Unlock F&I Success Through the Right Partnership. Here's What's Possible...
Example data and simple explanations showing the impact of a structured Finance & Insurance process—no fluff, just what works. [For the best experience, view on a desktop.]
Store Profile (Illustrative):
Mix: 55% ATV/UTV, 30% street, 15% dirt
| Metric | Before (No F&I dept) |
After 90 Days w/ Process |
Change |
|---|---|---|---|
| PVR (back‑end only) | $185 | $525 | + $340 |
| VSC (Warranty) Penetration | 9% | 32% | +23 pts |
| GAP / Total Loss | 3% | 18% | +15 pts |
| Tire/Wheel Protection | 0% | 14% | +14 pts |
| Avg. Funding Time | 6.1 days | 1.8 days | −4.3 days |
| CSI – Overall | 86 | 92 | +6 pts |
Monthly & Annual Impact PVR lift × units
| Dealer Tier | Monthly Impact | Annual Impact |
|---|---|---|
| 50‑Unit Dealer | $17,000 | $204,000 |
| 100‑Unit Dealer | $34,000 | $408,000 |
| 150‑Unit Dealer | $51,000 | $612,000 |
Where the Lift Comes From per month (100‑unit dealer)
- +22 VSC contracts × ~$700 gross = $15,400
- +16 GAP contracts × ~$350 gross = $5,600
- +14 Tire/Wheel × ~$200 gross = $2,800
- Menu mix, lender spread & ancillaries ≈ $10,200
Total = $34,000 / month at 100 units (aligns with PVR lift of $340 × 100).
Bonus: Extra Units from Greater Desk Capacity
When managers know F&I still wins on thin deals, they take more deals. Conservative +5% unit growth in 90 days:
| Dealer Tier | Original Units | New Units (+5%) | New Monthly Impact |
|---|---|---|---|
| 50‑Unit | 50 | 53 | $18,020 |
| 100‑Unit | 100 | 105 | $35,700 |
| 150‑Unit | 150 | 158 | $53,720 |
Key Terms & Why They Matter
PVR Lift
Definition: Increase in PVR versus baseline after process/training.
Why it matters: Clearest indicator of program impact. Example here: $525 − $185 = $340 per unit. Monthly = Units × $340. Annual = Monthly × 12.
↑ Back to topPVR (Profit per Retail Unit)
Definition: Average gross profit from F&I products per unit sold (excludes front‑end vehicle profit).
Why it matters: Shows F&I efficiency—higher PVR grows profit without needing more units.
↑ Back to topProduct Penetration (VSC, GAP, Tire/Wheel)
Definition: The percentage of deals that include a given product.
Why it matters: Higher penetration stabilizes revenue, protects customers, and boosts service/parts retention.
↑ Back to topGAP / Total Loss
Definition: Coverage that helps in a total‑loss/large loss event by covering the “gap” between payoff and value.
Why it matters: Protects customers from big hits, improving satisfaction and approvals.
↑ Back to topTire/Wheel Protection
Definition: Protection for tires/wheels (incl. off‑road damage where applicable).
Why it matters: Convenience‑driven product that adds profit without feeling “pushy.”
↑ Back to topFunding Time
Definition: Days from delivery to funds received from the lender.
Why it matters: Faster funding improves cash flow and reduces “deals in the drawer.”
↑ Back to topCSI – Overall
Definition: Survey score reflecting the customer’s experience in the finance step.
Why it matters: High CSI drives reviews, referrals, and repeat business—without adding pressure.
↑ Back to topIllustrative examples only; product mix and lender setups vary by store. We work with dealerships of all sizes, from 20‑unit stores to 200+ unit operations.
