For Automotive Dealership F&I Teams
The Deal Doesn't Die at the Desk.
It Dies in the Notes Field.
Murphy analyzes your F&I deal, structures the argument, and writes the bank narrative — before you hit send. Stop chasing underwriters. Start getting approvals.
The Reality of the Modern F&I Desk
You Already Know the Deal Works.
The Bank Just Doesn't Know It Yet.
No Time to Write
You can read a deal in 60 seconds. Writing the professional case for why it should get approved? That's 20 minutes you don't have with a customer in your showroom.
Spray and Pray Isn't a Strategy
Sending a deal to every lender and hoping someone buys it isn't underwriting — it's wishful thinking. Deals without context get decisioned without context: counters, stips, and declines that didn't have to happen.
The Phone Call That Shouldn't Be Necessary
By the time you reach an underwriter, they've already formed an opinion — busy, behind on their queue, leaning toward no. That call shouldn't be your first line of defense.
Inside The Desk
This Is The Actual Tool. No Mockups.
Enter a deal and watch DTI, PTI, and LTV calculate instantly — alongside an internal Deal Score and concrete ways to strengthen it.
Quick Memo
A submission-ready note in under a minute — built to paste directly into DealerTrack, RouteOne, or CUDL.
Full Package
A complete, lender-ready credit narrative for when a deal needs to be fought for.
Best Fit Lender
A lender routing recommendation — where to send it, where to tread carefully, and where not to waste your time.
Re-Hash Toolkit
Four pre-written counter-negotiation arguments, ready the moment a lender comes back with pushback.
Meet Murphy
Your Senior Underwriting Assistant.
Available Every Deal. Every Day.
Murphy is built on the logic of a seasoned automotive underwriter — someone who's seen exactly where the gap between a decline and an approval lives. You enter the deal. In under a minute, Murphy analyzes it, builds the argument, and hands you four ready-to-use outputs:
Quick Memo
For DealerTrack · RouteOne · CUDL
A 4-5 sentence professional submission narrative with a Deal Highlights summary — designed to paste directly into your dealer notes field before you hit send. The note that makes an underwriter stop and read instead of decline and move on.
Full Package
Complete Formal Credit Narrative
A complete formal credit narrative with every compensating factor developed, every risk addressed, and every exception argued — structured for scanning so a busy underwriter absorbs the key points in seconds. The document you attach when a deal needs to be fought for.
Best Fit Lender
Lender Routing Recommendation
Every deal comes with a lender routing recommendation based on the deal's specific profile — which lender category fits best, which to approach with caution, and which to skip entirely. Stop sending deals to lenders who won't buy them.
Re-Hash Toolkit
Post-Decision Negotiation Arguments
When the lender comes back with a counter — a rate you can't work with, a term they cut short, a flat they left out — Murphy has already written the argument. Four pre-built, deal-specific re-hash arguments ready to copy and use the moment you need them: Rate Buy-Down, Term Extension, Advance Increase, and Dealer Flat.
See Murphy In Action
This Is What You're Actually Buying.
A real Murphy output for a sample deal — so you can see exactly what lands in your notes field before you subscribe.
Sample Deal
Illustrative- Credit Tier
- Near Prime (620–659)
- Amount Financed
- $30,700
- Vehicle (VAV / VSP)
- $24,000 / $26,500
- Term
- 72 months
- Payment
- $545/mo
- DTI
- 23%
- PTI
- 10.5%
- Front-End LTV
- 110.4%
- Overall LTV
- 127.9%
- Derogatory History
- One 30-day late, 14 months ago — current since
We are submitting an individual near-prime application financing $30,700 over 72 months on a $26,500 vehicle, with one exception request for LTV. The borrower's payment capacity is the headline here — DTI lands at 23% against $5,200 GMI, and PTI sits at 10.5% on a $545 monthly payment, both well within guideline for this credit tier. The elevated Overall LTV of 127.9% is driven entirely by $2,400 in backend products, $1,800 in TTL, and $500 in non-taxable fees rolled into the advance — the front-end vehicle LTV of 110.4% is tighter and reflects the deal's actual collateral exposure. Outside of one isolated 30-day late on an auto loan 14 months ago — an account that has remained current since — the borrower carries no additional derogatory history, and $650 in total monthly obligations against $5,200 GMI reflects a genuinely manageable debt load. We request approval with the LTV exception, supported by the borrower's demonstrated payment capacity and clean recent payment behavior.
