Season’s Greetings and Happy Holidays from Your Friends at Dealer Profit Services

 

By Myril Shaw, Chief Operating Officer, Dealer Profit Services

All of your friends at Dealer Profit Services want to take this opportunity to extend to you our Season’s Greetings and to wish you a very Happy Holiday season!

At this point in the year, we like to reflect on what this year has offered.  It has certainly been a wild ride.  You come through the 2020/21 pandemic and then it all breaks loose.  We have seen great shows, great events, great meetings, and great business.  Of course, we know the challenges that the economy and inventory present, and we have been blessed with the opportunity to help at least some of you by offsetting some of your business challenges with solid F&I profit.

We know better than anyone that we cannot control external events.  This year has given us the chance to learn that we can control our attitude and our effort.  Thank you, 2022, for allowing us that learning.

We also learned what great friends we have in all of you.  You helped boost us with your great attitudes and thoughts.  You helped us with your support.

2022 has, no matter what, been a year of blessings!

Enjoy this Holiday Season.  Relax, embrace each other, and have fun!

We stand ready to help you in any way that we can - always!

2022 was interesting.  Together, we will make 2023 awesome!

HAPPY NEW YEAR 2023!

We are here for you anytime at info@dealerprofit.com.  GO HOLIDAYS – GO 2023!

About Dealer Profit Services

As a premier F&I Services Provider, Trainer, Consultant, and Comprehensive Compliance Program supplier, Dealer Profit Services, a member of the Brunswick family, is about improving a dealer’s F&I profit and then providing the tools to ensure that profit is protected.  As a Service Provider, Dealer Profit Services provides complete F&I services and delivers industry-leading F&I Profit Results.  As Trainers and Consultants, we help dealers improve their in-house F&I departments.  Through the Comprehensive Compliance Program, Dealer Profit Services provides an online, on-demand, Compliance Program with documents, training, and tools to make F&I Compliance a process that helps protect the dealer against potential risks from compliance issues.  Learn how to use Dealer Profit Services F&I Delivery Services – Click here.  Get your Comprehensive Compliance Program here - just click. Learn more by visiting dealerprofit.com, email info@dealerprofit.com, or call (470) 326-0966. 

Happy Thanksgiving From The Dealer Profit Services Team

By Myril Shaw, Chief Operating Officer, Dealer Profit Services

Wow!  What a stretch we been though as an industry and individually.  This little thing called a pandemic.  This was followed by inflation and rising interest rates.

Yet we thrive – because we all care about each other!

The team at Dealer Profit Services is delighted to wish a very happy and blessed Thanksgiving and holiday season to you, your family, friends, colleagues, and associates.

Enjoy the day and the time.  Be sure to take a minute to look back with gratitude and to look forward with anticipation and excitement!

We here at Dealer Profit Services stand ready to help and support in any way that can.

HAPPY THANKSGIVING!

About Dealer Profit Services

As a premier F&I Services Provider, Trainer, Consultant, and Comprehensive Compliance Program supplier, Dealer Profit Services, a member of the Brunswick family, is about improving a dealer’s F&I profit and then providing the tools to ensure that profit is protected.  As a Service Provider, Dealer Profit Services provides complete F&I services and delivers industry-leading F&I Profit Results.  As Trainers and Consultants, we help dealers improve their in-house F&I departments.  Through the Comprehensive Compliance Program, Dealer Profit Services provides an online, on-demand, Compliance Program with documents, training, and tools to make F&I Compliance a process that helps protect the dealer against potential risks from compliance issues.  Learn how to use Dealer Profit Services F&I Delivery Services – Click here.  Get your Comprehensive Compliance Program here - just click. Learn more by visiting dealerprofit.com, email info@dealerprofit.com, or call (470) 326-0966. 

The Most Important Week Of The Year For Boat Dealers – MRAA Dealer Week

 

By Myril Shaw, Chief Operating Officer, Dealer Profit Services

Two weeks from today (Monday, November 21, 2022) on December 5, 2022, MRAA Dealer Week kicks off with it’s Opening Reception.

Without question, the next 3 days represent the most important days of the year for Marine dealers.

Over these days dealers will meet new people and make new friends, learn about available products and services, enjoy some of the best educational sessions available, and, oh, have a lot of fun.

