Vehicle Selection. Solved.

Streamline works in any dealership to eliminate friction in sales and finance. We solve issues related to incorrect vehicle selection by aligning customer affordability and lender underwriting guidelines.

With Streamline save time, increase profits, improve CSI, and create stronger lender relationships. Win. Win. Win.

Mazda7

Customers


There's no one-size-fits-all approach to sales and finance

Dealers and customers rely on lenders for loans. The embarrassing truth is dealers (and customers) don't know what a customer can afford and/or get approved for. Many times, deals are structured and submitted to multiple lenders with an "eye's closed, fingers crossed" mentality. This naturally makes dealers reactive. Now trying to save the deal, the dealer will do everything they can, even cut the deal, to ensure the customer doesn't walk. More often, the dealer loses the customer and deal altogether. This is what we call "The Great Train Wreck".

Most consumers rely on financing to purchase a vehicle, and over 70% of customers have affordability or budget concerns. Streamline starts there, making vehicle selection easy.

Non-Prime Shopper

It’s awkward and inefficient when customers start out looking at vehicles they can’t afford or get approved for. 40% of borrowers have non-prime credit. Improper loan structure & collateral translates to higher lender risk. Higher lender risk results in an increase in interest rates, dealer bank fees, and lender stipulations. The result is less deliverable approvals or workable conditions. Streamline lets you show subprime shoppers vehicles they will get approved for, on terms that are good for them, the lender and your dealership.

High LTV or No Down Payment

Some shoppers have good credit but don’t have a down payment, or even worse – have negative equity in their vehicle. Even though it looks like they should get financed, these customers have an affordability challenge. Lenders may see them as over-financed, giving them bad terms or a rejection.

High Earning Potential or Limited Credit History

Some customers are young or have debt because they’re a recent graduate of college or professional school. These customers are ready to pay off loans and establish credit, but have trouble finding the right vehicle.

Knows What They Want

Even buyers with good credit have monthly budget constraints. They know their budget, and they won’t be upsold. They rely on the dealer to guide them through vehicle selection, to meet their budget. Streamline quickly shows them the exact vehicles they want, without selling them "too much" vehicle.

Our Solution


How it works.

Streamline helps manage expectations throughout the entire sales process from Salesperson through Finance.

Sometimes, finding the right vehicle can be like finding a needle in a haystack.

Your salespeople might be experts at selling, but imagine what they could do if they could reduce the friction in vehicle selection. Streamline speeds up the process and gives salespeople the confidence to help all customers. A salesperson simply enters two things: Credit Tier and Monthly Income. Then they can quickly sort through an inventory of any size to find vehicles their customer can afford.

Your sales manager has the expertise. Streamline has the data.

All managers want to close more deals – that’s why they were great at as salespeople. But now, they have more things to consider. Streamline empowers managers. Using Streamline, managers can make sales happen exponentially quicker without sacrificing profitability. Streamline gives them key data to make key decisions that are important to their dealership's goals. Whether it's generating incremental sales, preserving margins, optimizing profits, reducing aged inventory or minimizing potential losses, the information is right at their fingertips.

Proper vehicle selection leads to proper deal structure.

Most lenders scoring models are structure driven. Give lenders and their credit analysts more attractive deals from the start. Streamline helps avoid the “Red X” or auto-decline, and moves the loan application upstream to lenders with more favorable loan terms. Make more deals, sell more product, and improve dealership-lender relationships by making everyone’s job easier.

Salesperson

Sometimes, finding the right vehicle can be like finding a needle in a haystack.

Your salespeople might be experts at selling, but imagine what they could do if they could reduce the friction in vehicle selection. Streamline speeds up the process and gives salespeople the confidence to help all customers. A salesperson simply enters two things: Credit Tier and Monthly Income. Then they can quickly sort through an inventory of any size to find vehicles their customer can afford.

Manager

Your sales manager has the expertise. Streamline has the data.

All managers want to close more deals – that’s why they were great at as salespeople. But now, they have more things to consider. Streamline empowers managers. Using Streamline, managers can make sales happen exponentially quicker without sacrificing profitability. Streamline gives them key data to make key decisions that are important to their dealership's goals. Whether it's generating incremental sales, preserving margins, optimizing profits, reducing aged inventory or minimizing potential losses, the information is right at their fingertips.

Lender

Proper vehicle selection leads to proper deal structure.

Most lenders scoring models are structure driven. Give lenders and their credit analysts more attractive deals from the start. Streamline helps avoid the “Red X” or auto-decline, and moves the loan application upstream to lenders with more favorable loan terms. Make more deals, sell more product, and improve dealership-lender relationships by making everyone’s job easier.

