Now Accepting Founding Members

THE
DESK
GUY

AI-Powered F&I Deal Structuring

The first AI platform built to replace manual desk work — structuring deals, selecting lenders, maximizing gross, and submitting to RouteOne, Dealertrack, and CUDL automatically.

Claim Founding Rate — $995/mo View Investor Info
Lender Selection ● VSC & GAP Optimization ● Reserve Maximization ● RouteOne Submission ● Dealertrack Submission ● CUDL Submission ● Credit Tier Analysis ● Parallel Lender Submission ● LTV Optimization ● Stip Sheet Generation ● Lender Selection ● VSC & GAP Optimization ● Reserve Maximization ● RouteOne Submission ● Dealertrack Submission ● CUDL Submission ● Credit Tier Analysis ● Parallel Lender Submission ● LTV Optimization ● Stip Sheet Generation ●
What It Does

Every Deal.
Maximum Gross.

The Desk Guy doesn't replace your F&I manager — it makes any desk manager perform like your best one.

🧠
AI Deal Structuring
Analyzes credit, vehicle, and lender parameters to structure the optimal deal in seconds — not minutes. Front and back end simultaneously.
🏦
Lender Selection
Matches the deal to the best-fit lenders based on approval likelihood, gross potential, and your existing lender relationships.
⚡
Parallel Submission
Fires all lender submissions simultaneously through RouteOne, Dealertrack, and CUDL. No waiting. First approval wins.
📦
Backend Optimization
Stacks VSC, GAP, and reserve to maximize total backend gross within each lender's program limits — automatically.
📋
Stip Sheet Generation
Produces a complete stipulation checklist per lender on every approved deal — so funding doesn't get held up over missing docs.
🔒
Human Approval Gate
No deal submits without your approval. You see every structure, every number, every lender before anything leaves the system.
The Problem

What Every Dealer Knows

  • ✗
    Inconsistent desk performanceTwo managers, two completely different gross outcomes on the same deal.
  • ✗
    Slow lender matchingManually checking rate sheets while the customer waits. Guesswork on who takes the deal.
  • ✗
    Back end left on the tableNobody's hitting the LTV ceiling on every deal. Thousands in gross missed monthly.
  • ✗
    F&I talent is expensive and scarceA great desk manager costs $100K+. Good ones don't stay available long.
The Fix

What We Do

  • ✓
    Consistent structure every timeAI builds the deal the same way your best manager would — every time, on every desk.
  • ✓
    Instant lender matchingCredit analyzed, tiers mapped, best lenders identified — before you leave the desk.
  • ✓
    Max LTV filled on every dealBackend products stacked in order of margin until the lender's cap is hit. Nothing left.
  • ✓
    Any desk manager can run F&INo F&I experience required. The Desk Guy handles the expertise layer.
Pricing

Simple. Per Rooftop.

All features included. No per-deal fees. No hidden costs.

⚡ Founding Member Rate — Limited Spots
Founding Member
$995
per rooftop / month — locked for life
Full AI deal structuring engine
Unlimited lender submissions
RouteOne, Dealertrack & CUDL
VSC, GAP & reserve optimization
Stip sheet generation
Direct onboarding with Nate
Rate locked permanently
Claim Founding Rate →
Standard
$1,995
per rooftop / month
Full AI deal structuring engine
Unlimited lender submissions
RouteOne, Dealertrack & CUDL
VSC, GAP & reserve optimization
Stip sheet generation
Standard onboarding
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