Deal Management
From first credit app to funded, without the paper chase
Build the deal, figure taxes and fees, add F&I products, send it to several lenders and track every stipulation, in the same app where your leads and inventory already live.
Deal #1042 · Marcus Reed
2018 Honda Accord Sport · Co-buyer: Erin Reed
Deal structure
- Selling price
- $18,995
- Doc fee Taxable
- $299
- Title & registration
- $135
- Service contract F&I
- $1,495
- GAP F&I
- $595
- Sales tax
- $912
- Trade equity
- −$2,400
- Down payment
- −$2,000
Proposed
9.75% · 72 mo
Approved
6.90% · $306/mo
Lender submissions
- C Credit Union A Declined
- B Bank B Approved
- F Finance Co. Approved w/ stips
Stipulations
- ✓ Proof of income paystub.pdf
- ✓ Proof of residence utility-bill.pdf
- Trade payoff letter Waiting
- Personal references Waiting
A real deal pipeline
Sixteen stages, from New and Credit App Started through Approved and Contracted to Funded and Delivered.
Your lenders, side by side
Keep your own lender list and track each submission on its own: declined, approved or approved with stips.
Taxes and fees, itemized
Doc fee, title, registration, temp tag and add-ons each get a line, each marked taxable or financed.
Trade-ins done right
Allowance, payoff and equity, positive or negative, calculated correctly every time.
F&I products
Build your warranty, service contract and GAP catalog once, then add products to any deal.
Signed credit authorization
Customers sign on screen. The time, IP address and device are recorded, and the record can’t be edited.
One workspace for the whole deal
Buyer, co-buyer, vehicle, trade, structure and financing all live on one screen, so you are never digging through folders to answer a lender.
- Buyer and co-buyer with full credit-application details
- Itemized income: base pay, commission, tips, overtime and bonus
- Proposed and approved financing kept separate, so an estimate is never mistaken for an approval
- Pinned notes and a full activity log on every deal
Stips and paperwork, handled
A conditional approval is only as good as the stips you collect. MyOnlineInventory keeps the list in front of you until it is done.
- Stipulation checklist with an outstanding count in the deal header
- Upload pay stubs and bank statements and link them to the stip they satisfy
- Customer-facing deal summary PDF with no cost, gross or SSN
- Credit application and deal submission PDF for your lenders
- Completing the sale records the purchase on the customer’s profile automatically
Stipulations · Finance Co.
2 outstanding- ✓ Proof of income paystub-09-27.pdf
- ✓ Proof of residence utility-bill.pdf
- Trade payoff letter Waiting
- Personal references (4) Waiting
Paperwork
- PDF Deal summary.pdf For the customer · no cost, gross or SSN
- PDF Credit application & submission.pdf For lenders · managers only
Customer data, locked down
Deal jackets hold the most sensitive data in your dealership. It is treated that way.
- Social Security numbers are encrypted and masked everywhere they appear
- Only managers can reveal a full number, and every reveal is permanently logged
- Documents are stored privately behind your login, never at a public link
- Lender PDFs with a full SSN are download-only, so they are never emailed by accident
Buyer · Marcus Reed
Encrypted at restSocial Security number
•••-••-4821
Deal activity log
- Jamie D. (Manager) revealed the buyer’s SSN Today, 2:14 PM
- Marcus Reed signed the credit authorization on an iPhone Today, 1:58 PM
- Kelly L. uploaded paystub.pdf to “Proof of income” Today, 1:40 PM
Common questions
Something else on your mind? Ask us directly. A real person will answer.
Is this a full DMS?
It is a deal and F&I workflow built for independent lots: desking, taxes and fees, F&I products, lender submissions, stipulations and documents. If you run buy-here-pay-here collections or need full accounting, talk to us about how MyOnlineInventory fits alongside your other tools.
Can I set my own tax rates and fees?
Yes. Set your tax rate, fee defaults and lender list once in Deal Settings. Every new deal starts with them, and you can override any deal.
Who can see Social Security numbers?
Everyone sees only the last four digits. Only managers can reveal a full number, and every reveal is permanently logged on the deal.
See it on your own inventory
Book a demo and we will walk you through MyOnlineInventory using vehicles like yours. $200 a month, month-to-month, with real people helping you set it up.