Baker's 

Insurance Financial Warranty

DQS 90 NO Credit Check

Smith Motors Auto Sales

 Group of Companies

 

              

              Protecting your investment where it counts

Dealers who need  
Group  Bank  Financing Providers:

We work with the best financing companies who will continue buying from our group of dealers-- Power of multiple dealers under one umbrella. In order to provide dealers diverse and proven solutions in our changing auto  industry.

Group Lender Products & Services

We are associated with the provider of an Internet-based software platform for the auto, marine, recreational vehicle and motorcycle industries in the United States. We utilize the Internet to link dealers with banks, finance companies, credit unions and other financing sources that have an established and growing network of active relationships with dealers and lenders.

  User friendly software platform allows dealers to automate and facilitate the indirect Automotive,Recreational,Powersport, Motorsports  financing process.

Patent-pending software allows our customers to create multiple loan products and multiple credit applications within each loan product. Choice of credit bureaus, multiple decision trees (90 available decision criteria), multiple queues after decision (approved/decline, tentative approval/decline, pend waiting additional information, fraud, etc.), and creation of legally approved contracts are standardized. Long-term electronic storage of applications, credit scorecards, and credit bureaus can be accessed at any location across the globe with an Internet connection and proper security.

Because we keep a historical record of all loans processed by type, it allows institutions to continually refine their approval/decline ratios through what-if scenarios to meet their overall revenue goals.

Group Dealer Benefits
Expedite The Loan Approval and Funding Process
...and Start Closing MORE DEALS!

• The consumer obtains a car, an RV, a motorcycle, etc.
• The financial institution gets a profitable loan to service, that fits within their portfolio and risk/reward policies.
• The dealer obtains another profitable sales contract signed... in less time, with more control and reliability -- and better customer satisfaction.

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  Who We Serve:
   National, Regional Banks  & Specialty Lenders

• Banks have benefited from subscribing to us for access to unique, specialized markets not often penetrated by smaller organizations, then creates a deal-flow system, feeding pre-screened loan applications from the market to loan officers automatically via a secure Internet link.

  Financial organizations seeking to expand or augment their loan portfolio to some of these larger lenders, provides access to dealers to increase their indirect auto loan portfolio, as well access to specialty lending markets: i.e., the pre-owned automobile market, recreational vehicles, motorcycle markets and others.

  Specialized lenders in automotive, recreational vehicles, motorcycle and other industries use us to enhance their deal flow,  connections with dealerships who create on-the-spot financing opportunities.

• Group Dealers Success Formula: Close More Deals ... FASTER!

  Main Factors  that can create the ultimate competitive advantage for a dealership...

  1. SPEED
  2. PERSONAL SERVICE

  3. FINANCE OPTIONS

  4. Competative Interest Rates 

  5. Advances starting at MSRP on new or Retail on Used in NADA Book 

  6. Menu Selling Program

• We assist dealerships with all five of these factors, with our on-the-spot credit and financing platform, available through an Internet connection.

Dealer Benefits
Expedite The Loan Approval and Funding Process
...and Start Closing MORE DEALS!

The dealer, consumer and lender all benefit from our Group buying  system:

• The consumer obtains a car, an RV, a motorcycle, etc.
• The financial institution gets a profitable loan to service, that fits within their portfolio and risk/reward policies.
• The dealer obtains another profitable sales contract signed... in less time, with more control and reliability -- and better customer satisfaction.

Specific benefits of our system to the dealer originate directly from the speed of the system.

1. When receiving an offer/decline document from the lender, dealers usually receive it within 5 minutes of submitting the online application.
2. The Promotional Pull feature allows the dealer to gain quick knowledge of the buying power of the consumer. This allows the dealer to focus selling efforts properly, based on buying expectations.
3. At the conclusion of the process, the dealer will be able to print all applicable documents, making the process easy, convenient and fast.
4. This speed enables the dealer to sell more products and services, while satisfying time-strapped and busy customers.  
   
5. Premier's focus is to provide products and services that increase revenue and loans booked for automobile lenders, credit unions, banks, and sub-prime lenders throughout the United States. Premier's products allow clients to increase their loan volume, enhance productivity in back office operations, improve look-to-book ratio, and provide better customer service.
6. The company's patent pending software, the lending platform provides clients with the ability to quickly and efficiently extend credit to consumers and members through the Internet, at dealerships, in a kiosk, or over the telephone. All of our products are delivered as an Application Service Provider (ASP) alleviating the need for clients to purchase expensive hardware, software, and maintenance contracts while avoiding additional technical hires.
7. The Credit system speeds pre-qualification and automates the credit-decision process and work flow. Platform is the only software package that is customizable to meet a lender's unique underwriting criteria, plus real-time communications between lender and dealer, via instant messaging, accelerating the loan closing process (complete in minutes vs. hours).
8. We will pre-screen, based on your criteria for the dealer, consumer, and collateral requirements. You only receive transactions that you want to look at -- increasing your look-to-book.The Lender has the flexibility to monitor and modify the  pre-screen criteria to increase or decrease the number of applications. we will increase look-to-book and reduce processing costs,  credit reports, and overhead.
9. Pre-screens dealers using approved/target lending area criteria. Deals from dealerships that do not meet a lender's parameters or are outside a lender's region will not be presented. This saves a lender time and effort on dealer due diligence and unnecessary processing costs.
10. Provides incremental loan/deal flow from independent and franchised dealers. A successful lender defined pre-screen using dealer, consumer, and collateral criteria presents only the applications that meet your criterion.
11.         
    
