Your Lender Submission Agent Clears Stips While Your Desk Sells
The AgentWorks Lender Submission Agent takes the paperwork chase after the handshake off your F&I managers and your title clerk. It submits the deal to the lenders your desk selects, tracks every approval condition and stipulation, reminds the customer about each document still owed, and follows up with the lender until the contract funds, so your F&I team stays with the next customer in the box instead of on hold with a funding department.
What it takes off your plate
In most stores, the work after the customer drives off is the part nobody owns. Lender submissions go out one at a time. The approval comes back with stipulations: proof of income, proof of residence, a reference list, an insurance card. Those stips land in someone's inbox and sit there while the F&I manager is with the next deal.
The customer who promised to send a pay stub forgets. The contract goes to the lender with one signature missing and comes back. Funding follow-up depends on who remembers to call. Every day a contract is unfunded is another day of floor plan interest the dealership pays on a car it already sold, and the money the store needs to buy the next unit is tied up in paperwork. The office manager chases the F&I manager, the F&I manager chases the customer, and nobody has the full list.
What the Lender Submission Agent does, step by step
The Lender Submission Agent starts with the reminders that stall funding when nobody sends them.
- Tells the customer what is still owed. When an approval comes back with stipulations, the agent texts or emails the customer a plain list of what the lender needs and how to send it. It follows up until every stip is in.
- Follows up with the lender. Once the contract package is sent, the agent checks funding status with each lender and follows up when a deal sits, asking what is holding it.
- Tells the F&I manager what needs a person. A counteroffer, a changed rate or a condition that affects the deal goes straight to the F&I manager, with the lender's note attached. Structuring and any conversation about terms stay with your licensed staff.
- Submits to the lenders your desk selects. When the desk picks the lenders for a deal, the agent sends the application to all of them at once through your credit portal and records each response.
- Tracks conditions and stips. Every approval's conditions are logged against the deal, and each document is checked off as it arrives.
- Checks the contract package. Before the package goes out, the agent confirms signatures, the stips the lender asked for and the figures matching the approval, so it does not bounce.
- Tracks funding to the deposit. Each deal stays on the funding list until the lender's payment posts, with the age of every unfunded contract visible to the office.
Where the work is recorded
An agent that cannot record its results is a chatbot. The Lender Submission Agent writes its work where your team already looks.
In the CRM, each customer's record shows every reminder sent, every document received and every lender response, so whoever picks up the phone when the customer calls sees exactly what is still owed. Fleet accounts financed through commercial lenders get the same tracking per unit.
In the DMS and your credit portal, each deal carries its approvals, conditions, package checklist and funding status. The next morning the office manager opens one list: contracts funded, contracts waiting on the customer, contracts waiting on the lender. The same customers are later reminded about maintenance by the Service Reminder Agent, and when they come in for accessories or parts, the Parts Inventory Agent that frees your counter staff has the order ready.
What your people do instead
Your F&I managers stay with the customer in the box: explaining the menu, answering questions about the payment, making sure the buyer leaves understanding what they signed. They stop spending the afternoon digging through an inbox for a pay stub.
Your sales managers keep deals moving on the floor, and your office manager watches a funding list that shrinks instead of chasing people for updates. Customer service and customer satisfaction are the human job. The AgentWorks Lender Submission Agent keeps the stips, the lender follow-ups and the funding status moving around them.
Find out where to start
Funding is one workflow; your store may have a louder one, like internet lead response or service reminders. The free Industry Assessment for automotive shows which workflow an agent should take first, and the automotive industry page walks through the agents built for dealerships and service shops.
See where the Lender Submission Agent would start in your automotive business.
I'm Buck, the Automotive ambassador here. The free Industry Assessment reads your website and asks how calls, follow-ups and records happen today, then shows the first workflow worth handing to an agent like this one — and what your team gets back. Leave your email and I'll send the link.
Buck replies from automotive@agentworksstudio.com. One email with the link — no list, no drip, unless you ask for the weekly letter. Or go straight there →