AutoRaptor introduces Payment Penciling and Shop-by-Payment, an integrated desking and quoting module within its AI-powered automotive CRM, enabling real-time deal structuring, payment calculations, and scenario comparisons without spreadsheets or disconnected systems.
Quick Intel
AutoRaptor, an AI-powered automotive CRM, has launched Payment Penciling and Shop-by-Payment, a powerful new quoting and deal-structuring module built directly into its platform. This integrated desking experience allows dealership sales teams to structure, compare, and finalize vehicle deals in real time, eliminating reliance on spreadsheets, manual recalculations, or separate tools.
The tool mirrors actual sales conversations by focusing on payment-driven decisions. Sales reps can calculate accurate monthly payments by adjusting variables such as price, term, APR, cash down, trade-in value, rebates, and fees. Alternatively, they can start with a customer's target monthly payment and work backward to determine achievable price points, required cash down, or other adjustments.
"Deal structuring is where momentum is won or lost," said Daniel de la Garza, Director of Product at AutoRaptor. "We built Payment Penciling and Shop-by-Payment to mirror how real sales conversations actually happen. Fast, visual, and payment-driven, while keeping everything compliant, accurate, and fully connected to the rest of the CRM with integrated desking."
Supporting both shop-by-vehicle and shop-by-payment approaches, the module enables presentation of multiple scenarios side by side, helping customers select the option that best fits their budget. Key features include instant updates to payments as variables change, reverse calculations from target payments, roll-to-balance handling for fees, accessories, and trade payoffs, customer-ready proposals exportable to PDF or digital sharing, and precise, Truth-in-Lending-compliant calculations with proper rounding and disclosures.
Integration ensures seamless workflow from initial quote to delivery. Every penciled deal is saved, versioned, and linked to the customer and vehicle record in the CRM, creating a single source of truth. Once finalized, managers can push deal data directly into the dealership management system (DMS), eliminating duplicate entry and reducing handoffs between systems.
The tool accommodates clear role-based workflows and permissions: sales reps build and present scenarios, desk managers review and approve structures, F&I managers handle credit, contracting, and funding, and dealer principals access visibility into deal performance and structure. Built-in controls maintain accuracy, compliance, and consistency while preserving necessary flexibility.
This capability delivers a faster, more transparent buying experience, minimizing friction for sales teams and customers while supporting efficient progression through the sales and F&I process.
About AutoRaptor
AutoRaptor is an AI-powered dealership CRM built to help dealers create real relationships, not just manage leads. By combining intelligent automation, flexible workflows, and purpose-built sales tools, AutoRaptor empowers dealerships to move faster, sell smarter, and deliver a better buying experience from first contact to delivery.
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