National Marine Lenders Association Conference Outcomes - F&I Profit Becomes Increasingly Important

 

By Myril Shaw, Chief Operating Officer, Dealer Profit Services

The National Marine Lenders Association (NMLA) Conference wrapped up last week.  So much fantastic and important information from and with an amazing group of people – every dealer needs to thank this organization for everything that they do for dealers and the industry.  I feel blessed and honored to be part of it.

There were several presentations on economic trends and conditions.  To say that everyone agreed on everything relative to the economy and where it is going would be a gross overstatement.  There are a lot of shattered crystal balls out there.

That said, there was complete agreement on one set of issues that will clearly and directly impact dealers, and which makes one often overlooked area in the dealership critically important.

The things everyone agrees on are:

·        Unit prices are going up – in some cases rather dramatically

·        Higher unit prices make it much more difficult to hold margin – meaning less profit per unit

·        Higher prices also mean that the rate and absolute number of sales is going down

·        Manufacturing is normalizing and so manufacturers are shipping inventory to the stores at the old rates

·        With higher inventory and higher prices, inventory carrying costs are going up

·        With less profit per unit and higher carrying costs, dealership profitability is being driven down – sometimes significantly

With standard operational profit down, what can dealers do?

There is one source of “free” profit – meaning that, except for personnel and standard transaction costs which are unchanged, this is a source that help protect dealer profitability.

This magic source is F&I profit.

Done right, F&I profit can represent 5% + of unit sales – and with practice and discipline, it can improve from there.

There are few key steps to achieve this level of F&I Profit – and they start with leadership and a declaration that F&I profit is critical and the steps needed to achieve it will be followed.

The key elements to achieving excellent F&I Profit are:

·        Advertise “Competitive Financing Available” early, often, and loudly including on the website, in any ads that are being run, as well as in-store signage

·        As soon as the customer arrives to look at inventory, the first thing they hear, before they even declare “cash” or “finance” is “Once we have found unit you fall in love with, you will see our Business Manager” to make sure that Delivery is a delightful as it should be”

·        100% of customers, cash or finance, talk to the Business Manager 100% of time

·        For cash buyers, the first thing that the Business Manager offers is “If you are paying cash, you must have great credit, wouldn’t you at least like to see what your options are and maybe save that cash for some extra fun in your lifestyle?” – note that 80% of “cash buyers are not paying with “liquid” cash, so they are actually prepared to finance in some form

·        100% of buyers are presented with a full set of relevant protective product options with initial profits on those products ranging from 120% to 350% of dealer cost – penetration rates on protective products (the number of deals on which one or more protective products are sold should be 65% + on finance deals and 35% + on cash deals

When dealership leadership declares the importance of F&I profit, lays out the goals, and targets, and ensures that the team is properly trained on the techniques, F&I Profit with exceed 5% on unit sales.

We can help you do that – 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. 

Mission, Targets, and Processes Are Senior Leadership Issues – Everything Else Follows From There

By Myril Shaw, Chief Operating Officer, Dealer Profit Services

 

The Mission Statements, the Targets needed to execute that Mission, and the Processes that will be enforced to meet those Targets are defined by Senior Dealership Leadership. 

 

The techniques, conversations, and behaviors needed to successfully execute the Processes can be trained and to some extent discussed with the team to find what look to be the most likely to succeed in those areas.

 

To be clear, Mission, Targets, and Processes can be modified as learnings occur.  Similarly, the techniques, conversations, and behaviors needed to successfully complete the Processes and to achieve the Targets can and should be adjusted as it becomes apparent what is not working, what is working, and what can be done better.

 

They key here is that Mission, Targets, and Processes MUST be defined by Senior Dealership Leadership – reaching out quietly for some Process advice may be okay on a very limited level, however, the leadership should educate themselves through 20 Groups, Dealer Organizations, and other training opportunities so that they feel comfortable defining them.  They should also feel confident enough to observe what is happening and make adjustments themselves.

 

Start with the Mission.  This is the statement that defines what the Dealership aspires to be and deliver at the 100,000 foot level.

 

“We will deliver the most profit in our particular class and product set while also achieving the highest Customer Satisfaction Score in that class.  We will do this in both sales and service.”

 

This has to be adjusted to fit the store’s specific areas and true mission objectives.

 

The Targets are the specific measures that will achieve the Mission:
“
·        Average Unit Sale Price will exceed $xxx (this is clearly specific to the blends and prices of units at the store)
·        Net F&I Profit will contribute 50% of the store’s Net F&I Profit
·        Net F&I Profit will exceed 5% of F&I on Unit Sales
·        F&I Profit on Amount Financed will exceed 8.5% of Amount Financed
·        50% of Units Sold will be financed
·        CSI will be greater than 95
“
Of course, the Targets must align with the actual Mission.

