Unify your F&I operation. One platform. Faster deals, better compliance, higher profits. AiF&I replaces 5 to 8 fragmented F&I systems with one AI-powered platform. Built by dealers, for dealers.
Every dealership runs F&I on 5 to 8 disconnected systems, manual paperwork, and tribal knowledge that walks out the door at 32% annual turnover. The result: leaked revenue, slow deals, frustrated customers, and compliance exposure that scales straight into eight-figure settlements.
Per dealership in admin overhead, redundant data entry, and rework across the 5 to 8 disconnected F&I systems most stores juggle daily.
Tribal knowledge walks out the door every year. When the star manager leaves, performance drops the same week.
The April 2026 FTC and Maryland AG settlement with Lindsay Automotive Group: $3.1M civil penalty plus more than $75M in consumer restitution, $78M+ combined. California's SB 766 takes effect October 1, 2026. Executives are now being named personally in complaints.
F&I Compliance Just Got Personal. The full 16-page regulatory update for dealer principals and F&I directors.
AiF&I unifies deal structuring, compliance, and performance into one intelligent surface, with a real human-in-the-loop F&I manager always in command. Built around the people who actually run the floor.
Stage-by-stage deal jacket with live compliance gating. Kai surfaces menu suggestions matched to the customer, the OEM, and the lender that just approved them.
PVR per manager. Penetration by product. Compliance gates, exception queues, and reporting that answers the question in plain English.
The proprietary RAG layer. Handbooks, talk tracks, lender rate sheets, state disclosure requirements, and live deal data, all available to every agent in the platform.
Five specialized agents (Deal Architect, Compliance Guardian, Rate Aggregator, Performance Coach, Customer Advocate) coordinated by the Dealer Brain, with sliders for assertiveness, PVR optimization, and customer sensitivity. Every store runs differently. So does Kai.
Real-time PVR with peer benchmarks. Lender mix recommendations. Per-deal coaching grounded in what actually works for the customer in front of them.
Only 5% of customers say F&I has their best interests at heart. AiF&I puts a dedicated agent on the customer's side: a dealership-branded avatar that reads the person in front of it and adapts language, pace, and depth of explanation to match. Your F&I manager supervises every session, one tap away.
The customer picks the payment target and the pace. The Advocate builds the presentation around both.
Menu options and federal and state disclosures explained inline, in their language, at their depth. Nothing buried in a packet.
Every decision documented as it happens. A process designed to lift CSI, raise penetration, and cut chargebacks.
Tune monthly volume and current PVR. The full calculator models PVR uplift, compliance savings, labor recapture, turnover reduction, and CSI impact across five years.
Five-year value, year-1 ROI, break-even week, driver-level breakdown. Tune every assumption to your actual deal volume.
Built by dealers, for dealers. The Letsios family didn't study this market. They ran it. 30+ years on dealer floors. 20 years at the F&I desk. Every system AiF&I replaces, they've used.
Real-time deal structuring, cross-lender rate comparison, and AI-tailored menus lift PVR on every deal. Higher penetration. Higher conversion. More profit per vehicle.
Continuous monitoring, automatic disclosures, and audit-ready trails on every deal. Recent FTC enforcement has produced settlements exceeding $75M in consumer restitution, with executives named personally in complaints. AiF&I keeps your team protected.
Your team performs whether the star is in the seat or not. The Dealer Brain captures institutional knowledge so expertise stays with the dealership when people change. Turnover stops hurting.
Pre-trained on F&I best practices. Modern architecture designed to integrate with existing DMS, credit platforms, and compliance tools. Phased rollout matched to dealership readiness.
Deal Architect, Compliance Guardian, Rate Aggregator, Performance Coach, and the customer-facing Customer Advocate work together under the Dealer Brain. Specialized AI for each part of the deal, coordinated as one intelligent layer.
One contract instead of eight. Pricing tools, compliance monitors, deal coordinators, document generators, and lender portals consolidated into a single AI-powered platform that keeps the data clean.
Most automotive software startups die on a 6-to-9 month dealer sales cycle. AiF&I lands where The Dealer's Concierge is already trusted, with confirmed commitments before general availability.
Marina and Nick didn't study this market. They ran it. 20 years at the F&I desk. 30+ years across multiple dealer rooftops. Every system AiF&I replaces, they've used. Every audit it automates, they've sat through. Every customer it serves, they've sat across from.
The room next to the showroom drives a third of dealership profit and runs on tools that haven't changed in twenty years. Read the AiF&I take on what's breaking, what good looks like, and how the right kind of AI gives F&I managers a fair fight.
The design partner program is launching with confirmed dealer commitments through The Dealer's Concierge network. Join the waitlist to shape AiF&I before general availability.