UNDER THE HOOD


What makes the difference.

Streamline's Affordability Engine drives the process. With a few simple inputs, we do all the heavy lifting. We're able to search your live inventory for vehicles that align customers affordability with lender underwriting guidelines at every point in the sale.

Shop By Budget

Just a few simple inputs generates a list of vehicles that match your lender portfolio.

Lender Callback

Optimize lender call backs and achieve customer budget constraints with vehicle selections in seconds.

Learning Link

Educate the customer on auto loan concepts, ensuring a consistent and transparent experience. Align expectations so sales, management, and the customer are on the same page.

Lender Navigator

Declined or conditioned? There are two parts to a deal: the Customer and the Deal. Lenders are often OK with the Customer, but decline or condition loans because of the Deal. Streamline allows the dealer to reselect vehicles that are specific to lender underwriting guidelines. Imagine a world where multiple lender programs live in one place, and in a few clicks you can be confident your lender will approve the Customer and the Deal.

Testimonials

Very simple to use. I use it on almost every subprime deal. We’ve also given sales people access to the tool to help customers find a car.

David Lammons
Sales Manager
Joe Bullard | Infiniti of Mobile

Streamline is a great tool to efficiently and strategically capture subprime business.

Joshua Halford
General Sales Manager
Greenway Automotive

Great tool - highly recommend to anyone that wants to put more deals together and make a lot more profit.

Jim Morse
General Manager
Matthews Auto Group

Streamline is a great tool to efficiently and strategically capture subprime business.

Joshua Halford
Used Car Sales Manager
Greenway Automotive Group

The process is so much easier when landing the customer on the right vehicle quickly. More efficient for the dealership and customer, with higher gross and better customer satisfaction.

Justin Rojek
Director of Variable Operations
West Herr Automotive Group

Streamline is a game changer not only for the customer but for the sales person trying to find that right vehicle and the right fit for the hard to finance customer.

James Congdon
Sales Manager
Burritt Motors

We have enjoyed growing our staff's finance IQ overnight. Boosted opportunities by leveraging our inventory's full profit potential.

Phil Boskovski
Sales Manager
Drivers Village

Using Streamline, we received a variety of vehicles that matched our budget and needs via text instead of walking the entire car lot. At the end, we walked off the lot with a vehicle in 2.5 hours!

Mr. & Mrs. Wallace
Customer
Off Lease Only

OUR STORY


By dealers, for dealers

We, at West Herr Auto Group, developed Streamline to solve the problem of vehicle selection and manage customer expectations. Best of all, this solution was found to scale from small, single-point dealerships to dealer groups of West Herr's size, and even national auto groups.

Photo of West Herr's used car dealership.

With 30+ rooftops, we have thousands of vehicles for customers to choose from. Sounds great, right? Near endless options. What we learned in practice is that customers have a higher probability to land on a vehicle the bank won't approve them for than a bank-friendly vehicle.

The bigger problem was explaining to customers why most cars in our inventory don't work, and getting them to believe us. We've also learned that most customers come to us with a budget, regardless of their credit score, and they want to spend less time at the dealership.

We created the Affordability Engine that can be used during any stage of the sales process: Shop by Budget, Lender Callback, and Lender Navigator. With a few simple inputs we're able to align customer affordability and credit, with our dealership's inventory.

This breakthrough allowed West Herr to leverage vehicle inventory to increase credit approvals while exceeding customer expectations of the car buying process. During this time we also doubled our closing ratio and increased profits by 70% for the non-prime segment, and decreased transaction times for all customers regardless of their credit history.


For more information on how Streamline can support your Dealership's operations, schedule a time to meet with our team.


The Problem

With 30+ rooftops, we have thousands of vehicles for customers to choose from. Sounds great, right? Near endless options. What we learned in practice is that customers have a higher probability to land on a vehicle the bank won't approve them for than a bank-friendly vehicle.

The bigger problem was explaining to customers why most cars in our inventory don't work, and getting them to believe us. We've also learned that most customers come to us with a budget, regardless of their credit score, and they want to spend less time at the dealership.

The Solution

We created the Affordability Engine that can be used during any stage of the sales process: Shop by Budget, Lender Callback, and Lender Navigator. With a few simple inputs we're able to align customer affordability and credit, with our dealership's inventory.

The Results

This breakthrough allowed West Herr to leverage vehicle inventory to increase credit approvals while exceeding customer expectations of the car buying process. During this time we also doubled our closing ratio and increased profits by 70% for the non-prime segment, and decreased transaction times for all customers regardless of their credit history.

Schedule a demo


For more information on how Streamline can support your Dealership's operations, schedule a time to meet with our team.


Ready for a demo?