eLEND Solutions

Foothill Ranch,  CA 
United States

Sell more cars faster with the REAL deal.

The REAL Deal. Digital Finance for Digital Retailing.

DealerCentric Solutions® Inc. (dba eLEND SolutionsTM) is a privately held automotive FinTech company focused on deal generation solutions  for the retail automotive industry.

The platform specializes in digital creditidentity, and finance solutions for remote and in-store shoppers, designed to accelerate conversions of digital retailing experiences concluding with a fundable, transactable deal structures.

Why eLEND?

1. We proudly work with 16 of the largest 20 dealership groups, and multiple #1 nameplates.

2. Certified partner with all credit repositories and most credit resellers. 

3. Rules-based finance decisioning engine includes advanced credit filtering and calculation logic for all makes, all models, new and used, all terms and all credit tiers.

4. Integrations with DT, RO, all major CRM, Inventory & Website platforms.

5. Vender agnostic, open architecture, with online to in-store workflows.

6. Certificate of Compliance for Security Standards and Audit Procedures - ensuring the highest security standards in the industry.

 Show Specials

  • Special #2 Demo & Activate, Get 25% Off, Set Up Fees Waived.

    Schedule and show for a demo @ NADA 2022 & activate a contract on any of our solutions within 30 days of NADA 2023 Show closing, get 25% off pricing*   All setup fees will also be waived. 

    *Eligible dealers must show for a demo and activate a subscription by March 1, 2023


  • CreditPlus | Digital Credit Platform
    CreditPlus delivers the best performing and certified secure digital credit platform available in retail automotive. Endless configuration options give you the flexibility to determine what advantages and workflows work best for your dealership.

  • The Fastest Way To Increase Visitor To Sales Ratios

    The CreditPlusTM platform includes multiple integrated credit solutions, direct integrations with DealerTrack, RouteOne, all major CRM, Inventory & Website platforms and API's with many Digital Retailing solutions - designed to maximize deal generation efforts with your remote and in-store buyers.

    Un-Matched Value: For one monthly price, use one, multiple or all of our Credit solutions as part of your CreditPlusTM subscription.  No additional setup required.

    1. Express Credit App: Configurable prequalification quick application delivering instant credit decisions and the highest lead conversion ratios and ROI available in a digital credit solution, all backed by a performance guarantee.

    2. Digital Retailing Credit App: Configurable hard pull, long-form application with digital signature capture, primarily used for higher intent in-store or remote customers already engaged in the vehicle purchase process.

    3Customer Gateway: A certified secure platform that enables remote car shoppers to complete more buying steps away from the dealership.  Easy digital re-access allows shoppers to append/update a previously submitted application and upload any required documentation (i.e. Driver License, Proof of Insurance, Income, etc.) - while also tying their vehicle of interest, trade, cash down and desired payment terms to the actual credit application process - and interact with you the dealer.

    4. Showroom Credit Portal: Paperless, self-service enabled credit portal, allowing customers to securely submit a new credit application or access previously submitted lead/application data, eliminating redundant data-entry and accelerating your sales process.

    5. PreScreen Express: Soft-pull credit solution only requiring the customer’s name and address, providing you an upfront snapshot of the customer’s credit profile, and insights into their buying power before you start working the deal.

    Dealer Advantages

    More Live Credit Score Leads>60% Express Credit App 'Form Complete’ ratios [5x more conversions compared to long-form credit applications] Hundreds of dealer customers are averaging 100+ live credit score leads/month.

    Showroom Traffic Builder: Express Credit App generates an average of 36 motivated, down funnel, prequalified leads to your dealership every month.

    Higher Closing Ratios: So much more than just lead generation, >35% of your remote live credit score leads will close at your store within 4 weeks.

    Connected Workflows: Online to in-store credit workflow includes direct integrations with DealerTrack, RouteOne, and all major CRM, Inventory, and website platforms; API’s enable bi-lateral information exchange with many Digital Retailing platforms.

    Reduced Transaction Times: Showroom, self-service enabled credit workflow – initiated at any point in your sales process - means never leaving the customer alone and saving up to 20 minutes per deal.

    Month-To-Month Freedom: We want to earn your business every day. No long-term contract to lock you down. Monthly fixed pricing. No hidden fees.

    Performance Guarantee: Implement our best practices and if after 60 days you are not selling more cars, we will credit back last month's fee upon cancellation.

  • DealMaker | Digital Finance Platform
    DealMaker is a digital finance platform, powered by a rules-based decision engine designed to accelerate conversions of digital end-to-end purchase experiences - concluding with a fundable, transactable deal structure....

  • The Real Deal.  Digital Finance for Digital Retailing

    The Real Deal: A vehicle and credit qualified, transactable deal structure matched to a waterfall of lender programs (including pricing, underwriting and loan advance guidelines) + all applicable taxes (state, county, local) + dealer specific fee structure + and all levels of dealer participation.

    Positioned as a digital finance for digital retailing solution, the platform enables combined vehicle (down to the Model ID #) and Consumer (full credit file) qualified lease or finance rate, term and payment quoting and lender fundable deal structuring at the desk or BDC - prior to the F&I handoff.