 

Once the Targets have been defined, the enforceable Processes must also be specified.
“
·        95% of Units are sold at MSRP or better if new, or 95% or more of NADA Suggested Retail
·        100% of Customers meet with the Business/Finance Manager and presented with an initial offer of 100% Reserve (if relevant) and will always be presented with a complete package of potential Protective Products
·        Sales, marketing, and advertising will be structured to ensure that EVERY customer knows about financing opportunities
·        Every customer receives a CSI questionnaire and a follow-up if not answered
“
As before, the Processes must align with the Targets.

 

The key element here is that it the responsibility of Senior Leadership to define, monitor, enforce, modify (as needed), the Mission, Targets, and Processes.  These are not “group negotiable”, they are “group deliverable”.  These define the store and what it wants to be.

 

Once these are set, training and tracking needs to be put in place for delivering on the Processes that will achieve the Targets and achieve the Mission.  That training can be defined and delivered at many levels, and can be in many areas, and can be modified quickly as weaknesses or best practices are identified.  Training is discussable at all levels. 

 

Mission, Targets, and Processes are not group discussions, except among Senior Leadership.  The team needs to know that the purpose and function of being on the team is to deliver and not debate on Mission, Targets, and Processes.

 

Need help with setting out, or figuring out the Mission, Targets, and Processes – or how to deliver the message?
We can help you do that – 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. 

F&I Net Profit At The Store – Okay Or Awesome?

 Ditto For 2021

        By Myril Shaw, Chief Operating Officer, Dealer Profit Services

        Any Dealer settling for less than 5% F&I Profit on Unit Sales is doing themselves an expensive             disservice. 

        Achieving this level of profit is actually not difficult.  It does require commitment, discipline,                 consistency, and enforcement.

        The starting point for consistently achieving 5%+ F&I Profit on Unit Sales is to make the two                 guiding principles of F&I success a part of the store culture.  These principles are:

        1)     The Hypocratic Oath of F&I – First, do no harm.  Nvere cost a sales in the interest of                 profit,,,make sure that the unit leaves the store;

        2)     Aggressive and graceful in retreat – You never make more than what you ask for the first             time.  The training and the culture MUST ensure that the initial offer to the customers                 maximizes Reserve and Protective Product Profit.  That said, there has to be a plan and             consistent process to walk back this initial offer when necessary without making the                     customer feel as though they were being taken advantage of.

        Once the two guiding principles are entrenched, the path to 5%+ F&I Profit is straightforward                 when the rules and techniques are taught and enforced.  The rules are:

 

       1)     Advertise financing very early, very consistently, very loudly, and very often.  “Competitive         financing available.”

        2)     100% of the customers get to the Business Manager/Finance Manager 100% of the time –         no exceptions.  The Business Manager/Finance Manager should be introduced to the                     customer at the start of the shopping process – not at the end.  Even if a customer says,             “I’m paying cash”, they still meet the Business/Finance Manager to “ensure a delightful             delivery process.”

        3)     Every Cash Buyer is offered the opportunity and a reason to convert to Finance                           immediately after selecting their unit.  “If you are paying cash, you must have great credit.          Wouldn’t you at least like to see what your options are and maybe save that cash for more             fun in your lifestyle?”

        4)     For Finance Customers, the customer is introduced to the process within 5 minutes of completing their Credit Application.

5)     All Finance Customers are offered a complete Protective Product package 100% of the time.

6)     Finance Customers are presented with payment and term and NEVER price or interest rate unless/until they specifically ask.

With these six steps, cash buyers should be averaging 2% - 3% F&I profit on the purchase price.  Finance customers should be averaging 9%+ F&I Profit  on the amount financed.  Together, these will yield well above 5% F&I Profit on Unit Sales.

It’s not hard – it just takes discipline.  Start today.

If you have questions about the process/training or if you just want help in seeing these results, we can help.

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. 

Why Dealers Should Care About The National Marine Lenders Association

 

 

By Myril Shaw, Chief Operating Officer, Dealer Profit Services

 It is highly likely that most dealers will never interact directly with the National Marine Lenders Association (NMLA), except, perhaps, to occasionally attend an NMLA Workshop.  Given this lack of direct connection or contact, why should dealers care about the NMLA at all?

Just as participation in 20 Groups, the MRAA, and/or the Top 100 program makes for better dealers, participation in the NMLA makes for better lenders – and dealers really need to care about that.

