Lender Management Solutions

e-Director™ is a proprietary lender management application designed to assist automobile, RV, marine and powersport dealerships in obtaining the best prime and subprime lenders for every deal. It compares lender rates, terms, front and back-end advances, and flats allowing you to maximize your finance deals.
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The Problem

Every lender uses different criteria for determining the rate and term for each loan. Lenders use different credit bureaus which produce varying customer credit scores by as much as 100 points.

Some lenders use invoice on new cars, others will use MSRP. The same for used cars, where you have NADA retail or wholesale, as well as KBB retail or wholesale. KBB or NADA retail and wholesale values can be different by thousands of dollars.

With all these different variables and criteria between lenders it is extremely challenging if not impossible to find the best lender for each deal.

Problem solved

Our Solution

We store and sort all lender rate sheet data in one easy to use application. Simply input the customer information and deal information and a report is generated instantly itemizing which lender provides the customer the best rate and term. You can also see which lender allows the biggest advance, flats, backend products and final payment to the customer.

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Speed up finance process, enhancing customer experience

Features

Accelerate Closing

Speed up finance process, enhancing customer experience

Maximize Profits

Maximize front end profit on every deal based on loan to value allowed by each lender

Increase Backend

Sell more backend products - clearly lists maximum allowable per product

Subprime Tool

Find the exact lender that will finance your bad credit deals

Convert More Finance Deals

Convert more outside finance and cash deals to in house finance deals

Inventory Search

Find the best and most profitable vehicle in your inventory to sell

Customer Satisfaction

Reduces chargebacks, re-signs and CIT issues.

Lender Performance Report

Compare lenders performance based on your dealerships actual deals

Just Released

Subprime / Rehash Tool

Find the best Subprime lenders for each deal

See which lenders are better for a subprime deal and why they will or will not accept the deal.

Income Calculator

Easily determine how much income a customer has regardless of whether they are paid weekly, bi-weekly, hourly, etc.

Calculat PTI & DTI Accurately

Quickly see what the PTI & DTI are so you can see how close a deal is to getting bought by a subprime lender.

See How We Did

Audit Results

Audit Report for a Northwest Mercedes-Benz Dealership

13% Increase in VSC sales

$498 Increase in Per Vehicle Retail

Before e-Director®

Per Vehicle Retail $1524 - 40% VSC penetration

After e-Director®

Per Vehicle Retail $2026 - 53% VSC penetration

Audit Report of 2 Northwest Dealership Managers

F&I Manager:


Desk Manager:


Total Dealership:
(includes all Managers)

Before e-Director®

Per Vehicle Retail $1113

Per Vehicle Retail $1427

Per Vehicle Retail $1610

After e-Director®

Per Vehicle Retail $1919

Per Vehicle Retail $1854

Per Vehicle Retail $1806

Dealership saw increases in both Products Per Deal and Per Vehicle Retail!

Utilizing e-Director™ in our stores has led to an increase in front end as well as back end profitability. It has sped up the process to get customers into finance, we have had less chargebacks and less resigns. It instills confidence in new F&I managers and desk managers to just focus on selling and less time figuring out which lender to use. Having the rate sheets right at your fingertips lets me know we are using the most accurate and up to date interest rates.

Sam Madison
Gee Automotive Corporate Finance Director

We had a Prime deal with a trade that was submitted to our normal channel of lenders and the customer was committed to a $400 payment. The salesman was boxed out and got a T/O from the Sales manager. He was able to bump the trade and the deal was closed. Unfortunately, the deal was stripped due to payments.

But using e-Director™, we were able to find Axos as the lender that would go 84 and even 96 months. The finance manager was able to get Warranty/Gap and make a $2,464 Deal Backend instead of Zero!!!

Nelson Yekora
Director of Finance for HGreg

e-Director™ worked for us instantly not only adding hundreds to thousands of dollars of improvement on deals, but helped us make more deals too. If you want to make 10 to 100 times your money back, sign up today! There is no perfect finance or sales manager. Eliminate blind spots with e-Director™.

Adam Murray
Beaverton Nissan

e-Director™ is a solution that gives me confidence that we are maximizing every opportunity we have in the business office. The launch and support offered by their team has been fantastic. I would enthusiastically recommend e-Director™.

Chris Rembaugh
Partner, Corwin Auto Group

e-Director™ continues to amaze us! Today we had a customer that was pre-approved at there own credit union. The approval was for 100% of retail OTD at a 6.99 rate for 72 months. The collateral was a 2014 110k mile diesel truck. The customer was not looking to put any cash down. We were faced with a total profitable deal of $1827 without the ability to add a service contract or gap.

That was until we loaded the scenario into e-Director™... and Bam! We instantly had a lender who would allow us to advance 120% of retail +++. e-Director™ helped us take a $1827 deal and turn it into a $7800 deal and sell the customer a much needed service contract, all while giving the customer a 4.99% rate and paying the dealership a 1.5% flat. Paid for e-Director™ in 1 deal and made a true believer out of our staff!

GM in Portland, OR
Just Released

Introducing my-Director

Simplify Financing for the Consumer

my-Director simplifies vehicle financing for the consumer through the dealership's website.

Transparency for the Customer

It provides the consumer direct access to the dealership's preferred local lenders.

Lead Generator

my-Director assists the dealership in capturing the consumer's financing while generating a lead to the dealership on a VIN specific vehicle.

Streamline Finance Process

The goal of my-Director is to streamline the finance process for the consumer and increase profitability for the dealer.

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The Founders

Nate Doggett

CEO / Founder

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Brett Davis

Chief Technology Officer / Founder

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Tara Doggett

Director of Data Operations / Founder

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