Following is a list of the most important things that dealers can and should do:

1.      Visit Dealer Profit Services in Booth 437 and learn how we deliver among the best F&I Profit results in the industry as well as a Comprehensive Compliance Program

2.      Network and learn the best practices of industry associates

3.      Attend as many educational sessions

4.      Visit suppliers on display and learn why they value Dealer Week so much

5.      Have FUN – Dealer Profit Services is contributing to the fun from floor close on Dec. 7 until the start of the Kicker Sponsored closing celebration at 8 PM by joining us for drinks, appetizers, and fun at the Moonshine Patio Bar and Grill across the street from the convention center – details available in our booth

Let’s expand on these just a bit.

Dealer Profit Services is delivering 5%+ F&I Profit with over 70%+ penetration on Protective Products.  The Comprehensive Compliance Program is an annual subscription and includes all five Compliance Manual, 3 hours of video training documented by a completed exam, compliance inspection checklists, and more – all available on demand for a many people as required per location.  “When only the best will do, Dealer Profit is for you” – Booth 437.

Dealer Week is rife with networking opportunities – and it is important to maximize.  Peer learning is vital and there are many great opportunities.  Share what you know – and more importantly, listen to what your peers know.

The educational sessions through the day at Dealer Week are nothing short of excellent – take advantage.  Great and knowledgeable speakers delivering important content on critical topics.  Take in all you can – and visit Dealer Profit Services between sessions.

Beyond Dealer Profit Services (Booth 437) is an important exhibitor.  There are many others.  Stop by as many as you can and learn what they can do to help you.

Last, but by no means least, HAVE FUN!  Dealer Week is absolutely not “All work and no play”, rather it is “Some work and plenty of play.”  Starting with the on-floor evening receptions and continuing well into the evening the opportunities for fun are extraordinary.  This is not to say there is no fun during the day – there is plenty – the evening just offers even more.  The most fun occurs on Wednesday evening which wraps up with Closing Celebration.  Before that is the Dealer Profit Dealer Week Celebration at the Moonshine Patio Bar and Grill – and you are invited.

If you have not made plans to BE AT Dealer Week in Austin – change your plans!

See you in Austin at the MRAA Dealer Week in two weeks!

Any questions?  Contact us today at info@dealerprofit.com.  We will help!

About Dealer Profit Services

As a premier F&I Services Provider, Trainer, Consultant, and Comprehensive Compliance Program supplier, Dealer Profit Services, a member of the Brunswick family, is about improving a dealer’s F&I profit and then providing the tools to ensure that profit is protected.  As a Service Provider, Dealer Profit Services provides complete F&I services and delivers industry-leading F&I Profit Results.  As Trainers and Consultants, we help dealers improve their in-house F&I departments.  Through the Comprehensive Compliance Program, Dealer Profit Services provides an online, on-demand, Compliance Program with documents, training, and tools to make F&I Compliance a process that helps protect the dealer against potential risks from compliance issues.  Learn how to use Dealer Profit Services F&I Delivery Services – Click here.  Get your Comprehensive Compliance Program here - just click. Learn more by visiting dealerprofit.com, email info@dealerprofit.com, or call (470) 326-0966. 

For Dealer Profit Services, This Is THE BEST TIME OF THE YEAR!!!

By Myril Shaw, Chief Operating Officer, Dealer Profit Services

Welcome to Dealer Profit Services best time of 2022!  Really!

The RVDA Conference just ended, The Boating Industry Elevate Summit/Powersport Accelerate Summit/BI Top 100 Gala starts today, MRAA Dealer Week (potentially the biggest ever) starts in about 3 weeks, the National Marine Lenders Association is voting on new Board Members having just finished a great Conference and heading into what promises to be a fantastic workshop in mid-January.  When you are a high value delivering, high profile, high performance financial service company who also offers a Comprehensive Compliance Program that offers all manuals, complete training, and other tools to demonstrate compliance “good faith” as called for by the CFPB and the FTC (and also addresses the FTC’s latest announcements) – this time of the year cannot be any better.

Dealer Profit Services offers one financial services product – profit for dealers.  This is not something that dealers themselves, or other providers could not do – the fact is, the process delivers the profit.

It is key, before even beginning, that the Finance team understands the current economic dynamics driving buyer behavior – that is why the NMLA, the RVDA, and the MRAA are so important.