The NMLA spends a lot of time and energy making sure that lenders are completely up to date on the latest trends and issues in the marine industry.  That makes lenders more attentive and responsive when it comes to dealer needs and requirements.

The NMLA spends a lot of time and energy ensuring that dealers are fully educated and ready for all of the current underwriting, collateral valuation, lien perfection, and other issues that affect dealers daily.

These efforts make lenders much better partners for dealers and much more able to communicate both best practices and paths to the greatest success.  Dealers should and need to care about that.

Through the NMLA Lenders come to understand all the current industry standards regarding both floor plan and consumer financing.  That keeps them competitive and in-market.  Through this, they deliver better results for dealers.

Dealers win by ensuring that they are working with NMLA affiliated lenders.

What the NMLA does for dealers is provide educated, competitive, and interested lenders.

Following is the first part of the NMLA Value Proposition:

“The National Marine Lenders Association offers significant value to all marine lenders desiring to be better informed about legislation that could impact the marine finance industry, have the latest statistics on marine loan portfolio demographics and performance, and access to the most experienced professionals in the marine finance industry. The association is committed to public advocacy to support and protect marine lending, track national trends in marine lending through its quarterly surveys and annual member reports, provide education specific to marine lending through both its annual lenders’ workshop and annual conference, and distribute timely communication about its industry via the website, newsletter and member alerts. The NMLA's latest initiative, the Future Marine Industry Professionals program, will mentor industry members who wish to become involved in the association and help guide the marine lending community into the next decade and beyond.”

Dealers need to care about working with the NMLA Lenders, because, ultimately, the NMLA cares about the dealers through their work with dealers.

Even though dealers and the NMLA may never engage directly, dealers benefit from NMLA engaged lenders…it is an in-direct marriage made in heaven.

If you have questions about the NMLA, and we are a member, we can help.

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 F&I The Largest Profit Center In Your Store By Making It Fun and Inspiration

  

By Myril Shaw, Chief Operating Officer, Dealer Profit Services

Why even do or offer F&I?

Boating and RVing are lifestyle choices and are not living requirements.  Being out on the water or in the woods is Fun.  Finding that breathtaking view or having that stunning experience is Inspirational.  That is the lifestyle that customers are seeking.

What F&I in the store does is enable Fun and Inspiration for your customers.  While effective F&I is about profit for the store – it is about lifestyle enablement and protection for the customer.

When a customer needs or wants to finance to enter or maintain the number one issue is NOT the interest rate, it is about overall payment and getting into the unit.  There is absolutely no reason for F&I to be afraid of maximizing the interest rate in the first conversation in the interest of maximizing profit.  The F&I experts just need to know how to walk that rate back gracefully when the customer resists – some customers just like to negotiate, and others genuinely have a local lender with whom they have a relationship, and who is willing to offer a lower rate.

In any case, the two key principles of F&I always apply:

1)      The Hypocratic Oath of F&I – First, do no harm.  Never cost a sale.

2)      Aggressive and Graceful in retreat – Always start with the maximum package and know how to walk it back without insulting the customer.

The “interesting” thing about the interest rate is that it must be factored into the full package of both loan rate and protective product sales.  Protective products are also very important to lifestyle enablement and protection.  There may be times when it makes sense to adjust the rate down a little to sell a bigger/higher profit bundle of protective products.

Protective products are introduced and sold with stories, not features.  Of course, the features will be described.

Examples of those stories that sell are along the lines of the following:

“I had a customer a few months ago who got this engine warranty.  They broke down out on the lake.  Their tow was covered.  Their lift out was covered.  The repair was covered and they were back on the water in a week with only the $50 deductible out of pocket.  Needless to say, they were very happy.”

“There are some folks who purchased this pontoon and it has carpet.  Not long after they got it, they were having a party at their dock and someone spilled a glass of red wine on their caret and it left a stain.  Because they had taken the interior/exterior protection, the carpet was restored to new condition in just a matter of days.”

“The Trophy Fishing Accessory Package saved the day and the dollars for my customer when their depth finder stopped working.”

“It was scary.  These people had their boat parked at their dock, and fortunately, they were not on it.  Early in the evening, a drunk boater rammed their boat and sank it.  It was totaled.  Because they had purchased the GAP Waiver, the difference between what was owing on the loan and what the insurance company said the then declared value of the boat was fully covered.  Between the Insurance Coverage and the GAP payout, they were able to go right back to their dealer and get a new boat without being out of pocket.”

These are not “feature” stories, they are “lifestyle protection” stories.  These stories help make these products appear invaluable and allow for very strong protective product penetration with maximum profit.

