Rooster — F&I Intelligence Demo

Rooster

Wake up your F&I.

Analyzes every deal in under 1 second.
Finds the gross you're leaving on the table.

The Problem

The average F&I deal has $800–$2,400
in unrealized gross

💸

Routing to the wrong lender

Chase offers $1,200 flat. You're at Ally for $400 reserve — because you always use Ally.

⏰

Missing markup cap by term

84-month caps are 1.5%. 72-month is 2.5%. Nobody has time to check every matrix.

🔍

Missing threshold jumps

$9,850 AFI pays $197 flat. $10,050 pays $603. That $200 bump is worth $406 — every deal.

Rooster fixes all three. Automatically.

How It Works

Zero changes to your workflow

AutoFi Deal Page

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🐓 Rooster intercepts

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Full Analysis

01

Finance manager opens any submitted finance deal in AutoFi — nothing changes

02

Rooster reads FICO, income, vehicle, trade-in equity, products, and deal structure in real time

03

Full analysis — 19 lenders × 1,500+ structures each — computed in under 1 second

✓ No login ✓ No manual entry ✓ No integrations

The Deal Snapshot

Every critical metric at a glance

Rooster

F&I Analysis

FICO688

VEHICLE2020 Hyundai Santa Fe

AFI$21,333

PTI9.6%

LTV133.5%

Computed 7:14 PM · 1ms

FICO, AFI, PTI, and LTV computed from the live deal the moment it opens. High LTV flags which lenders have advance cap violations.

As-Is

Optimizer

Alt. Vehicles

Callbacks

⚙ Settings

#	Lender	Comp	APR	Payment	Approval	Violations
1	Upgrade Auto UPG	$2,193	14.25%	$675/mo	HIGH	—
2	Chase Auto CHASE	$1,638	13.75%	$665/mo	HIGH	—
3	Wells Fargo WF	$0	12.25%	$636/mo	MEDIUM	⚠ PTI within 10% of limit
4	Westlake Financial WL	$2,193	14.25%	$675/mo	BLOCKED	✕ Term 84mo not offered
5	Huntington Bank HBAN	$2,144	12.25%	$636/mo	BLOCKED	✕ FICO 688 below minimum 700

Every lender. Max markup. Ranked by gross. BLOCKED rows show the exact violation — not just a count.

As-Is

Optimizer

Alt. Vehicles

Callbacks

1

Upgrade Auto

Term Squeeze Threshold Jump Backend Fill

$4,040

+$1,847 vs as-is

13.75%

$641/mo
↓$21 · 72mo

HIGH

Term Squeeze: Switching 84→72 months raises markup cap from 1.5% to 2.5%. Net gain: +$847 reserve.
Threshold Jump: $150 GAP waiver crosses AFI tier at $10,000. Flat fee: $197 → $603.

Rooster finds the structure. You present it.

The Engine

10 tactics. Fired automatically.

Threshold Jump

Crosses AFI tier for 3× the flat fee

Term Squeeze

Finds the term with the highest markup cap

GAP Saver

Reduces down to unlock GAP financing (+$700–1,200)

Score Averaging

Routes to lenders that average co-signer FICO

Backend Fill

Fills unused lender cap with highest-margin products

Buy-Down Unlock

Buys rate down to unlock a high-flat lender

Discount Dodge

Drops LTV tier to cut dealer discount fees

Product Swap

Swaps low-margin products for higher-margin ones

VSC Plan Optimized

Picks the VSC tier that maximizes backend margin

Rate Markup Opt.

Binary-searches the highest markup within tolerance

As-Is

Optimizer

Alt. Vehicles 63

Current vehicle2020 Hyundai Santa Fe

$462/mo

→

63 feasible alternatives

Searched 250 vehicles

Vehicle	Type	Price	Payment	LTV	Lenders	Rate
2021 Kia Forte LXS · 105,842 mi · #OK271186A	USED	$14,250	$271/mo ↓$191	—	10 lenders	10.49%
2025 Kia K4 LXS · 2,091 mi · #KR82283	NEW	$21,749	$390/mo ↓$72	92.3%	10 lenders	8.49%
2020 Ford Escape SEL · 98,163 mi · #G261326B	USED	$16,000	$313/mo ↓$149	—	10 lenders	11.49%

Click any vehicle → As-Is and Optimizer update to analyze that vehicle for this customer.

Callbacks

Lender countered? Here's exactly what to do.

Chase Auto

CHASE · 72-month approval

APPROVED at 11.25% · 72mo · $3,500 down

You submitted: 13.75% · 84mo · $3,500 down · $21,333 AFI

Customer pays

$598/mo

+$136 vs today

Your comp

$2,847

Backend room

$3,200

cap not reached

💡 Add GAP + VSC Basic — fills $2,400 of remaining backend cap. Adds $1,440 dealer margin within payment tolerance.

Every deal. Every lender. Every tactic.

19lenders analyzed
per deal

<1sfull analysis
from deal open

250+inventory vehicles
searched for alternates

🐓 Rooster is live inside AutoFi at Oakes Dealership — Pilot Program

Contact the Rooster team to configure your lenders and go live