Pre-qualify buyers before the first serious conversation: Run a soft credit pull directly inside AutoRaptor, on your website or in-store, with no score impact. Results attach to the buyer's Up Sheet so your team knows who can buy and what they can afford before negotiations start.
Integrated Desking & Payment Penciling Software
From Credit App to Signed Contract, Without Ever Leaving AutoRaptor
Run soft and hard credit, submit to your lenders, compare real decisions, build the deal with a full-featured pencil — accurate taxes and fees included — present your F&I menu, and capture signatures. All natively inside AutoRaptor. Your buyers stay in your branded experience, and your team never logs into a separate portal.
See if AutoRaptor fits your dealership in 10 minutes.
Core Capabilities
Everything From Pre-Qualification to Signature, In One Place
Most dealerships run credit through a disconnected vendor, pencil deals in a separate tool, and chase signatures by email. AutoRaptor brings the entire deal — credit, desking, F&I, and contracting — inside the platform your team already uses, and inside the branded experience your buyers already trust.
Soft & Hard Credit Pulls, Native
Run a soft pull for pre-qualification — no impact to the buyer's credit score — or a full hard-pull credit application, both directly inside AutoRaptor. No separate credit vendor, no third-party page for your buyer.
Native Application & Real Lender Decisions
Complete a dynamic application that validates per lender, submit to your lenders without leaving the platform, and get decisions back inside AutoRaptor, normalized and laid out side by side so your F&I team can compare offers and pick the best one.
Full-Featured Deal Pencil
Build the deal forward from a vehicle or backward from a payment, adjust every variable, and see real-time payment impact. Accurate taxes and fees are calculated into every structure, so the numbers your team presents are the numbers that hold.
Your Full F&I Menu
Present your complete F&I menu — GAP, service contracts, tire-and-wheel, and other protection products — right in the deal, with each option's payment impact shown so customers can choose with confidence.
Native Contracting & e-Signature
Generate contracts, upload supporting documents, and send for signature from inside AutoRaptor — with multi-signer ordering, a branded signing page, in-person tablet signing, and automatic reminders.
Built Into the Deal, Not Bolted Onto It
Most dealerships run their deals across three or four different tools. AutoRaptor brings the entire process into one place — from the first credit check to the final signature.
Submit applications and get lender decisions without leaving AutoRaptor: A dynamic credit application validates before submission so nothing bounces back. Decisions return in a clean side-by-side view so your team can compare terms and select the right offer instantly.
Structure the deal the way your desk actually works: Calculate from a vehicle price or reverse from a target payment. Adjust term, APR, trade, and fees with payments updating in real time. What you pencil is what holds at contract.
Present your full F&I menu with payment impact: GAP, service contracts, tire-and-wheel, and all your protection products in a clean customer-facing menu that shows the payment impact of each.
Contract, sign, and close in your branded experience: Send documents for signature without leaving the platform, route to multiple signers, sign in person on a tablet, and track outstanding signatures at a glance. Every disclosure is timestamped and every credit action logged for a complete audit trail.
Compliance and audit built in: Required disclosures are presented and timestamped at every step. Every credit action is logged for a complete, auditable record.
One Flow, From Pre-Qual to Signature
From first conversation to signed deal. Your dedicated onboarding specialist connects your lenders, configures your tax and fee rules, loads your F&I products and disclosures, and sets up your document templates and signing experience — so your team is running the full deal inside AutoRaptor from day one.
Pre-qualify with a soft pull
On your website or in-store, run a soft pull with no impact to the buyer's score. The result lands on their Up Sheet so your team knows who's ready before they invest the time.
Submit the application and build the deal
Complete the native credit application, validate per lender, and submit. Decisions come back side by side. Pencil the deal with every variable in real time, accurate taxes and fees included, then present your full F&I menu with the payment impact of each product.
Contract & sign
Generate the contract, send for branded e-signature — multi-signer or in-person on a tablet — and AutoRaptor logs every disclosure, acceptance, and signature automatically.
Connected workflow
One connected workflow. Clear next steps for every team.
Soft + Hard
Both credit pull types, run natively inside AutoRaptor
Zero Impact
Soft-pull pre-qualification with no hit to the buyer's credit score
One Platform
Application, lender decisions, pencil, F&I menu, contracting, and signing — no separate portal to log into
Explore more AutoRaptor
Features that work even better together
If this feature fits how your dealership sells, these related tools can help your team connect the next step.
F&I
Move cleaner deal information from payment scenarios into your finance workflow.
See featureInventory Management
Connect vehicle data, pricing context, and customer interest inside AutoRaptor.
See featureDigital Retail
Let shoppers build payments online before your team continues the deal in-store.
See feature-
Built for Dealership Teams
AutoRaptor keeps the day-to-day sales workflow connected and visible.
See reviews
4.6/5
1200+ reviews -
Chad Randash
Randash Auto Center, Owner
“We looked at and tried out a few different CRMs, but AutoRaptor does a great job with its simplicity. It works well, and it’s an easy process.”
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Jon Higgins
Carmix Auto Sales
“We were immediately able to jump in and take advantage of what AutoRaptor had to offer. We didn’t look at any other CRMs because this one did everything we needed it to do.”
Questions About AutoRaptor Integrated Desking & Payment Penciling
Common questions about how credit, desking, and F&I works for dealerships.
