Built for F&I Managers · Dealer-Owned Intelligence

Stop delivering cars
that won't fund.

FundLock verifies every stip, matches every credit profile to the right lender, and learns from every funding delay — so you never hand over the keys on a deal that's going to unwind.

Request Early Access → Free for first 10 dealers
$8,470
Avg cost per unwound deal
Industry average
3-5%
Subprime unwind rate
Without pre-delivery checks
< 60s
Time to verify all stips
With FundLock AI

The spot delivery gamble is costing you.

Your F&I manager checks the stips, thinks they look good, delivers the car. Three days later, the lender kicks it back — paystub too old, insurance deductible too high, income doesn't meet the program minimum. Now you're chasing a subprime customer to bring back a car they already think is theirs.

🔄

Deal Unwinds

Lender rejects the deal after delivery. You eat the depreciation, miles, and repo cost.

Funding Delays

Missing or wrong stips trigger back-and-forth with the lender. Cash flow suffers while deals sit in CIT.

🎲

Wrong Lender Picks

F&I sends to a lender who'll never fund this profile. Wasted inquiries, wasted time, lost deal.

THREE LAYERS OF PROTECTION

Know before you deliver.

🎯Lender Match Intelligence
Enter a credit profile and instantly see which lenders will actually fund the deal — ranked by match score. AI learns real approval patterns, not just published guidelines.
📄AI Stip Verification
Upload paystubs, utility bills, insurance cards — AI extracts data and compares it against each lender's specific requirements. Green light or red flag in seconds.
🧠Funding Pattern Learning
Feed in lender funding notes and the system learns what causes delays. Next time you have a similar deal, FundLock warns you before you make the same mistake.
LENDER MATCH RANKING
#1
Westlake Financial
Standard
92%
#2
Consumer Portfolio
New Tier
78%
#3
Capital One
Tier 3
61%
#4
Ally Financial
Non-Prime
34%
STIP VERIFICATION — CAPITAL ONE T3
Paystubs2 of 1 required
Recency12 days old (max 30)
Income$3,250/mo (min $2,500)
Employment145 days (min 90)
PORUtility bill — accepted
InsuranceDeductible $1,500 — max $1,000
LienholderNOT listed on policy
DO NOT DELIVER
5/7 passed · Fix insurance before delivery
🧠 AI LEARNED PATTERNS
Capital One rejects paystubs over 25 days×7
→ Submit within 20 days even though guideline says 30
Westlake requires lienholder listed at funding×5
→ Have customer add lienholder before delivery, not after
Ally kicks back self-employed with bank stmts only×3
→ Always include 2 months bank statements + tax return
CPS delays on missing GAP addendum signature×4
→ Double-check page 3 signature before submitting

Up and running in 15 minutes.

No DMS integration required to start. Just upload and go.

01
📑

Add your lenders

Upload a callback screenshot or program guide. AI extracts all POI, POR, insurance, and credit requirements automatically.

02
🎯

Create a deal

Enter the customer, select the lender, upload the credit bureau. FundLock instantly ranks every lender by match score.

03
📄

Upload stips

Photo or PDF of paystubs, utility bills, insurance cards. AI reads every document and checks against lender rules.

04
🔒

Get the green light

One clear answer: deliver or don't. If something's wrong, FundLock tells you exactly what to fix.

One unwound deal pays for a year.

Simple pricing. Cancel anytime. No long-term contracts.

Starter
$199/mo
50 deals/mo
10 lender programs
AI document upload
POI / POR / Insurance checks
Lender match (basic)
Email support
Start Free Trial
MOST POPULAR
Pro
$399/mo
150 deals/mo
Unlimited lender programs
Everything in Starter
Full lender ranking
Bureau upload + AI extract
Funding notes & learning
Priority support
Start Free Trial
Enterprise
$799/mo
Unlimited deals
Everything in Pro
API / webhook integration
Multi-rooftop dashboard
Custom lender rules
Dedicated onboarding
DMS integration support
Contact Sales
BUILT FOR THE DEALERS WHO'VE BEEN BURNED

"We were losing 3-4 deals a month to unwinds. Most of it was stupid stuff — expired paystubs, wrong insurance deductibles. Things FundLock catches in seconds."

F&I Director
Independent dealer, 120 units/mo

"The lender match feature alone is worth it. I used to submit to Ally on deals they'd never fund. Now I see the match score and send to Westlake instead — funds every time."

Finance Manager
BHPH + Indirect, 80 units/mo

"My F&I guy uploaded a callback screenshot and 30 seconds later every requirement was in the system. No more fat-fingering program rules into a spreadsheet."

Dealer Principal
Multi-rooftop group, 300 units/mo

Ready to lock your funding?

Join the first 10 dealers getting early access. Free for 90 days — no credit card, no commitment. Just fewer unwinds.

🔒 You're locked in.

We'll reach out within 24 hours to get you set up.

No credit card required · 90-day free pilot · Cancel anytime