Dealership software / Deal desk, F&I and deal jacket
Deal desk, F&I menu and deal jacket software for independent dealers
Lead Friendly’s deal desk is a four-square worksheet for finance, lease, cash, outside-finance and wholesale deals, and it solves backwards from the payment or the gross you name. The F&I menu prices your back-end products into the payment and tracks penetration against target thresholds. The deal jacket generates the buyer’s order, the retail installment contract and the rest of the paperwork from that same deal, and gets it e-signed from the customer’s phone. It is not a full DMS: no general ledger, no electronic titling, no buy-here-pay-here servicing.
Claims on this page were read against the code on October 18, 2026. Two independent stores in Kent, WA run their leads and inventory on Lead Friendly. Read the case study.
The deal desk
Five ways to write it
Finance, lease, cash, outside finance and wholesale. Lease is a real money-factor and residual model with cap cost reduction, acquisition and disposition fees and three lease tax methods, not a finance payment with a different label.
Front gross and back gross
Front is net of pack, recon and any overallowance you gave on the trade. Back is reserve plus product spread. The worksheet warns when the trade allowance is running ahead of actual cash value.
Solve it backwards
Enter the payment the customer needs, or the gross you need, and the desk works out the selling price or the lever that gets there. A payment grid across your terms and down payments is there for the phone.
Checked against your lenders
Load each lender program once: buy rate by credit tier, term, advance limit, back-end cap and the rest. The desk flags a structure that busts a program before you promise it to the customer.
Ask Genie to desk it
Genie runs the same desk engine from a plain-English request, with the same figures. Cost, pack, reserve and gross are barred from every customer-facing document.
F&I
An F&I product menu
Your back-end products with cost and retail on each: service contract, GAP, prepaid maintenance, appearance protection, tire and wheel. Attach them to the deal from the desk instead of re-keying prices, and they price into the payment and into back gross. The desk shows the payment with the products financed and without.
Penetration against target thresholds
The share of deals attaching each product, against the product’s own target thresholds, 45 to 60 percent for service contracts and 55 to 70 percent for GAP, so you can see which products the store is under-selling. They are targets built into the software, not a published industry survey.
A reserve compliance check
Any finance deal whose rate markup runs past your cap (2.5 percent by default) is flagged. It is an internal fair-lending safeguard, not something the customer sees.
Credit application, taken safely
The customer fills in the application on their own phone and signs it. Social Security number and date of birth are encrypted and never shown in lists, so you never ask for them and neither does the AI agent.
Cash reporting flagged
Payments toward a deal are logged by method, and when the cash total crosses the federal $10,000 line the desk raises the Form 8300 flag. You file it; the software makes sure you know you have to.
The deal jacket
Each document is generated from a frozen snapshot of the desked deal, so the numbers printed on the contract are the numbers on the desk.
The money documents
The front-office worksheet, the buyer’s order, and the retail installment contract with the Truth in Lending box, each with its own generate button.
The full jacket in one click
FTC Buyers Guide, as-is acknowledgment, federal odometer statement, known-damage disclosure and privacy notice, then the Washington bill of sale, report of sale, title application and release of interest, then the payoff authorization (only with a trade), we-owe, arbitration, and, on a finance deal only, the credit score notice and the insurance agreement. About thirty document types in all, counting the situational ones such as the out-of-state exemption certificates and the wholesale order.
Real Washington forms
Washington DOL and DOR forms are filled into the actual government PDFs, not printed as lookalikes. State paperwork is Washington today; the federal layer applies anywhere you sell, and a dealer elsewhere supplies their own state forms.
Signed from a phone
A secure link that expires. The customer types their legal name, draws their signature on the phone’s screen and ticks the ESIGN and UETA consent box. The record keeps the signer, time, IP address, device and a fingerprint of the exact version signed. There is one signer per document, which matters if you have co-buyers signing remotely.
Deadlines and a bridge to your books
Report of sale, title application and temporary permit expiry are tracked per deal with a filings queue across open deals. A month of deliveries exports as journal entries in your own account names for your bookkeeper. It is a bridge to your books, not a set of books.
What it does not do
- It is not a general ledger. There is no chart of accounts, no trial balance, no month-end close, and no financial statements — that stays in your accounting package, on purpose.
- It does not file with the DMV electronically. It fills and tracks the paperwork; a human still submits it. Washington has no dealer electronic titling programme to connect to.
- It does not service buy-here-pay-here notes. No payment book, no delinquency queue, no collections. If you carry your own paper, you need something else for the servicing.