The process for maximum profit is:

·        The dealers announces that they offer financing early, often, and loudly

·        The Business Manager/Finance Manager is introduced (at least virtually) at the start of the shopping process so that 100% of customers (cash or finance) know from the outset that they will be seeing this person after they have selected the unit

·        The Business Manager/Finance Manager does talk to 100% of the customers

o   They try to convert Cash to Finance

o   They follow the two fundamental principles of F&I

§  The Hypocratic Oath of F&I – First, do no harm – never cost a deal

§  Aggressive and Graceful In Retreat – You never get more than what you ask for the first time – initially, the maximum reserve and maximum backend profit is requested and then back down gracefully as required

·        THIS HAPPENS 100% OF THE TIME

Once this process is fully implemented, the results should be dynamic and exciting.

Dealer Profit Services is delivering, and every dealer and other service provider should be able to deliver the following, at a minimum (and there should a focus on continual improvement);

·        70%+ Protective Product Penetration on Finance deals

·        35%+ Protective Product Penetration on Cash deals

·        8%+ F&I Profit on Amount Financed on Finance Deals

·        5%+ F&I Profit on Unit Sales (when 100% turnover is practiced)

This “Wonderful Time Of The Year” is when Dealer Profit Services really gets to broadcast this.

Then there is Compliance – especially this year, after the FTC made a lot of noise – becomes even more important.

Both the CFPB and the FTC have said that “a good faith compliance effort will be considered in potential prosecutions.”

Dealer Profit Services offers a Comprehensive Compliance Program (that does address the FTC concerns).  This program is online, on-demand, per location and for as many users as needed at a location during the subscription year.  It includes:

·        Complete Compliance Manuals (on demand)

o   Red Flags

o   Disposal

o   OFAC

o   Safeguards

o   USA Patriot Act

·        3 hours of video training

·        Training completion exam to be completed, signed, dated, and stored with Compliance documents

·        Compliance Inspection forms on demand to be completed, signed, and stored with Compliance documents

·        More…

Welcome to the best time of year.

Any questions?  Contact us today at info@dealerprofit.com.  We will help!

About Dealer Profit Services

As a premier F&I Services Provider, Trainer, Consultant, and Comprehensive Compliance Program supplier, Dealer Profit Services, a member of the Brunswick family, is about improving a dealer’s F&I profit and then providing the tools to ensure that profit is protected.  As a Service Provider, Dealer Profit Services provides complete F&I services and delivers industry-leading F&I Profit Results.  As Trainers and Consultants, we help dealers improve their in-house F&I departments.  Through the Comprehensive Compliance Program, Dealer Profit Services provides an online, on-demand, Compliance Program with documents, training, and tools to make F&I Compliance a process that helps protect the dealer against potential risks from compliance issues.  Learn how to use Dealer Profit Services F&I Delivery Services – Click here.  Get your Comprehensive Compliance Program here - just click. Learn more by visiting dealerprofit.com, email info@dealerprofit.com, or call (470) 326-0966. 

 

 

Make More Money And Keep It – Use The Right Measurement Metrics, Maximize F&I Profit And Protect The Profit With Compliance

 

By Myril Shaw, Chief Operating Officer, Dealer Profit Services 

Today, more than any time in the last 12+ years, it is vital to maximize F&I Profits.  F&I Profits come without the carrying cost of inventory and the profit percentage is not reduced by declining margins.  F&I Profit can certainly cushion the profitability declines seen elsewhere in the store. 

F&I Success, as measured by F&I Profit Maximization, requires that leadership declare a clear Mission, clear targets, and clear processes – all with a focus on continual improvement.  That said, the metrics used to measure results are a critical, and often misunderstood element in the overall evaluation of both predictors and results. 

Starting with the metrics, there are several areas to consider.  Some stores like to keep track of, and base advertising and expectations on the “quality” of the customers they are seeing.  Often they will track trends in the credit scores of the customers.  This is a weak measurement for two reasons.  First, stores have both finance and cash customers – there needs to be clear measurement of the balance between these two and to the extent that finance customers are reflecting less that 45% of total buyers, the finance buyer impact becomes minimal.  It is also true that 80% of “cash” buyers are not using liquid cash (meaning that these “cash” buyers are convertible to finance) – so failure to keep at least 45% of customers as finance (and really over 50%), it a critical measurement. 

