Down payment & drive-off cash
Close buyers who are approved or close to it but short on cash today. Turn “come back next week” into a funded deal while they are still on your lot.
Built for Independent Dealers
Short-Term Loans That Close the Gaps on Your Deals.
Give customers a fast path to cash for down payments, negative equity, deductibles, and other stuck-deal scenarios—through your white-labeled flow and multi-lender matching. High-intent shopper activation from Audience Activator is included to keep qualified traffic coming in.
Demand engine powered by
Down payment & equity help
Fast approval workflows
All credit profiles
25+ years in automotive finance. Your team structures and closes—we equip you with the loan tools and the in-market demand to use them.
Why short-term loans
Solve the reasons deals die—before you lose the customer
Most stores lose buyers over cash timing, not willingness to pay. Short-term loans give you a sanctioned way to cover the gap so F&I can finish the structure.
Negative equity & trade payoffs
Bridge upside-down trades when rolling the full balance is not workable. Give the customer a realistic path into the next vehicle without walking.
After credit bumps & thin files
Recover deals that stall after the first lender pass—ITIN, self-employed, prior repo, or bankruptcy scenarios where a little liquidity changes the whole picture.
Service, collision & deductibles
Keep ROs and body jobs moving when the customer cannot cover the deductible or the full repair today—another revenue line tied to the same platform.
How it works
From cash gap to funded deal
Your team stays in control of the vehicle sale. We supply the borrower-facing flow, lender matching, and (included) activation so you see more of the right customers.
Spot the gap early
Down payment short, payoff too high, deductible, or a decline that a small unsecured line could fix—your team routes them into your branded short-term path instead of watching them leave.
Fast match, clear outcome
Customers complete a simple request; multiple lenders compete for the file so you get a decision quickly and can move on to delivery paperwork.
Structure and close
Funds go where they need to go for the deal; your F&I finishes the car deal. Separately, activation keeps feeding in-market shoppers into the same workflow.
What is in the license
Short-term loan + finance center
The borrower experience, disclosures, and multi-lender matching—white-labeled for your store so short-term money and special finance live in one place.
Demand & qualification layer
High-intent shopper activation (Audience Activator), CRM/DMS reactivation, and AI-assisted pre-qualification so your team spends time on closable files.
Performance fee & add-ons
No per-lead fees—we participate when you fund. Optional TredFi tire & wheel platform for accessory and gross lift.
Borrower experience
Customers request funds on their phone in minutes.
The same flow works for down payment help, negative-equity gaps, or service cash— clean amounts, clear next step, built to finish on a small screen.
Amount-first so the customer knows what they are asking for.
Trust, disclosures, and SSL called out in-line.
Built to reduce drop-off before your desk sees the file.
One Application Multiple Lenders
A smarter way to borrow
Get money fast, deposited right to your bank.
$
Enter amount between $100 - $35,000
Or select a common amount:
APR Ranges From 5.99% up to 35.99% For Qualified Customers
91 Day Minimum up to 72 Month Maximum Repayment Period
We use 256 bit SSL technology to encrypt your data.
Disclosures
Also on the platform
Same application story, more places to use it—so one license covers the lot, the body shop, and add-ons.
Wheels & tires
Accessory upgrades and gross lift when the customer wants the package today.
Faster decisions
Multi-lender matching shortens time-to-yes and keeps the deal moving.
Decline recovery
Second-chance path after the first auto lender says no—without sending them away.
Shopper activation
In-market audiences from marketplaces and search, routed into your protected territory—feeds the same finance workflow.
CRM / DMS wake-up
Stale leads get a fresh qualification path instead of dying in the system.
AI pre-qualification
Early filtering and follow-up so your people talk to ready buyers.
Frequently Asked Questions
Can I buy the special finance center by itself?
No. It is included as part of the full activation program and platform license.
What is the core product?
A dealer short-term loan platform—white-labeled for your store—with multi-lender matching for the cash gaps that kill deals (down payment, negative equity, deductibles, and similar). Your custom special finance center and high-intent shopper activation are included in the same license.
What does my team need to handle?
Your sales and F&I structure the vehicle deal and guide the customer through the loan request when needed. We provide the flows, activation, and early qualification support—you close and fund.
Where do these shoppers come from?
We source shoppers from top third-party marketplaces like AutoTrader, Cars.com, and CarGurus, plus consumers actively searching Google for bad credit financing. Our proprietary Intent Engine unifies 40+ consumer data sources and routes fresh high-intent audiences into your finance workflow.
Do you charge per lead like sub-prime lead providers?
No. Many sub-prime lead providers charge $20 to $50 per lead every month. We do not charge per lead. We only collect our fee when your team closes and funds a deal.
Where do short-term loans fit?
They are the primary tool for covering cash the auto lender will not roll—so you can finish deals that would otherwise walk. Activation and reactivation feed customers into the same system.
Protected Market Access
Lock your area. Put short-term loans in front of more local buyers.
One-time $995 gets you protected territory plus the data and support to launch the platform quickly.
Protected Territory: We don't stack another partner on top of you in your market.
Customer Data Access: Get the lists and targeting you need to find financeable buyers.
Faster Start: Proven process so you can get moving now, not months from now.
Get the short-term loan platform for your dealership
White-labeled borrower flows, multi-lender matching, and included shopper activation—your team keeps the gross and the customer.