The desk keeps the call. The AI does the math.

A live multi-pencil that runs every tier, residual, money factor, and rebate stack in parallel. Desk managers see the full deal landscape in 1.4 seconds. The customer never sees the screen. The decision stays with the desk.

Request access See a live pencil
1.4-second multi-pencil Month-to-month Live in 14 days
// ev.deal.penciled 2024 RX 350 · M. Reyes
14 lenders · 1.4s
01 Honda Financial 72 · 5.4% $687 +$1,420
02 Ally Bank 72 · 5.9% $702 +$1,280
03 Capital One 75 · 6.2% $684 +$1,150
04 Lease · Honda 36 · 0.00184 $489 +$880
recommendation Lead with 01 · backup lease · +$447 vs last pencil
The shift

Your desk has the experience. They don't have the time to run every scenario.

A customer is sitting at the desk. The deal needs to work. The desk manager has six lenders to consider, four rebate programs to stack, three term lengths, and a customer who wants an answer. Most desks pick two and move on. The other twelve scenarios never get tested. That's the spread.

Before

One pencil. Two scenarios. The customer is waiting.

The desk picks the obvious lender, runs the obvious term, sees one number. If the customer pushes back, the desk runs a second pencil. Maybe a third. The fourth lender that would have made the deal sing? Never gets tried. The desk is doing math under pressure with a customer staring at them.

2.1 Median pencils per deal
~67% Of viable lender combinations never tested
After

Fourteen pencils. Ranked. In 1.4 seconds.

The deal enters the system. Deal Desk runs every active lender, every rebate stack, every term length the customer qualifies for. The desk sees them all ranked by gross retained, customer payment, and back-end opportunity. The desk picks. The customer never knows the difference, except the number is better.

1.4s Multi-pencil across every viable lender
+$447 Median gross retained per deal vs single pencil
The cockpit

One screen. Every viable deal. Ranked.

This is what the desk manager sees. Every lender that returns a tier. Every rebate program that stacks. Every term length the customer qualifies for. Sorted by gross retained, with the recommendation called out. The customer is across the desk. The numbers are on the screen. The decision belongs to the desk.

// deal.id · DLR-447821 2024 Lexus RX 350 · Maria Reyes FICO 712 · 60% LTV · trade payoff $14,200 · cash down $3,000
14 lenders · 1.4s multi-pencil · signed under ACP
Rank Lender Term Rate Customer pmt Back-end room Gross retained
01 Honda Financial 72 mo 5.4% $687 $2,400 +$1,420
02 Ally Bank 72 mo 5.9% $702 $2,100 +$1,280
03 Capital One Auto 75 mo 6.2% $684 $1,800 +$1,150
04 Honda Lease 36 mo · 0.00184 MF — $489 $1,200 +$880
05 Chase Auto 72 mo 6.4% $709 $1,650 +$1,020
06–14 Nine more lenders below threshold · expand to view
// recommendation Lead with Honda Financial 72 at 5.4. Customer payment within target. Honda lease as backup if customer pushes for lower pay, preserves $880 gross. Vs last pencil: +$447 retained.
rebates.stacked Loyalty $500 + Conquest $750 + Finance $1,000 protection.eligible VSC · GAP · pre-paid maintenance
What it does

Three jobs the desk has always done. Now done in parallel, in seconds.

01 . Lender placement

Every lender. Every program. Every tier. Ranked.

Deal Desk runs the deal against every lender the dealership uses, with every active rebate and incentive program layered in. Sub-prime, prime, captive, credit union. Each result is ranked by gross retained, customer payment, and back-end opportunity. The desk manager sees the landscape, not just one pencil.

Honda Financial Ally Bank Capital One Chase Auto USAA Westlake PenFed CU Wells Fargo Honda Lease Toyota Financial +4
02 . Rebate stack

Every rebate program. Every eligibility rule. Stacked correctly.

OEM rebates, loyalty programs, conquest cash, military, college grad, finance bonus, lease loyalty. Each program has its own eligibility rules and stacking restrictions. Deal Desk reads the customer profile, applies every program the customer qualifies for, and stacks them in the order that maximizes retention. The desk doesn't have to memorize the matrix.

Loyalty+$500
Conquest+$750
Finance bonus+$1,000
Stack total+$2,250
03 . Back-end room

Show the back-end opportunity before F&I sees the customer.

Deal Desk projects VSC, GAP, pre-paid maintenance, and tire-and-wheel into every pencil based on the customer's profile, the lender's advance limits, and the dealership's PVR targets. The desk sees the front-end and back-end together. F&I picks up a deal that's already been positioned correctly.

VSC eligible$1,400
GAP eligible$600
Pre-paid maint.$400
Back-end room$2,400
Plumbing

Already wired to the systems your desk already uses.

No rip-and-replace. Deal Desk reads from your CRM and DMS through ACP, writes signed deal events back, and shows up as a co-pilot in the existing desk workflow. Lender pipes stay where they are.

CRM & DMS

  • RouteOne
  • DealerTrack
  • CDK Drive
  • Reynolds & Reynolds ERA
  • Tekion

Captive lenders

  • Honda Financial
  • Toyota Financial
  • Ford Credit
  • GM Financial
  • Hyundai Capital

Bank / indirect

  • Ally Bank
  • Capital One Auto
  • Chase Auto Finance
  • Wells Fargo Dealer Services
  • Westlake Financial

Credit unions

  • PenFed
  • USAA
  • Navy Federal
  • State Employees CU
  • Local CU network via CUDL
What the desks see

Trailing 90 days across active deployments.

+$447 Median gross retained per deal vs single-pencil baseline
1.4s Multi-pencil across every viable lender
14 Median lenders evaluated per deal
+18% Backend PVR lift on deals routed through the cockpit

Active deployments on 9 rooftops. Median metrics from trailing 90 days, deals where Deal Desk surfaced at least 5 lender alternatives.

Field manual

Questions from the desk.

01 What is an AI deal desk for car dealerships?

An AI deal desk is a co-pilot for F&I desk managers that runs every lender tier, residual, money factor, and rebate stack in parallel and surfaces the full deal landscape in real time. The desk manager still owns the call. The AI does the math.

02 Does the customer see the AI?

No. The AI deal desk runs entirely on the desk manager's screen. The customer sees the same desk manager they have always worked with, with cleaner numbers and faster turns.

03 How is this different from a desking tool?

Traditional desking software (RouteOne, DealerTrack, CDK) shows one scenario at a time. The desk manager picks lenders, runs the math, sees one result, then changes inputs and runs it again. AutomotiveAI Deal Desk runs every viable lender, every rebate stack, and every term length simultaneously and ranks them by gross retained, customer payment, and back-end opportunity.

04 Will it work with my CRM and DMS?

Yes. AutomotiveAI Deal Desk reads from your CRM and DMS via ACP and writes signed events back. Tested on RouteOne, DealerTrack, CDK Drive, Reynolds and Reynolds ERA, and Tekion. No rip-and-replace.

05 How long does it take to deploy?

Live on the desk in 14 days. Lender mapping, rebate program ingestion, and DMS integration happen in the first week. Desk managers train in two sessions.

06 What does it cost?

$997 per month per rooftop. $1,297 per month for multi-store groups with three or more rooftops. Month-to-month, no annual contract.

// The future

Run your dealership on the AI revenue engine the industry runs on.

A 30-minute demo on your live data. Custom ROI for your store. No procurement gauntlet.

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