    

12.  1st program

• $250.00 one time sign-up Cost:
•  $200.00 per month service fee includes software & lenders with better bigger buying power for each deal which derives  from being in a network of dealers. $29.95 per Dealer accepted offer or  $129.95 Per funded contract.

      For our customers who are unable to obtain conventional financing through our lending group, we can offer, in most states, our  SELECT  PROGRAMS.

   We also have Buy Here Pay Here programs

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Technical Capabilities

operates as an Application Service Provider (ASP) model, and supports browsers that use Secure Sockets Layer (SSL) 3.0 or higher with 128-bit encryption. The Network Solutions Secure Site seal (Certificate) on the site and all pages, testifies it is secure. Our technology platform is hack tested annually by the three major credit bureaus to ensure security is maintained. Once SSL has authenticated the server, a customers browser and the Company's server will establish a secret symmetric key. The symmetric key allows the customers browser and our server to exchange encrypted data. The symmetric key is valid for a single session only.

It operates from a secure computer facility. This secure facility includes:

• Fire Suppression System State-of-the-art gas-based fire protection system, separate fire zones below the floor and above the ceiling, specialized heat/smoke sensors, and automatic local fire department notification
• Facility Security System Secured access, video camera surveillance, security breach alarm and 24 X 7 automatic local police department notification
• Personal Security System 24 X 7 card key customer access to Internet Data Centers and 24 X 7 monitoring
• Physical Security All servers are locked-down in a room where access is by key and combination
• Electrical Power Electrical power comes from two substations, power is conditioned with Universal Power Supplies, and there is a 50,000-gallon diesel generator system for backup
• Air Conditioning There are redundant air conditioning units powered from separate sources to ensure environmental stability
• Generator - A gas-powered generator ensures we are  available 24x7x365
• Firewall Protection - A firewall ensures that the sensitive information stored in the system is not available to unauthorized computers. The firewall used by the Company is a recognized industry standard, and exceeds the standards set by the International Computer Security Association (ICSA), a leading industry authority on Internet security protocol.
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                                  Featured Service Providers.

           CONSUMER  CREDIT LOANS

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              Baker's Financial   Group

        ACS Consumer Lending Guidelines   

               Private Lable Lending

       Consumer  Auto  &  Motorcycle   Loans

:   54-84 month

:    4.79%-19.99%

Consumer Requirements:

Minimum FICO: Prime- 675 Sub Prime- 525          

Minimum Age: 18       

Minimum Residence: N/A

Minimum Employment: N/A

Minimum Income: Prime- $2,500 Sub Prime- $1,500

Max DTI (gross/net): 45%

Bankruptcy Exclusion: Prime- No Bankruptcy Sub Prime- No Chapter 7 No more than one   

Repossessions/Charge-offs: None

Deal Parameters:

Max Advance to Dealer:  See Rate Sheet

Dealer Discount: None

Minimum Down Payment: None

Minimum/Maximum amt financed: Minimum $10,000 up to $30,000 depending on

 Sales Tax Financed: yes

Insurance included: yes

Warranty included: yes

Backend products max: Lesser of 10% of MSRP/NADA or $3,500

Dealer Compensation (fee/reserve): None

Collateral Requirements:

New and/or Used Autos: Both

Max Collateral Age: Unlimited

Max Mileage: Unlimited

Value Collateral: New-MSRP/Used NADA Retail for Cars/NADA Trade for Trucks

Fees:

Bank Processing Fee $110-$235

Bank VSI $0-$50

Inspection (Used Only) $150 (When needed)

ACS Doc Fee $199 (Includes TitleGuard insurance)

Required Consumer Documents :

Valid Drivers License

Current Bill

Proof of current insurance. Binder required

Required Dealer Documents :

Buyers Order or Sales Contract to ACS

Purchase Agreement between Dealer and Customer

Odometer Disclosure Statement

Vehicle Invoice and/or Window S (new cars)

NADA Bookout (used cars)

Clear Title or MSO (no Rebuilt Salvage or other Branded Titles)

Program Highlights:

Online payment calculator and vehicle book out

Simple and quick online credit app on submission

No DMS system required - Internet accessible

No prin ng expense for contracts

Non recourse

New/Used Dealer and Private Party sales accepted

*Not available in the five NY boroughs

**Class Four Cars: BMW, Cadillac, Hummer, Infini , Jaguar, Porsche, Land Rover, Lexus, Lincoln, Mercedes and

Trucks over 1 ton

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   Banks who excepts our Products

INDEPENDANT BANK

 Consumer  Auto  Loans

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   Consumer  Auto Loans

____________Sub_Prime________________________

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_Consumer Loans

Sub Prime Lending

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Consumer Auto Loans

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 Consumer Auto Loans

Sub Prime Lending

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  JJ Best  Classic Car Financing

  Prime Lending for Consumer auto Loans

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     CitiGroup
  Consumer Auto Loans

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    BANK

Consumer Auto Loans

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Consumer  Loans

Sub Prime Lending

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Consumer Loans

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  MOTORSPORTS

Sub Prime Lending Consumer  Loans

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Prime Lending & Sub Prime
Consumer  Loans

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Sub Prime Lending
	Westlake Financial Sub Prime Lending
	Wilshire Financial Sub Prime Lending
____________________________________________  Consumer Automotive Financing Sub Prime Lending
	Automotive Finance Corporation (AFC) Sub Prime Lending

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Prime & Sub Prime Lending

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DFWK   BANK of  western kentucky

 Consumer  Auto  Loans

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Consumer  auto Loans

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  Consumer auto Loans

Sub Prime Lending

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