F&I Desking Software

Structure any deal in seconds — four-square worksheets, payment sliders, lease vs buy comparisons, trade-in valuation, and real-time profit tracking. All built into your DMS.

Traditional desking means scratching numbers on a four-square sheet, running to the finance office to verify rates, and hoping the math is right. One mistake — wrong tax rate, missed fee, wrong residual — and you lose credibility with the customer or eat into your profit margin.

Desk2Deal's digital desking suite puts every calculation at your fingertips. Slide a payment slider and watch all the numbers recalculate instantly — down payment, trade equity, monthly payment, total financed, taxes, fees, and your profit. Compare lease vs finance scenarios side by side. Calculate commissions in real time. Every number is accurate, every time.

Join dealers who close faster with digital desking, real-time profit tracking, and integrated F&I tools.

Key Features & Benefits

• Payment Sliders — Drag sliders to adjust price, down payment, rate, and term — all four quadrants update in real time. Customers see payments change instantly.
• Four-Square Worksheet — The classic four-square deal sheet — digitized. Trade value, vehicle price, down payment, and monthly payment are always in sync.
• Lease vs Buy — Compare lease vs finance side by side. Residual values, money factors, and total cost of ownership calculated automatically.
• Trade-In Valuation — Enter trade-in details and get payoff tracking, equity calculations, and net trade value flowing directly into the deal structure.
• Profit Breakdown — See front-end gross, back-end gross, holdback, pack, and total deal profit in real time as you adjust any number.
• Commission Calculator — Flat rate, tiered, or percentage-based commission plans. Salespeople and F&I managers see their payout instantly.
• Tax & Fee Engine — Configurable tax rates per location with bracket-based progressive taxation. State-specific fees included automatically.
• Credit Profile — Structure deals based on customer credit tier — prime, subprime, deep subprime — with appropriate rate adjustments.
• Manager Approval — Flag deals requiring manager override on discounts or rate markdowns. Approval workflow built into the desking flow.
• Deal Scenarios — Save and compare multiple deal scenarios — different terms, rates, and down payments — so customers can choose the best option.
• Backend Products — Add extended warranties, GAP insurance, tire & wheel, and other backend products with instant profit impact calculations.
• Customer Facing — Show deal presentations directly to customers on a tablet. Clean, professional layouts that build trust and close sales.
• Open Deal — Start a new deal or pull up an existing one. Customer and vehicle info auto-populates from your CRM and inventory.
• Structure Numbers — Use sliders and the four-square to find the payment that works — price, down, rate, term, trade value.
• Add Products — Layer in F&I products — extended warranty, GAP, paint protection — and see profit impact instantly.
• Close & Sign — When numbers are agreed, generate deal documents and capture signatures on a tablet or via a link.

Frequently Asked Questions