Direct-Routes analyzes your customer's full credit profile and deal structure, then ranks every lender in your network by approval likelihood — in seconds. One targeted submission. No unnecessary hard inquiries. More funded deals.
Most F&I managers guess which bank to send a deal to. They find out it's wrong after a hard pull — sometimes after four or five of them.
Every bank submission triggers a hard inquiry. Shotgunning a deal to four lenders can drop a customer's score 20–30 points — enough to flip an approval into a decline on the very next submission.
You spend 30–45 minutes structuring a deal, then get a decline for something that was knowable upfront — wrong bureau, LTV cap exceeded, mileage too high. Direct-Routes catches it before you submit.
Lender guidelines change constantly. Most managers carry them in their head — and one outdated assumption means a submission that never had a chance. Direct-Routes keeps every lender's real criteria in one live database.
Credit score, income, vehicle info, and deal structure — the same information you're already collecting at the desk.
No hard inquiry at this stage. The customer's credit score is fully protected while Direct-Routes works.
DTI, LTV, mileage caps, bureau requirements, and program overlays all scored against every lender — simultaneously.
One targeted submission to your ranked best-fit lender. One hard pull. Dramatically higher approval odds.
Direct-Routes was designed around the same workflows F&I managers use every day — not built by software engineers who've never worked a deal. The interface, the language, and the logic all come from the F&I world.
Customer on the left, vehicle on the right. Same mental model you already use — no retraining required.
"Submit first," "2nd option," "Decline" — the words of your world, color-coded green, blue, and red just like you'd expect.
When a rate sheet updates, you update it yourself in two minutes. No developer, no support ticket.
| # | Lender | Decision | Strength | Est. APR |
|---|---|---|---|---|
| 1 | Numerica CU Experian |
▶ Submit first | 5.99% | |
| 2 | GESA Credit Union Equifax |
2nd option | 6.24% | |
| 3 | STCU Experian / Equifax |
Alternate | 6.99% | |
| 4 | HAPO Community CU TransUnion / Equifax |
Alternate | 7.24% | |
| 5 | WSECU LTV 118% exceeds 110% max |
Decline | — |
All 12 of your lenders loaded with real credit tiers, LTV caps, mileage limits, and bureau requirements. Update any field yourself when a rate sheet changes — no developer needed.
Calculates DTI and LTV automatically from the deal structure you enter, then scores every lender simultaneously against all criteria — not just credit score.
High mileage penalties, negative equity on trade-ins, DTI over limit, subprime score alerts — all surfaced before a single hard pull.
HAPO rejects Experian. STCU rejects TransUnion. Direct-Routes knows which bureau every lender requires and flags mismatches automatically.
Every deal you run is saved with customer name, score, vehicle, best lender, and estimated rate. Track patterns, review past decisions, and build your knowledge base.
Not just a ranked list — a clear explanation of why each lender was ranked where it was, so you can walk the customer through the decision with confidence.
Simple, flat monthly pricing per store. No per-deal fees. No contracts. Cancel anytime.
The average dealer earns $1,500–$2,500 per funded deal in F&I gross. At $199/month — $2,388/year — Direct-Routes pays for itself the first time it turns a likely decline into a funded deal. That typically happens in week one.
We're onboarding a small group of early access dealerships. Get in early, lock in early pricing, and help shape the product.
No credit card. No commitment. We'll reach out within 24 hours.