AI-Powered eContracting Platform

The Legacy Is Gone.

The future of F&I is here. Latest in technology and AI.

Express F&I provides turnkey eContracting infrastructure for any warranty or mechanical breakdown product — without building your own admin system. Bring your product, rates, and contract. We handle the rest.

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Days
From submission to live selling
6+
eContracting platform integrations
All
Automotive, RV, powersports, credit unions, DTC
AI-powered capabilities

Not just fast.
Intelligently automated.

Express F&I uses AI where it creates real value — eliminating the manual data work that slows every F&I product launch.

01
Data conversion
Rate tables, class guides, and ruleset formats ingested from any provider — any structure, any format, automatically mapped and configured. No manual re-entry.
AI-powered
02
Imports & exports
Automated file mapping and delivery to obligors, reinsurers, DMS platforms, and downstream systems. Zero manual file handling from submission to delivery.
AI-powered
03
Reporting & data transport
Intelligent reporting surfaces the data that matters. Sales activity, contract records, and custom exports delivered exactly where they need to go, automatically.
AI-powered
How it works

From product to revenue
in days, not months.

A simple two-phase process: we intake your product and configure it, then distribute it across our entire dealer and partner network.

Phase 1
Product intake & configuration
Product provider submits
Everything we need to configure and launch your product
Class guide
Rate tables
Dealer pricing
PDF contract
Product info
↓
AI
AI-powered data conversion & configuration
Rates mapped, rules validated, contract linked, product configured — product goes live on platform, rated and ready to sell
↓
Phase 2
Distribution, selling & data output
Web portal
Dealer-facing sales portal — F&I managers rate, sell, and eContract directly
API integration
Connect any third-party system — RouteOne, Dealertrack, F&I Express, and more
eContracting partners
Distributed across all major eContracting platforms and DMS integrations simultaneously
↓
SALE
Contract sold
Dealer, credit union, RV/powersports dealer, or direct-to-consumer buyer completes the sale
↓
Sale recorded
Full transaction log captured — every field, every timestamp
Contract stored
Signed PDF copy archived and accessible on demand
AI data transport
Files automatically delivered to obligors, reinsurers, and partner systems
Integrations

One setup.
Every platform.

Connect once to Express F&I and your product is immediately available across every major eContracting platform and dealer management system.

F&I Express
Industry-leading eContracting and eRating platform used by thousands of dealers nationwide.
High priority
RouteOne
Major dealer finance and F&I platform with broad dealer penetration across automotive.
High priority
Dealertrack
Cox Automotive's F&I platform — one of the most widely used dealer systems in the industry.
High priority
Darwin Automotive
AI-powered F&I menu and eContracting platform with existing ecosystem relationship.
Existing relationship
PEN Network
Connects F&I product providers to dealers via a standardized data exchange network.
High priority
Open Dealer Exchange
Industry eContracting and data exchange. Broad coverage for VSC and ancillary products.
Standard
DMS platform integrations
CDK Global
Automotive
Reynolds & Reynolds
Automotive
Tekion
Automotive
DealerSocket
Automotive
Lightspeed
RV / Powersports
IDS
RV
The Express F&I advantage
Most product providers must negotiate each platform integration individually — a slow, costly process. Express F&I gives you one setup that connects to the entire dealer network. Plug in once. Distribute everywhere.
Pricing

Pay for what
your product needs.

Three-part pricing designed to be fair, transparent, and aligned with your success. Simple products pay a simple price.

One-time
Setup fee
Charged at configuration
Weighted by product complexity — like pricing by weight at the store. A simple flat-rate product costs less to configure than a multi-tier, multi-variable rate structure. You pay for what your product actually requires.
Recurring
Monthly hosting
Charged monthly
A flat monthly fee to keep your product live, rated, and distributed across the Express F&I dealer and partner network. Your product stays available — on the web portal, API, and every connected eContracting platform.
Per transaction
Per-contract fee
Charged on each sale
A small fee charged only when a contract is sold. No sales, no fee. This aligns Express F&I's success directly with yours — we only earn more when your product is selling.
Setup fee weight scale
Complexity determines your setup cost — just like weighing fruit at the store.
Simple product, flat rates
Light
Standard class guide
Medium
Multi-tier rate structure
Heavy
Product type
VSC, MBI, GAP, ancillary — each adds weight based on admin complexity
Class guide depth
Number of coverage tiers, term options, and eligibility rules
Rate structure
Flat rates vs multi-variable matrix — more variables, more weight
Who we serve

Built for two audiences.
Solving different problems.

For product providers
Have a product.
Need infrastructure.
You've built a warranty or mechanical breakdown product. You have rates, a class guide, and a contract. What you don't have is an administration system to sell it through — and building one takes months and significant capital.
  • Submit your class guide, rate tables, dealer pricing, and PDF contract
  • AI-powered data conversion configures your product in our system
  • Immediately distributed to dealers, credit unions, and DTC channels
  • Sales recorded, contracts stored, data delivered wherever you need it
  • No admin system build required — ever
For dealers & credit unions
More products.
Zero added friction.
Your F&I team needs access to competitive products without adding complexity to their workflow. Express F&I delivers more products through the systems they already use — cleanly, quickly, and with full records on every sale.
  • Access new F&I products through your existing web portal or eContracting system
  • Rate, sell, and eContract without leaving your workflow
  • Every sale recorded automatically — no manual reporting
  • Contract copies stored and accessible on demand
  • Works across automotive, RV, powersports, and credit union channels
Get started

Your product.
Our infrastructure.

Bring us your class guide, rate tables, and contract. We'll have you selling in days — not months.

Submit your product Schedule a call