Deal Highlights
- DTI — 23% ($650 total monthly debt / $5,200 GMI)
- PTI — 10.5% ($545 monthly payment / $5,200 GMI)
- Front-End LTV — 110.4% (vehicle advance vs. $24,000 VAV)
- LTV Elevation — Entirely attributable to $2,400 backend, $1,800 TTL, $500 fees
- Derogatory History — One 30-day late, 14 months ago, auto account current since
- Credit Tier — Near Prime (620–659), no pattern of delinquency
- Employer Tenure — 3 years, 2 months at current employer
Three Steps. One Decision.
From Raw Deal Data to Bank-Ready Narrative in Under Three Minutes.
Enter the Deal
Input the applicant profile, deal structure, and any exception requests. The Desk captures everything Murphy needs — individual, joint, or co-signer applications all supported.
Read the Score
The Live Analysis HUD calculates your Deal Score instantly — a single 0-100 rating that tells you where the deal stands before you call a single bank. If the deal needs restructuring, The Fix shows you the exact dollar amounts to get it bankable.
Send with Confidence
Murphy generates four ready-to-use outputs — the Quick Memo for your dealer notes, the Full Package formal narrative, a Best Fit Lender routing recommendation, and the Re-Hash Toolkit with pre-written arguments for the most common lender counters. Copy. Paste. Send. And when the lender calls back, the re-hash argument is already waiting.
The Math Is Simple
One Saved Deal.
5 Months Covered.
The average saved F&I deal generates $2,000 in gross profit. At $399 per month — our standard price for the Essential tier, or about $339 with code FOUNDER for your first 12 months — a single saved deal funds Lendlytics for nearly 5 months.
Think about the deals that walked out last month. The borderline credit that got auto-declined because there was no narrative in the notes. The trade-in deal that came back heavily countered because the LTV looked worse than it was. The customer who left because the back and forth took too long.
Murphy doesn't save every deal. But it gives every deal a fighting chance it didn't have before.
Average Gross — One Saved Deal
$2,000+
Lendlytics Essential — Standard Pricing
$399/mo
Founders price: $339/mo with code FOUNDER (first 12 months, cancel anytime)
Months Covered by One Saved Deal
5
One approval in January funds the tool through May.
Cost Per Deal at Full Capacity
$2.66
Deals Needed to Break Even This Month
1
Simple Pricing. Serious Returns.
Start for Less Than the Cost of One Lost Deal.
Starter
The Individual Producer
Standard MSRP
Founders Price · Code FOUNDER
$169/mo
Discounted for your first 12 months. No contract, cancel anytime. Enter FOUNDER at checkout.
50 deals/month
- Full Desk Access
- Live Analysis HUD
- Deal Score (0–100)
- The Fix — Restructure Calculator
- Murphy's Full Output Suite
- Re-Hash Toolkit
- Best Fit Lender Routing
- Zero Data Storage
- Unlimited Users
Essential
The Standard Storefront
Standard MSRP
Founders Price · Code FOUNDER
$339/mo
Discounted for your first 12 months. No contract, cancel anytime. Enter FOUNDER at checkout.
150 deals/month
- Full Desk Access
- Live Analysis HUD
- Deal Score (0–100)
- The Fix — Restructure Calculator
- Murphy's Full Output Suite
- Re-Hash Toolkit
- Best Fit Lender Routing
- Zero Data Storage
- Unlimited Users
Pro
The High-Volume Tower
Standard MSRP
Founders Price · Code FOUNDER
$679/mo
Discounted for your first 12 months. No contract, cancel anytime. Enter FOUNDER at checkout.
400 deals/month
- Full Desk Access
- Live Analysis HUD
- Deal Score (0–100)
- The Fix — Restructure Calculator
- Murphy's Full Output Suite
- Re-Hash Toolkit
- Best Fit Lender Routing
- Zero Data Storage
- Unlimited Users
Every tier includes the full Lendlytics feature set — including the Re-Hash Toolkit. The only difference is your monthly deal volume.
Standard MSRP shown. Use code FOUNDER at checkout for Founding Member pricing — available to subscribers who join through April 2027, discounted for your first 12 months. Subscriptions are month to month with no contract: cancel anytime. Have a referral code? Enter it on the Pricing page for an even better rate.
The Deals You're Losing Aren't Lost Because of Bad Customers.
They're Lost Because of Empty Notes Fields.
Murphy fixes that. Starting with your next deal.
Get Started Today