    The engine accommodates a limitless number of lenders, programs, parameters, rules, guidelines and credit tiers – powered by advanced credit filtering and calculation logic for all makes, all models, new and used, all terms and all credit tiers.

    Dealer Advantages

    Structure More Profitable Deals…Faster: Digital finance technology replaces basic online payment calculator tools and the educated guesswork used by most desk managers.

    Connected Workflows: Online to in-store workflows include direct integrations with all major CRM & Inventory platforms, DealerTrack and RouteOne.  The open architecture and bi-directional APIs seamlessly integrates with your existing DR technology stack - requiring no switching costs.

    Improve Closing Ratios: Quoting credit and vehicle qualified rate, term and payment options - matched to the dealer's lender programs – reduces friction during the negotiation leading to fewer rehashes/defections.

    Reduces the Time Spent in F&I: Presenting qualified deal structures - matched to the best lender fundable program during negotiation means fewer deal unwinds and rewrites and no lender decision to wait on.

    Increased PVR: Improving the speed and quality of the customers transition from Sales to F&I ultimately enhances product penetration and profitability - and creates more time to handle more deliveries.

    Accountability: Standardized, compliant payment quoting process and a consistent method to log how exceptions were cleared.

    Product Features

    Accuracy: Advanced credit filtering and calculation logic for all makes, all models, new and used, all terms and all credit tiers.

    Built in Credit App:  Instant decisioning helps dealers establish realistic payment expectations upfront, reduce frictions and hold gross during the negotiation – leading to fewer rehashes/defections.

    Works the Way You Do: Multi-scenario deal calculator scans all your qualifying lenders programs, finds the options that maximize PVR for your dealership and provide every customer with real choices.

    Quickly Structure All Deal Types: Supports loans, leases and balloon notes, full credit spectrum loan programs, etc. Engine supports an infinite number of lenders, credit tiers, lender pricing, underwriting & advance guidelines.

    Process StreamliningAPI interfaces and bilateral API's enable a single dashboard view of all the deal inputs, eliminating switching between multiple systems and screens.

    Multi-Scenario Deal Calculator: Compare multiple retail and lease deal structure scenarios side-by-side to find the options that provide every customer with real choices and maximize PVR for your dealership.

    Adaptive; Rollback functionality allows dealers to work the 4-square simultaneously across all (5) deal attributes, not one attribute at a time. Logic keeps the ‘updated’ deal within the lenders’ underwriting and advance guidelines.

  • ID Drive | Digital Identity Platform
    ID Drive™ is the most advanced data capture and identity verification platform in the retail automotive industry - and the easiest way to sell more cars in less time - as part of digital buying experiences for your remote and in-store customers....

  • No Fakes. No Fraud. No Doubt.

    The ID Drive platform includes (3) integrated identity solutions, direct integrations with all major CRM and Inventory platforms and API's to other Digital Retailing solutions - designed to accelerate deal generation efforts with your remote and in-store buyers. 

    1. ID Drive: Convenient forensic ID authentication of any government issued Driver License document from the U.S, Canada and Mexico, intelligent data capture, real-time CRM export, and optional soft credit check in less than 60 seconds - at any point in your sales process.  Performance guaranteed.

    2. ID Drive Mobile: Scan and digitize the data from any U.S. Driver license anytime, anywhere with any smartphone - checks for front-side and barcode data consistency, securely processes the scan results to your dashboard and pushes the lead data into your CRM.

    3. ID Drive IDentify: Layered, multi-factor identity verification solution - replacing traditional out-of-wallet questions and basic passcode number generators – designed to verify the customers identity and establish "proof of presence" in an interaction - and screen against  OFAC and other government watch lists.


    Dealer Advantages

    More Opportunities: Intelligent data capture and real-time CRM lead export takes seconds, ensures you capture and work so many more, often missed, in-store leads.

    Layered Solutions: Multiple enhancement options gives you the flexibility to determine what advantages work best for your store - including optional soft-pull credit enhancements, converting a DL scan into a consumer consented pre-qualification. 

    Faster Transaction Times: Technology automates several manual/paper-based steps in the process, streamlining workflows and reducing average transaction times by 45-60 minutes.

    Sell More Cars: Pre-test drive, prequalified (optional) customers are lower funnel and typically have well-above average credit scores - leading to higher 1st time closing ratios and fewer defections.

    Amazing Customer Experience: Frictionless ID verification, simplified workflows, early realistic payment quoting and faster transitions to and through finance are significant drivers of customer satisfaction and loyalty.

    Protects Your Dealership: Forensically authenticated ID documents, identity verification and purified information reduces compliance risks, identity fraud threats, and maintains your reputation.

    Performance Guarantee:  If an authenticated license turns out to be fraudulent and results in a stolen vehicle, eLEND will reimburse you for the full cost of the stolen vehicle.

    Month-To-Month Freedom: We want to earn your business every day.  No long-term contract to lock you down. Monthly fixed pricing. No hidden fees.

 Additional Info

This company does business in international markets.