Clear Boundaries. Dedicated Tooling.
Zero Extra F&I Admin.
A non-negotiable operational contract: exactly what Volkswagen Auto Group receives, how individual F&I referral links operate, what CBF handles off-site, and how responsibilities are divided with zero staff overhead.
What Your Store Receives Upon Activation
6 Turnkey Assets • 24-Hour Rollout
Multi-F&I Referral Links
- Unique tracking link per F&I desk
- Individual commission & deal attribution
- 10-second WhatsApp & Email share link
Operational Toolkit
- F&I 30-second customer handover scripts
- Ready-to-use WhatsApp templates
- First 90 Days Dealership Playbook
Dedicated Pipeline CRM
- Live deal tracker for DP & F&I team
- Bureau dispute countdowns & coach notes
- Instant alert the second a lead is finance-ready
Off-Site Remediation
- 100% off-site statutory dispute filings
- Debt settlement & bank conduct coaching
- Zero dealership manual paperwork
Monthly Funnel Reports
- Executive pipeline audit for Dealer Principal
- Active disputes, cleared files & deliveries
- Direct delivery via PDF & executive WhatsApp
Closed-Loop Floor Handoff
- Finance-ready buyers returned to your floor
- Contractual non-poaching ring-fence
- Direct phone call to desk deal & sign OTP
Inside the Dedicated Dealership Pipeline CRM
Illustrative Interface • Standard F&I Dashboard Configuration
Clear Rand pipeline value tracking based on active dealership referred buyers currently in rehabilitation.
Automated bureau updates and living expense affordability rebalancing return buyers to your floor within structured operational cycles.
Filter live performance by individual F&I desk, priority rating, and projected close dates in real time.
F&I Floor vs. CBF Recovery Operations
| Operational Task / Lifecycle Stage | Dealership F&I Desk | CBF Recovery Team |
|---|---|---|
| Initial Lead Referral Customer declined by WesBank / MFC / Absa | 10s Link Share | Contact < 5 min from customer opt-in |
| Customer Consent & POPIA Compliance Legal mandate to process financial records | ❌ Zero Involvement | Direct Digital Opt-In |
| 3-Bureau Diagnostic & Document Ingestion Pulls TransUnion, Experian, XDS + 3m bank statements | ❌ Zero Involvement | Automated Diagnostic Sieve |
| SACRRA Adverse Dispute & Settlement Filing legal disputes & procuring paid-up letters | ❌ Zero Involvement | 100% Off-Site Team |
| Affordability & DTI Restructuring Clearing NSF flags & recalibrating living expenses | ❌ Zero Involvement | Dedicated Credit Coach |
| Progress Tracking & Pipeline Updates Monitoring client rehabilitation milestones | Real-Time CRM Dashboard | Monthly Funnel Reports |
| Vehicle Desking & Bank Submission Submitting rehabilitated deal to Tier 1/2 financiers | Complete Dealer Control | ❌ No Involvement |
| Vehicle Delivery & Margin Realization Customer drives off lot • metal moves | Retains Full Front & VAP | Invoiced strictly on funded payout |
What Credit Builder Flow Does NOT Do
We operate strictly as an off-site credit rehabilitation service under the National Credit Act. We do not infringe on your F&I sovereignty, touch bank accreditations, or compromise customer privacy.
We never price vehicles, select interest rates, choose bank terms, or sell insurance/VAP products. Your F&I retains complete authority over the commercial contract.
Your dealership never forwards consumer bank statements. The consumer voluntarily signs direct Section 11 POPIA consent and uploads their documents on our platform, eliminating dealer data liability.
Every lead is hardcoded to your dealership ID. We never sell, auction, or syndicate rehabilitated buyers to competing dealers down the road.
Debt review freezes vehicle asset finance for 3 to 5 years. We do NOT place buyers under debt review. We operate solely under statutory credit bureau dispute and rehabilitation guidelines.
Institutional Governance & Turnaround Standards
WhatsApp contact and validation call initiated within 5 minutes of customer opt-in during business hours (08:00–17:00 Mon–Fri). No customer data is handled without explicit consent.
Realistic recovery progression aligned with statutory 20-day bureau update cycles, adverse listing resolutions, and debt-to-income restructuring.