AI-powered automotive finance platform
The Agentic Platform for Automotive Finance.
AutoFabric orchestrates AI agents across your entire loan lifecycle — from origination to remarketing.
Every handoff leaks context. That leak compounds into waste.
Automotive finance was built around constraints of humans at keyboards. A deal changes at the desk — the credit app, stip list, and compliance docs are already wrong. Teams burn hours patching processes nobody trusts.
The longer you operate this way, the deeper you entrench it.
Deals stall in manual queues
Credit pulls, stip collection, and deal structuring happen across disconnected systems. Every handoff adds hours to funding time.
Qualified borrowers slip away
Lead scoring is manual, payoff quotes take days, and rate comparisons require logging into multiple lender portals.
Repossession runs on spreadsheets
Skip tracing, assignment management, and condition reporting are fragmented across email, phone calls, and legacy software.
Regulatory exposure at every step
TILA, ECOA, FCRA, and state-level requirements demand audit trails that manual processes can't reliably produce.
Vehicles sit too long after recovery
Auction listing, condition reports, and floor plan management lack automation — extending holding costs and depreciating assets.
Your tools don't talk to each other
DealerTrack, RouteOne, credit bureaus, auction platforms, and your LOS each require separate workflows with no unified data layer.
From data ingestion to automated action
AutoFabric connects your entire automotive finance stack and orchestrates intelligent workflows across every vertical.
Ingest & Connect
Pull data from DealerTrack, RouteOne, credit bureaus, auction platforms, and your existing LOS. AutoFabric normalizes everything into a unified data layer.
- VIN decode & vehicle history
- Credit bureau data aggregation
- DMS inventory sync
- Document ingestion & OCR
AI Processing
Specialized AI agents analyze deal structures, score leads, check compliance, and identify optimal actions — all in real-time across every vertical.
- Deal structure optimization
- Automated compliance checks
- Lead scoring & qualification
- Risk assessment & pricing
Orchestrate
Durable workflows coordinate multi-step processes across systems — from loan origination through funding, or repo assignment through remarketing.
- Multi-step deal pipelines
- Conditional approval routing
- Exception handling & escalation
- Cross-system state management
Act & Verify
Agents execute actions with full audit trails — submit to lenders, generate documents, post to auctions, and verify every decision for compliance.
- Automated lender submission
- Document generation & e-sign
- Auction listing & management
- Complete audit trail
Legacy DMS vs. agentic automation
Side-by-side: what changes when AI agents replace manual processes across every vertical.
Siloed systems, manual data entry across DMS, LOS, and lender portals
Single normalized data layer across all tools and platforms
Manual credit pulls, spreadsheet-based compliance tracking
Automated bureau pulls with real-time TILA/ECOA/FCRA compliance checks
F&I managers manually compare rates across lender portals
AI agents optimize deal structure across all connected lenders simultaneously
Email chains, phone calls, and task lists across disconnected systems
Durable workflows with conditional routing, exception handling, and full audit trails
Days to list recovered vehicles, manual condition reporting
Automated condition reports, instant multi-auction listing, optimal channel selection
Reconstructed from emails and notes during examinations
Every decision traced to its data source, agent, and rule — examination-ready always
Six verticals. One intelligent platform.
Purpose-built AI agents and MCP integrations for every stage of the automotive finance lifecycle.
From application to funding in minutes, not days
AI agents handle credit pulls, VIN decoding, deal structuring, stip collection, and lender submission — all orchestrated as a single durable workflow.
- VIN Decode (NHTSA, DataOne, ChromeData)
- Credit Bureau Pulls (Experian, TransUnion, Equifax)
- DealerTrack DMS Sync
- RouteOne Lender Submission
- TILA/ECOA Compliance Engine
- Automated Stip Collection
- Deal Structure Optimizer
- Rate Markup Calculator
Identify, qualify, and convert refi opportunities at scale
Score your portfolio for refinance candidates, automate outreach, pull payoff quotes, compare rates, and process title transfers without manual intervention.
- Lead Scoring & Qualification Engine
- Payoff Quote Automation
- Rate Comparison (multi-lender)
- Title Transfer Processing
- Customer Communication Workflows
- Portfolio Analysis Agent
- Automated Outreach Sequences
- E-Sign Document Generation
Streamline recovery with intelligent assignment and tracking
From right-to-cure notices through vehicle recovery, condition reporting, and redemption processing — every step tracked and compliant.