For Finance buyers, the Credit Score is almost immaterial in terms of the quality of the buyer – especially in today’s economy.  The only thing that is truly useful about the credit score is as an indicator of which lenders will look at the finance buyer.  The quality of the buyer is indicated by “debt-to-income”, and then Available Credit, and Length of Credit History.  These are the factors that determine the actual ability of, and ultimately willingness to buy, of the buyer. It is common today to see high, or at least solid, credit scores for people who have high and potentially increasing debt, and who are managing to keep up with the payments.  High debt-to-income results in declines, or, at least, unacceptable interest offers from lenders.  Don’t look at the Credit Score – look at DTI. 

Another measure often tracked is Amount Financed.  This is or can be misleading at best.  First, Amount Financed does not include the amount of Protective Products sold on Cash deals.  Secondly, it can be grossly misleading if Protective Products are being sold and financed at cost with no profit.  The preliminary measure here MUST be F&I Profit on Amount Financed.  The real metric is F&I Profit on Unit Sales where F&I Profit includes profit on Protective Products for both Finance and Cash buyers – which should always being sold exclusively by the Finance/Business Manager. 

The rest of the metrics are pretty clear and straightforward: 

·        % of Total Customers Seen by the Finance/Business Manager
·        % of Total Customers offered full Protective Product package and signing a “Sign To Decline’
·        Penetration rates on Protective Products (percent of Finance and/or Cash buyers purchasing one or more Protective Products
·        Margins on Protective Products
·        F&I Profit on Amount Financed/Unit Sales 

Once the metrics are understood, it is critical to use them to deliver maximum (with continual improvement) F&I Profit.  This starts with the leadership laying clear (and evolving) policies. 

The first part of this is to declare the Mission.  This language can obviously change.  An example is: 

·        Our Mission Is To Fully Maximize F&I Profit And To Continually Improve On That Profit While Ensuring That Our Customers Are Being Comfortably Enabled To Fully Enjoy Their Lifestyle Choices
    o   This is a lifestyle purchase and not an automotive purchase 

The second part is to clearly state the targets.  The starting (and not the finishing) place for these targets can be: 

·        100% of Customers See the Finance/Business Manager 100% of the Time on conclusion of the shopping process regardless of stated Cash/Finance Preference
·        70%+ of Finance Buyers are sold one or more Protective Products
·        35%+ of Finance Buyers are sold one or more Protective Products
·        Margins on Protective Products range from 120%+ on Engine Warranties to over 300% on other products
·        8%+ F&I Profit on Amount Financed
·        5%+ F&I Profit on Unit Sales 

Finally, there needs to be a clear process to beginning to achieve the Mission and Targets (again, this a start and not an end): 

·        Advertise “Competitive Financing Available” everywhere, early, often, and loudly
·        Introduce the Business/Finance Manager at the beginning of the shopping process – “Once we have found the unit you are in love with, you will be meeting this person to ensure that your delivery experience is delightful”
·        On the Sales floor, plant Protective Product seeds with stories – no hard selling and NO PRICES
·        Every customer is offered a full set of Protective Product options and executes a “Sign to Decline”
·        Follow the F&I Principles:
    o   First Do No Harm – Never cost a sales in Finance
    o   Aggressive and graceful in retreat – You never get more than what you ask for the first time 

At the end, F&I Profit protection is critical, and a big part of that is doing Compliance right.  The CFPB and the FTC have become much more aggressive about enforcement, and penalties.  The CFPB has said that any prosecution with look at “good faith” efforts.  It is critical to be able to demonstrate and document “good faith”. 

Have all five Compliance Documents printed, executed by your Compliance Officer, and displayed.  Be able to demonstrate that the team has been trained on Compliance and understands the requirements.  Show that there are regular efforts to enforce Compliance best practices throughout the store.  All of these together can go a long way in demonstrating “good faith”. 

If any or all this seems overwhelming, it does not need to be.  This is where Dealer Profit excels.
Contact us today at info@dealerprofit.com.  We will help! 

