompting software to provide critical defensive layers. We build AI-driven fraud detection tools that automatically flag synthetic identity fraud. Encrypted digital vaults restrict access by role, keeping sensitive customer records sealed against external breaches and internal exposure.
Speed without compliance is a liability. Compliance without speed is a bottleneck. Here’s how we build for both and consistently deliver in half the time the industry expects.
Ensure the increased potential of business ideas and enable its competitive abilities on the market with our custom web solutions.
Elevate your brand's presence on the market with our experience in mobile app development services.
Implement your business idea and create the best solutions ever to satisfy your target users’ needs consulting with our experts.
Give your business a chance to differentiate and earn the attention of investors with the power of our eye-catching designs.
Embody your vision of QA business goals by starting with discussion and improvements of an idea with our team.
Identify risks, limit damage, and avoid financial losses with a full range of cybersecurity services and solutions.
Extract valuable insights from data and apply effective solutions with our data science analytics services.
Build the world’s finest software solutions and thrive in an increasingly competitive landscape with our AI/ML development services.
There are many opportunities that new technologies are giving to us.
Inoxoft is a python web and mobile development company. We offer high-quality web solutions in this programming language.
Inoxoft projects are mostly based on .NET and having realized 80 software solutions.
Javascript has efficient frameworks and you can certainly take advantage of one of them, namely Node.js.
Rich user interfaces are the ones created with ReactJS development services.
Though being a relatively new technology, React Native has earned a positive reputation.
iOS mobile app development services significantly helps businesses thrive.
Our app development company helps clients worldwide to start mobile development for their business.
The compliance audit, the prototype, and the lender integrations start with one conversation
The biggest drag on cash flow in most F&I offices is the time deals spend sitting in transit waiting on banks. Incomplete jackets, manual document checks, and lender submissions that go out with errors add days to the funding cycle. We automate the verification process so that by the time a contract reaches the lender, it's error-free. Our clients typically see deals funded up to 3.5 days faster.
It can. Generic menu presentations show every customer the same products. On the contrary, a data-driven menu pulls from the buyer's profile and the vehicle's risk characteristics to surface the products relevant to that specific deal. Logic-based approaches naturally increase service contract penetration because the product fit makes sense to the buyer.
Yes. Our car dealer finance software can integrate with various third-party applications to enhance functionality. We build direct API integrations with Equifax, Experian, TransUnion, RouteOne, Dealertrack, and a broad network of lenders. Your managers initiate a credit pull and get real-time approval status back without leaving the dashboard. The whole process runs from a single interface.
Yes. Many car dealer finance software solutions offer mobile app functionality to manage operations on the go. We can build dedicated mobile apps or responsive portals that allow your team to check deal statuses, review stipulations, or manage internet leads remotely from their own devices.
We do this without asking your team to stop doing their jobs. Our engineers run the new system in parallel with your existing desking tool, verifying data accuracy in the background. Your sales floor doesn't miss a deal during the transition, and your team doesn't have to learn a new system under pressure while deals are live.
Absolutely. Finance software bridges the gap between online research and in-store purchases. Customers can apply for credit, explore payment options, and even sign documents remotely from their own devices, ensuring a seamless omnichannel experience.
Nothing changes hands because nothing was ever ours to begin with. You own the database, the codebase, and every piece of customer PII. If you bring in an internal IT team or switch vendors, you have everything you need to make that move without asking our permission or waiting on a data export. There's no lock-in by design. We also provide dedicated customer support and training to ensure your team is fully self-sufficient upon handover.
