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The VITAL System is one of a kind - it is a revolution to lenders and is set apart from the rest of the competition by saving lenders front end costs for each deal.

Some of VITAL’s lender features and benefits include:

  1. IFG will not charge any application fees or sign up fees to lenders. The only time VITAL gets paid is on a per funded deal basis. 
  2. Vital will take the lenders stipulations, requirements and guidelines and only send to a lender the customers that match their criteria. An immense benefit of this system is the fact that lenders are not out the costs on deals that don’t meet their guidelines. 
  3. IFG is offering to lenders:
    1. dealers that close between 25 to a 100 deals per month,
    2. a system that cuts lenders’ costs per funded deal, and
    3. a no fee system until a lender funds a deal.
  4. VITAL offers you the opportunity to increase your profits at no risk as only qualified leads are submitted by dealers.
  5. Underwriting resources are focused 100% on qualified leads.
  6. Deals are properly structured before being submitted to lenders.
  7. Qualified Loan Programs are identified by the dealers in seconds (not hours) due to stored lender criteria.
  8. Lenders completely control VITAL’s loan origination criteria and screening process parameters.

If you have any questions, please contact us at 859.309.0596 or e-mail us at info@vitaldms.com.

WIN- Wholesale Intelli-Network
  1. Intuitive Management Reporting Functions – VITAL performs all of the reporting functions for the Dealer, including inventory management, sales reports, advertising reports, appraisal comparisons, lender activity, and much more!
  2. Rapid Loan Origination Capabilities - VITAL can do any loan transaction in ONE MINUTE.
  3. Increased Dealer Efficiencies – a Dealer enters data only once into the system.
  4. Automatic Documentation Feature - VITAL will automatically print all documents without the Dealer having to re-enter data.
  5. Automatic client/lender/vehicle matching - VITAL will match customer and vehicle to each lender’s criteria.
  6. Accuracy – each transaction is done right the first time.
  7. Timely - VITAL saves dealers precious time as they close more deals while customers are in front of them.
  8. Flexibility - VITAL will do loans from A – D Credit Customers and utilizes lenders that will buy down to 400 on beacon scores.
  9. Profitability - VITAL allows dealers to close more deals from be backs, turn downs, and approvals.  Deals that previously did not get closed are turned into profit and dollars.
  10. Additional Product Availability - VITAL makes four add-on, profitable products available to each Dealer - Credit Insurance, Gap Insurance, Tire & Wheel, and Road Side Assistance.  VITAL brings these products to the dealers from Life of the South, a provider of some of the best products in the market place that haven’t been available to independent dealers before VITAL. 
  11. Opportunity - VITAL links Aon and Virginia Surety ESC, to independent dealers.  Before VITAL, only franchise dealers could utilize these products.  This will allow independent dealers to have better products so no warranty sales will be lost and dealers become more competitive.
  12. Credit Card Processing - VITAL provides each Dealer with a credit card processing program and a free terminal. VITAL brings to the independent dealers a program on which they will have the same rates as franchise dealers.  No more sending customers to the bank to get the down payments – it all can be done in-house!
  13. Guaranteed Check Program - VITAL makes a Guaranteed Check Program (with a free terminal) available to the dealers.  VITAL will have the same rates as the franchise dealers.  What this means to you – you will never have to worry about returned checks and lost profit on deals.
  14. Insurance Coverage Options - VITAL will bring Physical Damage and IPP Insurance Coverage to the Dealer.  This will save the Dealer money on their current products and allow them to use their funds more effectively.
  15. Floor Plan Assistance - VITAL incorporates a robust Floor Plan Assistance tool which will assist the dealer in saving floor plan costs and fees associated with utilizing multiple floor plan companies.
  16. Repeat Business Opportunities - Customers are added to VITAL to keep track of buyers and potentially build marketing and sales campaigns with the customers’ listings.

Simple to use

  • Dealers can upload and download vehicle information into WIN in seconds and leave the rest to WIN to match vehicle wish lists.

Anonymous

  • Vehicle information is completely confidential until buyers and sellers are matched. 
  • WIN ensures that each dealer’s identity remains anonymous so that dealers can feel free to list their entire inventory without other dealers knowing or finding out. 
  • Dealers can create “Buy & Sell Wish Lists” which are completely confidential. WIN finds dealers their wish list of vehicles without the dealers making one phone call.

Cost effective

  • Since the search is performed online, there are no transportation costs incurred until a vehicle is purchased.
  • Dealers can make higher gross profits on units without all the costs of travel incurred moving units from auction to auction.
  • There is absolutely no charge for dealers to sign up onto WIN - WIN does not cost dealers anything until an actual transaction is completed.
  • Our goal is for our dealers to make profitable transactions.  Because of this, WIN doesn’t make a dime if our dealers don’t get their transactions completed.

Flexible

  • Vehicles can continue to be retailed on dealers' lots until WIN deals are consummated.
  • WIN has the capability to handle all types of deal terms.

Convenient

  • When dealers need professional 3rd-party transportation services, WIN utilizes a reverse-bidding service with 2,500+ transportation companies to get the best rates and service.

Risk-free

  • There is absolutely no charge for dealers to sign up – WIN only charges fees upon successful transactions.
  • If a dealer is not completely satisfied with the program, they can be removed at any time.
  • Dealers are in complete control.  They provide WIN with exactly the "wish list" of vehicles they wish to buy and sell. 

Outstanding Service

  • All matched deals are personally brokered by WIN's professional service team.
  • WIN takes away all of the complications of the wholesale market and makes the dealers’ lives less complicated.
  • WIN does all of the work for the dealers so that they can focus on operating their businesses.
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