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
6k+
eContracting platform integrations
All
Automotive, RV, powersports, CU's, D2C, Homes & Pets, etc.
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
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
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