- It does not yet submit credit applications to lenders. A Dealertrack credit-application rail is built against the Dealertrack API and is in certification with Cox, so it is not carrying real applications yet, and there is no credit bureau pull — you record what the bank came back with.
- It does not pull live book values. No KBB, Black Book, NADA, or Manheim feed. Your appraiser enters the number.
- It does not take a card or ACH payment from a car buyer. It records the money the store was handed and prints a receipt.
- It does not calculate commissions or pay plans, manage floor plan lines, or print window stickers.
What it costs
The deal desk, F&I menu and deal jacket come with Lead Friendly for Dealers. That plan is $349/month, or $279/month billed annually ($3,348 a year), plus a one-time $500 setup fee, and it includes every dealership module. No module is quoted separately or granted by hand. The plan does not include a website: a dealer website is a separate done-for-you build, scoped and quoted per project.
Frequently asked
What deal desking software does Lead Friendly have for independent dealers?
A four-square desk for finance, lease, cash, outside-finance and wholesale deals, with payment math, front and back gross, a payment grid, and a solver that works backwards from a target payment or gross. The same engine prints the contract, so the desk and the paperwork cannot disagree. It is for retail on bank paper. Lead Friendly has no general ledger and does not service buy-here-pay-here notes, so a store that needs either still needs a DMS for those.
Does Lead Friendly have an F&I menu?
Yes, in the sense of a product menu: your service contract, GAP, maintenance, appearance and tire-and-wheel products with cost and retail, attached to the deal at the desk and priced into the payment, with penetration reporting against target thresholds. It is not a tiered, customer-facing menu presentation on a screen.
What is in the deal jacket?
The worksheet, buyer’s order and retail installment contract, then a full-jacket set: Buyers Guide, as-is acknowledgment, odometer statement, damage disclosure, privacy notice, Washington bill of sale, report of sale, title application and release of interest, payoff authorization when there is a trade, we-owe, arbitration, and on finance deals the credit score notice and insurance agreement. Situational forms such as the out-of-state exemption certificates are generated on demand.
Can the customer sign the deal documents from home?
Yes. Each document comes with a secure link that expires. The customer types their legal name, draws their signature on the phone and ticks the ESIGN and UETA consent box, and the record keeps the signer name, timestamp, IP address, browser and a fingerprint of the exact version signed. There is one signer per document.
Can Lead Friendly submit deals to my lenders?
Not yet. A Dealertrack credit-application rail is built against the Dealertrack API and is in certification with Cox, so it is not carrying real applications yet. Today the lender directory builds a submission packet by lender channel: a ready-to-send email with the credit application and a book-out sheet attached for a lender that takes email, an ordered set of fields to paste for a lender that only takes applications through an aggregator you already log into, and a refusal naming what is missing where the channel is not known. A person at your store sends it, and you record the decision against the deal. There is no credit bureau pull.
Is Lead Friendly a DMS?
Not in the full sense. There is no general ledger, no electronic DMV filing, and no buy-here-pay-here note servicing. What there is: inventory with cost and reconditioning, the desk, F&I, the complete document set with e-signing, statutory filing deadlines, and a journal export for your bookkeeper.
Which states does the paperwork cover?
The state-specific forms are Washington today, filled into the real DOL and DOR PDFs. The federal layer applies anywhere: Buyers Guide, odometer statement, Truth in Lending disclosures, privacy notice and the retail installment contract. A dealer outside Washington supplies their own state title and registration paperwork.
How much does the deal desk cost?
Lead Friendly for Dealers is $349/month, or $279/month billed annually ($3,348 a year), plus a one-time $500 setup fee. The setup fee is billed once, on the first invoice: we load your inventory, wire your feeds and your lead sources, and build and tune the agent with you. The plan includes 1,800 AI voice minutes and 2,500 texts a month, then $0.12 a minute from a prepaid wallet, the full CRM with unlimited seats and AI agents, and all seven dealership modules: deal desk, inventory manager, dealer website metrics, equity mining, data providers, a lead webhook to your DMS and a multi-rooftop rollup. It covers one store per subscription, and dealership modules are never resold through an agency account. A US phone number is $3 a month from your wallet and is not part of any plan. The general plans, Starter at $49/month, Pro at $99/month and Agency at $199/month, are for any business and do not include the dealership modules. The plan does not include a website: a dealer website is a separate done-for-you build, scoped and quoted per project. Sales tax is not included in plan prices: at checkout it is calculated from your billing address and added to everything on your invoice.
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