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.
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.
Lender rejects the deal after delivery. You eat the depreciation, miles, and repo cost.
Missing or wrong stips trigger back-and-forth with the lender. Cash flow suffers while deals sit in CIT.
F&I sends to a lender who'll never fund this profile. Wasted inquiries, wasted time, lost deal.
No DMS integration required to start. Just upload and go.
Upload a callback screenshot or program guide. AI extracts all POI, POR, insurance, and credit requirements automatically.
Enter the customer, select the lender, upload the credit bureau. FundLock instantly ranks every lender by match score.
Photo or PDF of paystubs, utility bills, insurance cards. AI reads every document and checks against lender rules.
One clear answer: deliver or don't. If something's wrong, FundLock tells you exactly what to fix.
Simple pricing. Cancel anytime. No long-term contracts.
"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."
"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."
"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."
Join the first 10 dealers getting early access. Free for 90 days — no credit card, no commitment. Just fewer unwinds.
We'll reach out within 24 hours to get you set up.