For independent dealerships
The F&I office your lot never had.
Franchise stores earn thousands per car after the sale. CoverflowAuto gives you the same finance-office presentation on an iPad, so every buyer hears your offer without you hiring an F&I manager.
- per customer
- ~1 minper customer
- for your salesperson
- 4 fieldsfor your salesperson
- apps to install
- 0apps to install
- F&I managers to hire
- 0F&I managers to hire
The gap
Big stores have a finance office. You have a salesperson and a stack of paperwork.
On a franchise lot, a trained F&I manager walks every buyer through a menu. On an independent lot the same person sells the car and does the paperwork, so the backend conversation gets skipped. CoverflowAuto fills that seat.
Franchise store
- Dedicated F&I manager
- Menu shown to every buyer
- Backend profit on most deals
Your lot today
- Salesperson does the paperwork
- Pitch rushed or skipped
- Profit walks off the lot
Your lot with CoverflowAuto
- The iPad runs the presentation
- Every buyer sees your menu
- You close warm, signed leads
The opportunity
Backend is where dealers make their money.
These are industry figures, mostly from franchise stores. They show what a consistent finance-office presentation is worth.
- $1,989
- Average F&I profit per vehicle retailed in the first half of 2026, up from $1,882 a year earlier. StoneEagleDATA, F&I Benchmark Report, H1 2026
- 45%
- Share of retail deals that included a vehicle service contract in the first half of 2026. StoneEagleDATA, F&I Benchmark Report, H1 2026
- $2,534
- Average F&I gross profit per vehicle at publicly traded U.S. dealer groups in Q3 2025. Haig Partners, Q3 2025 Haig Report, 2025
- +33%
- Lift in used-car service contract penetration when dealers presented a digital F&I menu. MaximTrak e-Book, via F&I and Showroom, 2013
How it works
One iPad. Three steps. About a minute of your time.
Your team keeps selling cars. CoverflowAuto handles the part of the conversation that usually gets skipped.
- 01
Your salesperson enters the car
VIN, mileage, price, and ZIP code. CoverflowAuto decodes the vehicle and writes a presentation for that exact car.
- 02
The customer takes the iPad
They read a plain-English explanation, compare your options at their own pace, and sign to say what they want.
- 03
You close the deal
The iPad comes back with a signed list of what the buyer is interested in. You quote the price and write it up.
Why CoverflowAuto
Built to fit how a small lot already works.
A pitch written for every car
CoverflowAuto decodes the VIN and writes a presentation for that exact vehicle and mileage, so every buyer hears why it matters for their car.
No new hire
Your salesperson types four fields. The iPad does the explaining your F&I manager would have done.
Runs in the browser
Any iPad or laptop on the lot. Nothing to install, nothing to train.
Get notified when a customer shows interest
The moment a buyer signs, you get an alert with the car, the plans they picked, and the monthly payment change, so you can close while they're still at the desk.
On the roadmap: GAP, tire & wheel, good/better/best pricing, and payment options in the same customer flow.
Put a finance office on your lot this week.
A 15-minute demo with one of your real VINs. Bring a car off your lot.