LIVE PLATFORM · INSTANT DECISIONS

Your customer walks in.

60 seconds later

you have an answer.

Smart Drive Elite is the only automated finance decisioning platform built specifically for independent and franchise dealers. No manual underwriting. No lender guessing. No wasted deals.

100%
Automated
<60s
Decisions
Multi
Lender
4
Programs
LIVE DECISION
Marcus Johnson
2021 Ford F-150 · $24,999
APPROVED
Decision in 47s
LENDER
Westlake Financial
TIER
Gold
MAX PAYMENT
$612/mo
MAX VEHICLE
$28,400
DEAL STRENGTH
84 / 100
APR
15.99%
LENDER WATERFALL
GLS
WL
CPS
MAC
WFI
TOP VEHICLE MATCH
2021 Ford F-150 XLT
Stock #7771 · 38,400 mi
$24,999
WITHIN RANGE
HOW IT WORKS

Four steps. One decision.

Everything a finance manager does manually — automated, documented, delivered instantly.

01
Capture the deal
Salesperson enters customer info, uploads required stips, and submits. 90 seconds.
02
Score and structure
Engine calculates PTI, assigns a risk tier, and builds the deal structure automatically.
03
Route to the right lender
Multi-lender waterfall runs automatically. Stops at the highest-probability approval.
04
Return a funded path
Lender, max payment, max vehicle, deal strength, and top inventory match — ready to present in under 60 seconds.
THE PLATFORM

Built for the deal desk.
Powered by AI.

Every feature increases approvals, reduces time-to-decision, and eliminates lender guesswork. No legacy code. No bloat. Built from scratch for dealers who need answers, not software.

Request Access →
01
Risk Scoring Engine
Instantly assigns a precise risk tier so every deal starts structured correctly.
02
Multi-Lender Waterfall
Prime to catch-all. Every customer profile gets its best possible lender home automatically.
03
Inventory Matching
Shows only the vehicles most likely to approve — ranked by fit, pulled live from your lot.
04
IBL Calculator
Structures income-based approvals for customers traditional lenders decline. No FICO required.
05
Deal Strength Score
A single 0–100 score tells your team exactly where the deal stands before submission.
06
E-Signature Built In
DocuSign integrated directly into the deal workflow. Customer signs before they leave.
LENDER NETWORK

Every customer profile has a home.

Prime to no-credit, W2 to 1099, standard to income-based. The engine finds the right fit automatically.

TIER 1–2
Global Lending Services
400–680 FICO · W2 required
ALL TIERS
Westlake Financial
Full spectrum · No min FICO
TIER 2–3
Consumer Portfolio Services
1099 OK · Self-employed OK
TIER 3
Midwest Acceptance
MO·IL·AR·KS · $20K max
CATCH-ALL
Western Funding
True last resort · All titles
Multi-tier waterfall. Fully automated.
Every deal routed. Every approval captured. Zero missed opportunities.
Multi
LENDER
4
PROGRAMS
<60s
DECISION
THE OPPORTUNITY

The platform the dealer market has been waiting for.

Legacy platforms were built for franchises, built in another era, and were never built for the deal desk. Smart Drive Elite was.

40,000+
Independent dealers in the US
Underserved by legacy software
$750B
Used auto finance market
Annual originations
72%
Deals need subprime routing
Most platforms skip this entirely
<60s
Time to a full lender decision
Day one. Not after 10,000 deals.
PRICING

Simple. Transparent. No surprises.

No long-term contracts. Cancel anytime. First month 50% off.

BASIC
$1,299/mo
$25 per app
Up to 50 deals/mo
Get Started →
MOST POPULAR
PRO
$1,799/mo
$20 per app
Unlimited deals
Get Started →
ELITE
Custom
$15 per app
Multi-rooftop · Priority support
Get Started →
MISSOURI LLC
Smart Drive Elite LLC
OCCUPATIONAL LICENSE
License #2763 · Smithville, MO
USPTO TRADEMARK
Serial #99764274
E&O + CYBER INSURANCE
biBerk · Active 2026

Stop losing deals to slow decisions.

Request access today. Your team will be submitting deals and getting instant AI-powered decisions within 24 hours.

WHAT YOU GET ON DAY ONE
Sub-60 second lender decisions
Multi-lender automated waterfall
IBL income-based approval engine
Live inventory matching
DocuSign e-signature built in
Full audit trail and compliance docs
AI dealer support assistant