- Skip Tracing Integration
- Agent Assignment Management
- GPS & LPR Coordination
- Condition Report Automation
- Transport Dispatch
- Redemption/Reinstatement Engine
- Deficiency Balance Calculator
- Right-to-Cure Compliance
Maximize recovery value with intelligent disposition
AI agents analyze vehicle condition, market data, and holding costs to determine optimal disposition channel, then execute listing and sale automatically.
- Manheim / ADESA / ACV Listing
- Vehicle Condition Reports
- Wholesale vs. Retail Decision Engine
- Floor Plan Management
- Arbitration Processing
- Market Value Analysis (NADA, Black Book)
- Holding Cost Calculator
- Multi-Channel Listing Agent
Coordinate vehicle movement with zero manual dispatch
Automated carrier dispatch, GPS tracking, damage inspection workflows, and title/registration processing for every vehicle in transit.
- Carrier Dispatch Automation
- GPS Tracking Integration
- Damage Inspection Workflows
- Title & Registration Processing
- Route Optimization
- Delivery Confirmation Agent
- Insurance Verification
- Cost-Per-Mile Analytics
Process GAP, VSC, and total loss claims without paper
From first notice of loss through settlement — AI agents gather documentation, validate coverage, calculate payouts, and manage subrogation.
- GAP Claims Processing
- VSC / Extended Warranty Claims
- Total Loss Valuation Agent
- Subrogation Workflow
- Document Collection Automation
- Coverage Verification
- Settlement Calculator
- Insurance Carrier Integration
Intelligent agents that understand automotive finance
Every agent follows a rigorous observe-reason-act-verify loop, purpose-built for the complexity and compliance demands of auto finance.
Observe
Agents monitor your deal pipeline, portfolio performance, repo assignments, and auction results — ingesting data from every connected MCP server in real-time.
- New credit application received
- Payoff quote expiring in 48h
- Vehicle recovered, pending inspection
- Auction sale below reserve
Reason
Each agent applies domain-specific knowledge — credit underwriting rules, compliance requirements, market valuations, and your organization's policies.
- Optimal lender match for credit profile
- TILA disclosure requirements met
- Fair market value vs. holding cost analysis
- Deficiency balance calculation verified
Act
Agents execute multi-step workflows across your connected systems — submitting to lenders, generating documents, posting to auctions, dispatching carriers.
- Submit deal to top 3 matched lenders
- Generate compliant disclosure package
- List vehicle on Manheim + ACV
- Dispatch transport to winning bidder
Verify
Every action is validated against compliance rules, business policies, and data integrity checks. Full audit trail from decision to artifact.
- Rate markup within state max
- All required disclosures generated
- Condition report matches VIN/mileage
- Redemption rights properly communicated
Built for regulated industries
Automotive finance is heavily regulated. AutoFabric bakes compliance into every workflow — not as an afterthought, but as a core capability.
TILA / Regulation Z
Automated APR calculation, disclosure generation, and right-of-rescission tracking for every deal.
ECOA / Fair Lending
Built-in adverse action notice generation and disparate impact monitoring across all lending decisions.
FCRA Compliance
Permissible purpose validation, dispute handling workflows, and consumer report access controls.
Decision Lineage
Every automated decision traces back to its data source, agent, model, and business rule — examination-ready always.
Data Security
SOC 2 Type II certified. Bank-grade encryption at rest and in transit. Role-based access controls with full audit logging.
State Regulations
Pre-configured for state-specific rate caps, repo notification requirements, and title transfer timelines across all 50 states.
Faster Deal Processing
Compliance Accuracy
Lower Holding Costs
Higher Recovery Rates
What Finance Leaders Are Saying
“AutoFabric cut our loan origination time from 3 days to under 4 hours. The compliance engine alone saved us from two potential TILA violations in the first month.”
Jerry N.
VP of Operations, Regional Auto Lending Group
“We were managing repossession assignments in spreadsheets. Now our agents handle skip tracing, assignment, and condition reporting automatically. Recovery rates are up 34%.”
Sarah K.
Director of Recovery, National Servicing Company
“The remarketing agents analyze condition data, market comps, and holding costs to pick the right auction channel every time. We're consistently beating reserve prices.”
Mike R.
Remarketing Manager, Captive Finance Subsidiary
Trusted by teams at
Connected to every tool in automotive finance
AutoFabric uses the Model Context Protocol to connect AI agents to your existing tools — no custom integrations required.