Yes. You can run a soft pull for pre-qualification — with no impact to the buyer's credit score — or a full hard-pull credit application, both natively inside AutoRaptor. Soft pulls help your team qualify buyers early; hard pulls drive the full application and lender decisioning.
AutoRaptor's desking tools aren't a separate integration, they're built into the CRM. Every deal you pencil is tied directly to the customer and vehicle record, so nothing needs to be re-entered between structuring a deal and closing it.
Yes. AutoRaptor includes a full-featured deal pencil — structure forward from a vehicle or backward from a target payment, adjust every variable, and see payment impact in real time. Accurate taxes and fees are calculated into every structure, so the numbers your team presents are the numbers that hold at contract.
Yes. Present your complete F&I menu — GAP, vehicle service contracts, tire-and-wheel, and other protection products — right in the deal, with the payment impact of each option shown so customers can choose clearly and your F&I team drives product penetration without a separate tool.
Yes. Because AutoRaptor's desking tools are built on the same platform as inventory management, every deal draws directly from live vehicle data, so pricing and availability stay accurate throughout the desking process.
AutoRaptor presents the required disclosures and stores each customer's acceptance with a timestamp, logs every credit action for a complete audit trail, and handles SSN and credit data to GLBA standards. As with any credit process, final regulatory compliance depends on your dealership's configuration and practices, so confirm your setup with your compliance team.
Yes. AutoRaptor includes native e-signature with multi-signer ordering (sequential or parallel), a signing page branded to your dealership, automatic and manual reminders, and a "Partially Signed" status so you always know what's outstanding. Customers can also sign in person on a tablet with "Sign Now." Every signed document includes an audit trail and an exportable compliance certificate, and you can start from a library of 12+ prebuilt, brandable templates.
A modern desking system should include deal structuring, payment penciling with accurate taxes and fees, F&I menu presentation, lender approval, and e-signature, all working from the same customer and vehicle record. AutoRaptor's Desking & Payment Penciling tools bring these together in one platform.
Look for desking tools that let you build and adjust payment scenarios in real time based on lender feedback, present F&I options clearly, and sync automatically with your CRM and inventory. AutoRaptor's desking tools are built to handle this from a single screen.
Desking tools speed up deal-making by letting your team structure a deal forward from a vehicle or backward from a target payment, with accurate taxes and fees calculated automatically instead of recalculated by hand. AutoRaptor's deal pencil keeps deals moving from structure to signature.
Automotive Desking Tools That Connect Sales and F&I
Automotive desking tools are most effective when they're connected to the rest of the sales process, not sitting in a separate system that requires manual data entry or a second login. When deal structure, credit decisions, and F&I workflows are siloed from the CRM, it slows down the sales process, creates errors, and gives managers less visibility into where deals stand.
AutoRaptor's desking tools let sales managers and F&I staff structure deals, pencil payment options, present F&I menus, and compare real lender decisions, all from within the same platform your team uses to manage leads and customer communication. Credit workflows connect directly to the deal record, so nothing needs to be re-entered. Every payment calculation, customer conversation, and deal status is visible in one place.
For high-volume dealerships, having automotive desking tools inside the CRM shortens the time from negotiation to a signed contract. Sales managers can build and adjust deal structures in real time, F&I teams have the full customer history in context, and deal data flows back through the platform without manual export. Explore how AutoRaptor's credit, desking, and F&I capabilities connect to the broader automotive CRM to keep your sales process moving from first contact to delivery.
Automotive desking tools are most effective when they're connected to the rest of the sales process, not sitting in a separate system that requires manual data entry or a second login. When deal structure, credit decisions, and F&I workflows are siloed from the CRM, it slows down the sales process, creates errors, and gives managers less visibility into where deals stand.
AutoRaptor's desking tools let sales managers and F&I staff structure deals, pencil payment options, present F&I menus, and compare real lender decisions, all from within the same platform your team uses to manage leads and customer communication. Credit workflows connect directly to the deal record, so nothing needs to be re-entered. Every payment calculation, customer conversation, and deal status is visible in one place.
For high-volume dealerships, having automotive desking tools inside the CRM shortens the time from negotiation to a signed contract. Sales managers can build and adjust deal structures in real time, F&I teams have the full customer history in context, and deal data flows back through the platform without manual export. Explore how AutoRaptor's credit, desking, and F&I capabilities connect to the broader automotive CRM to keep your sales process moving from first contact to delivery.
Ready to Close Deals Faster?
Give your team soft and hard credit, real lender decisions, a full-featured pencil with accurate taxes and fees, your complete F&I menu, native contracting, and branded e-signature — all in one platform, with nothing handed off to a third party and nothing re-entered between steps.
Soft and hard pulls, native
Full pencil with accurate taxes and fees
Your F&I menu and contracts in one place
Nothing handed off
Resources
Learn More About F&I and Desking for Dealerships
Dealer Financing Software: The Top 6 Tools for Success
Discover the top 6 dealer financing software tools that are paving the way for success in the automotive industry.
10 Ways E-Contracting Can Help Increase Dealership Profits
Discover the top 10 innovative ways e-contracting can revolutionize dealership profits.
Is F&I Manager Training Worth the Investment?
Discover the value of investing in F&I manager training and how it can significantly impact dealership success.