About Dealer Profit Services
As a premier F&I Services Provider, Trainer, Consultant, and Comprehensive Compliance Program supplier, Dealer Profit Services, a member of the Brunswick family, is about improving a dealer’s F&I profit and then providing the tools to ensure that profit is protected.  As a Service Provider, Dealer Profit Services provides complete F&I services and delivers industry-leading F&I Profit Results.  As Trainers and Consultants, we help dealers improve their in-house F&I departments.  Through the Comprehensive Compliance Program, Dealer Profit Services provides an online, on-demand, Compliance Program with documents, training, and tools to make F&I Compliance a process that helps protect the dealer against potential risks from compliance issues.  Learn how to use Dealer Profit Services F&I Delivery Services – Click here.  Get your Comprehensive Compliance Program here - just click. Learn more by visiting dealerprofit.com, email info@dealerprofit.com, or call (470) 326-0966. 

How To Maximize F&I Profit – Mission, Targets, Processes

 

By Myril Shaw, Chief Operating Officer, Dealer Profit Services

In today’s economic and industry conditions, it has never more important to maximize F&I gross and net profit.  With increasing unit prices, decreasing margins, slowing sales, and increasing inventory (and so, inventory carrying costs), dealership profitability is declining.  The only real way to help offset the loss is to ensure F&I profit is the maximum it can be for now – given that there is always room for continual improvement.

A key role for and duty of dealership leadership is to set/define and communicate the Mission – the Targets – the core Processes for achieving the Targets.  These must be defined for the Dealership as a whole, as well as the key divisions – Sales, Service, Finance, etc.  This not to say that these cannot be adjusted and results and learning occur, nor is it to say, that these define the top of the mountain – there is always room for improvement.

The techniques for achieving the Mission, Targets, and Processes can and should be taught as a separate matter.  These are team matters and individual behaviors and constitutions may influence the techniques.

What follows are suggested Mission, Targets, and Processes for F&I Profit Maximization.  The specific language does not matter – it is the thought that counts – personalization is expected.

Mission

Deliver the maximum F&I Net Profit today while providing a delightful customer experience that enables a ensures a fantastic and protected lifestyle while always focusing on continuous improvement in all areas.

Targets

In order to achieve the defined message, the following Targets must be achieved:

·        Deliver F&I Net Profit of 5%+ on Unit Sales by delivering 6.67% F&I Gross Profit on F&I Sales

·        Deliver 7.5%+ F&I Gross Profit on Amount Financed

·        Deliver the sale of one or more Protective Products on 70%+ Finance Deals

·        Deliver the sale of one or more Protective Products on 35%+ Cash Deals

·        Cap the “all-in” cost of F&I at no more than 25% of F&I Gross Profit – “all-in” means: all salary and burden; cost of bureau pulls and application processing, space allocation cost, equipment/cabinet cost and depreciation, etc.

Processes

In order to achieve the defined Targets, the following Processes must be executed:

·        The message, “Competitive Financing Available”, must be presented with high visibility with every customer touchpoint: ads; website, signage; etc.

·        The customer is introduced to the Finance/Business Manger at the very outset of the inventory/unit shopping/search with the fact that they will meet the Business Manager every time at the conclusion of their search “to ensure a delightful delivery”

·        100% of Customers, Cash or Finance, meet the Finance/Business Manager 100% of the time

·        100% of Customers are offered a full set of Protective Products – with their lifestyle value – 100% of the time

·        Depending on the Dealer Cost of the Protective Products, customers will be offered selling prices at 120% to 400%+ mark-up/profit (except in Florida, where retail prices are enforced)

This Mission, with these Targets and Processes will guide the path to maximizing F&I Profit.  The next step, and the topic of the next post, is identifying and guiding the techniques needed/used to execute these Proceses.

If this seems overwhelming, it does not need to be.  This is where Dealer Profit excels.

Contact us today at info@dealerprofit.com.  We will help!

About Dealer Profit Services

As a premier F&I Services Provider, Trainer, Consultant, and Comprehensive Compliance Program supplier, Dealer Profit Services, a member of the Brunswick family, is about improving a dealer’s F&I profit and then providing the tools to ensure that profit is protected.  As a Service Provider, Dealer Profit Services provides complete F&I services and delivers industry-leading F&I Profit Results.  As Trainers and Consultants, we help dealers improve their in-house F&I departments.  Through the Comprehensive Compliance Program, Dealer Profit Services provides an online, on-demand, Compliance Program with documents, training, and tools to make F&I Compliance a process that helps protect the dealer against potential risks from compliance issues.  Learn how to use Dealer Profit Services F&I Delivery Services – Click here.  Get your Comprehensive Compliance Program here - just click. Learn more by visiting dealerprofit.com, email info@dealerprofit.com, or call (470) 326-0966. 

