Control the decision.
Control the outcome.
Smart Drive Elite replaces the spreadsheets, phone calls, and paper contracts with a single platform that decisions deals in real time, structures them for maximum profit, and closes them digitally.
Independent dealers are running a modern business with outdated tools
Manual underwriting. Calling lenders one at a time. Paper contracts. Collections tracked in spreadsheets. No real-time visibility into deal profitability. The major software platforms were built for franchise dealers — not for the independent dealer who needs professional-grade tools at a price that works for their business.
Everything from application to payoff
One platform handles the entire deal lifecycle — from the moment a customer applies to the moment the loan is paid off.
AI Deal Decisioning
Every application is scored instantly across income, employment, credit history, vehicle, and payment behavior. Dealers get a complete decision in seconds.
Multi-Lender Waterfall
Deals route automatically through your configured lender relationships in order of approval likelihood. No phone calls. No re-keying data into another system.
IBL Direct Lending
For customers who don't qualify for traditional retail financing, the platform scores them on income-based criteria and structures a deal built around what they can actually afford to pay.
Deal Intelligence Presenter
Front-end gross, F&I gross, and total deal gross display live as the dealer structures the deal. Every number in real time, before the customer signs.
DocuSign E-Signature
Contracts are sent, signed, and returned digitally. No printer, no scanner, no wet signatures. The deal closes faster and the paper trail is complete.
IBL Collections Dashboard
Every funded IBL account is scored daily with an early warning system. Payment logging, payoff quotes, funding checklists, and collection notes in one place.
Three steps from application to funded
Customer applies
The dealer sends a secure application link via SMS. The customer completes their application on any device. No app download, no office visit required.
Platform decisions the deal
Smart Drive Elite scores the application, structures the terms across all available programs, and routes the deal to the best available option — IBL, retail, lease, or subscription.
Deal closes and funds
Contracts go out via DocuSign. The customer signs digitally. The deal funds. For IBL deals, a portfolio account opens automatically and daily monitoring begins.
Income-based lending for customers retail lenders decline
When a customer doesn't qualify for a traditional retail loan, the platform scores them against income-based criteria and structures a deal based on what they can actually afford to pay — built around your dealership's own lending relationship.
Every IBL account is monitored daily with early warning scoring. The dealer sees the full portfolio — balances, days past due, payment history, and risk flags — in a single dashboard.
Routes to your lender relationships automatically
Smart Drive Elite works with your existing lender relationships. Deals route through your configured lenders in order of approval likelihood — stopping at the first approval and presenting the dealer with the complete deal structure.
Income-based lending is always evaluated first for every applicant.
Retail lenders are queued in order of approval likelihood based on the applicant's credit and deal profile.
Qualifying applicants can be structured on a lease with money factor, residual, and cap cost calculated automatically.
A monthly subscription option for applicants who don't qualify for traditional financing structures.
Straightforward pricing, no surprises
All plans include a 30-day onboarding period. No long-term contracts required.
Ready to run a real deal?
We walk every new dealer through the platform personally. Request access and we will reach out within one business day to schedule a walkthrough.