- DealerTrack
- RouteOne
- DealerSocket
- CDK Global
- Reynolds & Reynolds
- Frazer
- Experian Auto
- TransUnion
- Equifax
- FICO Auto Score
- CreditVision
- 700Credit
- NADA Guides
- Black Book
- Kelley Blue Book
- NHTSA VIN Decode
- DataOne
- ChromeData
- Manheim
- ADESA / OPENLANE
- ACV Auctions
- BacklotCars
- SmartAuction
- TradeRev
- DocuSign
- Wolters Kluwer
- Dealertrack Compliance
- ComplyAuto
- AppOne
- RouteOne Docs
- Twilio (SMS/Voice)
- SendGrid
- Slack
- Microsoft Teams
- Salesforce CRM
- HubSpot
- CPI Programs
- Allied Solutions
- EFG Companies
- JM&A Group
- Zurich
- Safe-Guard Products
- Power BI
- Tableau
- Snowflake
- BigQuery
- Looker
- Custom Dashboards
Powered by the Model Context Protocol
MCP is an open standard for connecting AI agents to external tools and data sources. AutoFabric ships with 48+ pre-built MCP servers for automotive finance — and you can build custom servers for any proprietary system in your stack.
Plans for every scale of operation
Dealership
For single-location dealerships and independent finance companies.
Start Free Trial- Up to 500 deals/month
- Loan origination agents
- VIN decode & credit pulls
- 3 MCP server connections
- Basic compliance engine
- Email support
Lender
For auto lenders, credit unions, and multi-location dealer groups.
Start Free Trial- Unlimited deals
- All 6 vertical agents
- Full compliance suite (TILA, ECOA, FCRA)
- Unlimited MCP connections
- Custom workflow builder
- Dedicated success manager
- API access & webhooks
- SSO & RBAC
Enterprise
For captive finance companies, national servicers, and large-scale operations.
Contact Sales- Everything in Lender
- Custom MCP server development
- On-premise deployment option
- Dedicated infrastructure
- Custom model fine-tuning
- 24/7 priority support
- Compliance consulting
- White-label option
Common questions
AutoFabric uses the Model Context Protocol (MCP) to connect to your existing systems. We ship with pre-built MCP servers for DealerTrack, RouteOne, CDK Global, and other major platforms. For proprietary systems, our team can build custom MCP servers that expose your system's capabilities to AI agents.
Yes. Compliance is built into every workflow — not bolted on. Our agents validate TILA disclosure requirements, generate ECOA-compliant adverse action notices, and enforce FCRA permissible purpose checks before any credit pull. Every automated decision produces a complete audit trail for examiner review.
AutoFabric agents don't replace human judgment — they augment it. Agents handle repetitive, data-intensive tasks (credit analysis, deal structuring, compliance checks) while flagging exceptions for human review. Every agent follows an observe-reason-act-verify loop with full transparency into its decision process.
Most customers go live with their first vertical (typically loan origination) within 2-3 weeks. Full multi-vertical deployment typically takes 6-8 weeks depending on the number of integrations and custom workflow requirements. Our implementation team handles MCP server setup, workflow configuration, and staff training.
AutoFabric is SOC 2 Type II certified with bank-grade encryption at rest (AES-256) and in transit (TLS 1.3). We support single-tenant deployment for enterprise customers. All PII is handled according to GLBA requirements, and we maintain strict data residency controls.
Absolutely. Most customers start with one vertical — usually loan origination or repossession — and expand as they see results. Each vertical works independently, and adding new verticals is as simple as activating additional agent configurations and MCP connections.
Our Lender plan includes unlimited deals. For enterprise customers with specialized requirements (custom MCP servers, on-premise deployment, dedicated infrastructure), we offer custom pricing based on your specific needs. Contact our sales team for a tailored proposal.
Traditional RPA follows rigid scripts that break when systems change. AutoFabric agents understand context — they can interpret unstructured data, handle exceptions intelligently, and adapt to process variations. When an agent encounters something unexpected, it escalates to a human rather than failing silently.
Our team of automotive finance specialists is ready to help.
hello@autofabric.com →Ready to modernize your automotive finance operations?
Join forward-thinking lenders and servicers who are automating their entire loan lifecycle with AI agents — from application to remarketing.
Free trial available · No credit card required · Implementation in 2-3 weeks
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