AutoFi provides a cloud‑based platform that unifies automotive retail and finance workflows, allowing dealers to present guided pricing on tablets or browsers and automatically route credit applications to the optimal lender. The solution integrates with major DMSs and APIs such as RouteOne and DealerTrack, delivering real‑time decisions, profit controls, and compliance reporting for franchised, independent, OEM, and marketplace customers.
Funding
$85M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
SUFounders
Product
Problem
Dealerships face fragmented sales workflows that split the customer journey between online portals and showroom interactions, leading to delays, inconsistent pricing, and reduced profit margins. Simultaneously, tighter lender criteria and constantly shifting interest rates make it difficult to route credit applications efficiently, resulting in lower approval rates and longer cycle times. The lack of a transparent, guided experience also widens the trust gap with digitally native buyers.
Solution
AutoFi delivers a unified digital retail and in‑store platform that synchronizes the entire automotive sales process under a single, configurable workflow. Sales representatives can present guided, customer‑facing pricing screens on tablets or web browsers, ensuring consistent deal structuring and real‑time profit controls. Integrated credit‑application tooling captures soft or hard pulls and leverages proprietary Intelligent Lender Routing to match applicants with the optimal lender from a network of 40+ partners, delivering instant decisions. The system pushes finalized deals directly into the dealer management system (DMS) and supports seamless handoff to F&I teams, preserving data integrity and compliance. Built‑in SOC 2 Type II security, API connectors to RouteOne, DealerTrack, and DSGSS, and a cloud‑hosted analytics layer provide auditability and performance insights. This end‑to‑end solution reduces time‑to‑first‑pencil, boosts approval rates, and restores buyer confidence across both digital and physical touchpoints.
Target Audience
Primary customers are franchised and independent automotive dealerships seeking to modernize their sales and finance operations, as well as OEMs or online marketplaces that require a white‑labeled, compliant financing layer.
Features
- Configurable, store‑aligned workflow engine with deal templates and smart offer logic for instant profit guardrails
- Integrated credit‑application module supporting soft/hard pulls, real‑time data validation, and automatic routing to the optimal lender via Intelligent Lender Routing
- Guided presentation UI delivered on customer‑facing tablets or web screens, enforcing pricing rules and transparent deal visualization
- Seamless DMS integration and bidirectional deal sync, enabling instant handoff to F&I managers without manual re‑entry
- SOC 2 Type II certified data security with end‑to‑end encryption and role‑based access controls
- API connectors to RouteOne, DealerTrack, and DSGSS for compliance automation and reduced data entry
- Cloud‑hosted analytics dashboard offering deal performance metrics, approval rates, and profit uplift reporting
- OEM and marketplace white‑label SDK allowing brands to embed AutoFi’s finance innovation within their own digital experiences