Three Industry Organizations Plus 20 Groups – Giving Dealers The Best

By Myril Shaw, Chief Operating Officer, Dealer Profit Services

The National Marine Manufacturers Association (NMMA), the Marine Retail Association of the Americas (MRAA), and the National Marine Lenders Association (NMLA) are all critical resources for and to dealers.  On top of these, there is no excuse for a dealer that wants to be the best not to be involved in a 20 Group.

According to the NMMA: “The National Marine Manufacturers Association (NMMA) is the nation’s leading trade association representing boat, marine engine and accessory manufacturers. Collectively, NMMA members manufacture an estimated 80 percent of marine products used in North America.

NMMA is a unifying force and powerful voice for the recreational boating industry, working to strengthen and grow boating and protect the interests of its member companies.”  In addition,” NMMA programs and services are designed to serve the best interests of its members and the recreational boating industry. To that end, the NMMA:

• Represents the industry on public policy issues, advocating at state and federal levels to protect the interests of the marine industry and the users of products 
• Collects, analyzes and distributes industry, economic and market data; NMMA is the industry’s primary source of recreational boating research, statistics and technical data. 
• Promotes recreational boating through consumer outreach 
• Provide information/represent the industry’s interests to the media and other public entities.
• Produces boat and sport shows in key North American markets to provide quality sales venues for exhibitors and consumers
• Co-owns/produces the trade event IBEX (International BoatBuilders’ Exhibition and Conference) to generate business opportunities for marine companies
• Works to create opportunities overseas; offers information and services to help members expand into the global marketplace 
• Maintains boat, trailer and oil certification programs to promote safety and help manufacturers produce quality products
• Assists the industry in continuously improving customer satisfaction with the purchase, delivery, product, use and after-sale experiences through CSI (Consumer Satisfaction Index)”

Why do dealers care?  The NMMA enables the best boats and engines for dealers and customers.  This means better boats and better profits.

The MRAA is all about the dealer in every way possible.  It has incredible dealer education resources.  Every year they host the MRAA Dealer Wee which is the greatest dealer education and networking resource available anywhere and which applies to every aspect of dealership operations, management and service.  They have incredible resources available on-line. The MRAA is about helping dealers to be the best that they can be.  Any dealer who is not active with the MRAA does not care about being the best that they can be.

The NMLA deals with the financial side of the marine industry – an area critical to to successful financing and lending practices.  The NMLA is the dealers friend and advocate with the lenders and the government.

“The National Marine Lenders Association (NMLA) was incorporated in 1979 and its members are banks, loan origination companies (service companies), finance companies, credit unions and other industry professionals. The association was created to educate current and prospective lenders in marine financing procedures, promote the extension of credit to consumer and trade borrowers, maintain alliances with industry partners, measure and report on the vitality of the marine lending market, and actively maintain networking and communication benefits for its members. “

Finally, for dealers who want to be the best, there are the 20 Groups, such as those facilitated by people like David Parker.  These 20 Groups are more intimate settings where dealers share what they are doing, what is working and not working, and what they have found to be best practices.  These groups share financial and practice information and learn from each other about daily practices.  The dealers who truly want to be the best are always 20 Group members.

Dealer Profit Services actively promotes all of the above and always wants to to dealers who want to be the best, be the best - either through training or by taking it over for you (which will be cheaper than in house!)

Contact us today at info@dealerprofit.com.  We will help!

About Dealer Profit Services

As a premier F&I Services Provider, Trainer, Consultant, and Comprehensive Compliance Program supplier, Dealer Profit Services, a member of the Brunswick family, is about improving a dealer’s F&I profit and then providing the tools to ensure that profit is protected.  As a Service Provider, Dealer Profit Services provides complete F&I services and delivers industry-leading F&I Profit Results.  As Trainers and Consultants, we help dealers improve their in-house F&I departments.  Through the Comprehensive Compliance Program, Dealer Profit Services provides an online, on-demand, Compliance Program with documents, training, and tools to make F&I Compliance a process that helps protect the dealer against potential risks from compliance issues.  Learn how to use Dealer Profit Services F&I Delivery Services – Click here.  Get your Comprehensive Compliance Program here - just click. Learn more by visiting dealerprofit.com, email info@dealerprofit.com, or call (470) 326-0966.