Credit Intelligence for Canadian F&I Desks

The desk just got a co-pilot.
The lender's job stays unchanged.

Deal Lens reads an Equifax or TransUnion report in seconds and returns a structured, lender-aware analysis — the DL-CIS score, ratios, deal-structure guidance, and a finance-manager note. Decision-support only. No approvals.

Start 14-day trial See the engineNo card · 50 analyses included
R1 / I1 / M1 detectionTDSR · GDS · PTIR2-R5 cautionR9 derogatory

Equifax · CA

Bureau · A.M.

Live

DL-CIS Score

62/ 100

Near-Prime / Structure Sensitive. Likely fit with mid-tier lenders given utilization and recent inquiry pressure.

TDSR

46.1%

GDS

34.3%

PTI

10.0%

R1 ×3R2-R5 ×2R9 ×11 collection

Suggested next action

Verify gross monthly income, confirm housing payment, target payment ≤ $480 / mo, consider lower-LTV vehicle to widen mid-tier lender fit.

Scroll
IWhat's underneath

Built like a finance command-center, not a chatbot.

Every layer is auditable. Calculations are deterministic. The AI is asked to interpret pre-computed structure — it is never the source of truth.

Deterministic math

TDSR, GDS, PTI, utilization, disposable income — calculated in code. The model interprets. It never recomputes.

Six-pillar DL-CIS

Bureau strength · debt capacity · stability · auto-fit · risk friction · rebuild potential. Weights configurable per dealership.

Provider-neutral AI

Anthropic, OpenAI, DeepSeek, Moonshot, MiniMax, Perplexity. Pick per analysis. Switch without re-architecting.

Compliance-first language

No 'approved'. No 'declined'. The system uses 'likely', 'may', 'appears' — by design, throughout.

Encrypted at rest

AES-256-GCM for sensitive payloads. SIN masking. Account numbers truncated to last 4. Audit trail on every view.

Role-aware UI

Ten roles. Salespeople see simplified status. F&I sees full bureau. Admin sees the dials. Auditors see the log.

IIThe engine, one scroll

Seven stages. One workflow.
Built for the desk, not the customer.

01

Upload Received

Equifax or TransUnion PDF, scanned image, or copied text. Consent is captured before a single ratio is computed.

02

Bureau Extraction

Type, score, applicant, trades, collections, inquiries, auto history — pulled into a structured payload.

03

Code Detection

R1, I1, M1, R2-R5, R7, R8, R9 — every rating mapped to a severity tier with a decoder tooltip.

04

Ratio Math

TDSR, GDS, PTI, revolving utilization, disposable income. Deterministic. Never hallucinated.

05

DL-CIS Build

Six weighted pillars compose the Deal Lens Credit Intelligence score. Weights are dealership-configurable.

06

Finance Summary

Strengths, concerns, missing info, suggested structure, customer message, internal manager note.

07

Deal Simulator

Slide payment, down payment, income, co-signer. Watch the ratios — and the DL-CIS preview — recalibrate live.

EQUIFAX_2025-05-12.pdf241 KB

Consent captured · file encrypted at rest

02Detected

Type

Equifax

Score

632

Applicant

ALEX MORENO

Open trades

7

Closed

4

Collection

1

Inquiries

6

Auto history

fair

03Rating decoder

R1

×3

I1

×1

M1

×0

R2

×1

R5

×1

R7

×0

R8

×0

R9

×1

04Deterministic ratios
TDSR0.0%
GDS0.0%
PTI0.0%
Utilization0.0%
05DL-CIS
0/ 100

Near-Prime / Structure Sensitive

Bureau Strength0
Debt Capacity0
Credit Stability0
Auto Finance Fit0
Risk Friction0
Rebuild Potential0
06Finance summary

Strengths

Established credit file. Prior auto history present. Disciplined recent inquiries.

Concerns

Revolving utilization at 73%. Recent inquiry pressure. 1 collection on file.

Suggested structure

Target $480 payment, $1,500 down. Consider mid-tier lender pool.

Internal note

Structure-sensitive applicant. Verify income, confirm rent. Co-signer may help.

07Internal simulation only
Proposed payment$540 / mo
Down payment$1500
Co-signerNo

TDSR

46.1%

DL-CIS preview

62

Preview only — not a lender decision

IIIDL-CIS · six pillars

A proprietary score that isn't a credit score.

The DL-CIS is an internal dealership finance-readiness index — 0 to 100. It combines bureau behaviour, debt capacity, and deal context into one number your desk can act on. Customers never see it.

Weights configurable in admin

Bureau Strength

25%

Score range · payment history · trade quality · file depth · auto history

Debt Capacity

20%

TDSR · GDS · PTI · revolving utilization · disposable income

Credit Stability

20%

Time at job · time at residence · inquiry pressure · recent delinquencies

Auto Finance Fit

15%

Prior auto history · repossession indicators · trade equity · down payment

Risk Friction

10%

Collections · bankruptcy · proposal · severe derogatory · public records

Rebuild Potential

10%

Income · positive trades · manageable payment · down · co-signer · restraint

Compliance posture

A finance tool that respects the lender, the customer, and the law.

Deal Lens is decision-support, not a decision engine. Every output is written to preserve human judgement and protect the applicant.

Never says approved

The system uses 'likely', 'may', 'appears'. Lender judgement is preserved.

Internal only

Customers never see DL-CIS, ratios, or summaries. Salespeople see simplified status.

Consent + audit

Applicant consent is captured. Every upload, view, edit, and export is logged.

Role-aware

10 roles. Finance Manager full access. BDC zero by default. Configurable per dealership.

IVPlans

Priced for the desk. Built for the group.

Every plan includes the DL-CIS engine, all rating-code intelligence, the deterministic ratio math, and audit logging. Tier scales with seats, analysis volume, and provider access.

Starter

For single-store dealerships getting started with credit intelligence.

$159/ mo

billed annually · CAD

Start 14-day trial
  • Up to 100 bureau analyses / month
  • Up to 5 finance / sales seats
  • Equifax & TransUnion parsing
  • DL-CIS score + ratio engine
  • Anthropic & DeepSeek AI providers
  • Audit trail (90 days)
Most popular

Professional

The standard for high-velocity F&I desks.

$449/ mo

billed annually · CAD

Start 14-day trial
  • Up to 600 bureau analyses / month
  • Up to 25 seats
  • All AI providers (Anthropic, OpenAI, DeepSeek, Moonshot, MiniMax)
  • Configurable DL-CIS weights & thresholds
  • Deal-structure simulator
  • PDF export with internal notes
  • Audit trail (1 year)
  • Role-based permissions

Enterprise

Multi-store dealer groups with custom requirements.

$1249/ mo

billed annually · CAD

Start 14-day trial
  • Unlimited analyses & seats
  • Multi-rooftop dashboards
  • Custom AI prompt templates
  • Custom retention policies
  • SSO (SAML/OIDC) on request
  • Priority support & SLA
  • Lender API integration runway
  • Indefinite audit retention

Multi-rooftop dealer groups · custom retention · SSO → contact sales

VCommon questions

The honest answers about what this tool will, and won't, do.

No. The system is decision-support only. It never says 'approved' or 'declined'. Language is always cautious — 'likely', 'may', 'appears', 'potential fit'. All final credit decisions remain with lenders and authorized finance personnel.

Give your desk a competitive edge before lunch.

14-day trial. 50 analyses on us. No credit card. Cancel anytime.

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