F&I does not mean cost to the customer, it means that they can comfortably enter and sustain a truly Fun and Inspirational lifestyle.

As a positive aside, done right, these products should provide the dealer with 5%+ F&I Profit on unit sales with Protective Product penetration rates of 60%+ to over 80%.

F&I makes for good days for dealers and their customers.

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.  

F&I Profit Comes From F&I Process - Train Your Team To Be The Best

 

By Myril Shaw, COO, Dealer Profit Services

Your F&I Net Profit should be contributing as much as 50% or more of your store’s net profit.  If that is not the case, your F&I Process needs tuning and your team needs training.  F&I success is not an art, it is a science and your team can learn the science.

F&I Profit starts with two key principles:

1. The Hypocratic Oath of F& I – First, do no harm.  Never cost the team/store a sale.  If it means $0 reserve and no Protective Products (or, at least, no Protective Product profit), ensure that unit ALWAYS gets out the door;
2.    Aggressive and Graceful in Retreat – You never get more than what you ask for the first time.  The initial conversation with the customer must include the maximum reserve and a full menu of Protective Products  with maximum profit – then you need to know how, when that sharp intake of breath is heard from the customer, to gracefully walk back the offer until the customer agrees.  Typically, that process starts with, “Well, that was just our first call, let me check and see what else we can get…”

3.      

The team needs to understand the lenders so that reserve can be maximized.  They need to understand the available protective products so that they can maximize profit and assemble effective and logical packages.  The one product that should be offered on every finance deal with a down payment of 20% or less is GAP Waiver.  It is an easy sales and can produce a great profit percentage.

Engine warranties are an important and effective profit driver – but the ability to sell them, but they be limited by the manufacturer warranty offered on the engine. 

Accessory warranties are generally good to offer. 

Interior/exterior protection is easy to tee up and once teed up is a fairly straightforward sales with great profit. 

Tire and wheel/tire and road hazard would always be the last element of a bundle if it is included at all.  There is not a lot of profit on either an absolute or relative basis. 

Once the team is versed on what to sell, when, and how, the next critical element is monitoring results and holding the team accountable for continuous improvement in all areas of F&I sales.  Targets should be set at 5% F&I profit on unit sales and 9%-10% F&I profit on the amount financed.  Protective products and even financing should be offered to ALL customers, including cash buyers (80% of cash buyers are not paying with liquid cash, so there is a chance to convert cash buyers to finance.) 

Once these targets are achieved, raise them…and repeat.

Practicing the science of F&I will make it a major profit center at your store.

 Dealer Profit Services - Driving Profit Through Fun and Inspiration  

Dealer Profit Services, LLC, a member of the Brunswick family,  can help you achieve F&I excellence - no matter where you are in the development and/or maturity of your store or stores F&I success model.  As the industry's best Finance Solutions Provider and the only one to take your customer to Fun and Inspiration with a Free and Idyllic lifestyle through F&I, thus driving industry-leading levels of F&I profit, Dealer Profit Services can and will equip you with what you need to take that next step in your F&I success - regardless of what that next step might be.  Whether you want someone to help you take over take over your F&I and with our experienced personnel just help you drive profit to your store, provide help to you some of the time, need some quick advice, or just provide F&I Training/Consulting, we are here to help you.  If you are not fully equipped with all of your Compliance Manuals and Training, Dealer Profit Services can do that too.  Contact us anytime at info@dealerprofit.com or give us a call at (470) 326-0966.   

Training Makes The Difference – Get To 5% F&I Profit On Unit Sales

  

By Myril Shaw, Chief Operating Officer, Dealer Profit Services

F&I Profit comes from training, not from instinct.  It is not natural and it does not come from simple conversations.

First, there has to be a clear target on F&I Profit.  It has to be 5% or more on unit sales.  If you have not set that target, it needs to change today.

In today’s market, with rising rates and decreasing consumers, this is a target that becomes increasingly challenging.  That said, it is still attainable and should be the goal.

First, you still have to maximize your reserve.  Rates will be higher, but so will the expectations of buyers.  Even more important, selling protective products at a good margin is critical.  This combination will drive your F&I Profit higher.

You must have the products to offer for protective products.  You must have the friendly aggression to drive the maximum reserve.

This is what will help your store maximize profit.

We can help you do that – 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. 

 

High Performance F&I Results Are Not Just Natural – They Are Trained

 

By Myril Shaw, Chief Operating Officer, Dealer Profit Services

F&I Profit does not come naturally.

The natural F&I Profit is mediocre at best.  It is influenced by the sales team.  It is influenced by average performance by the F&I/Business Manager.  It is influenced by mediocre expectations.

If you are not looking for 5%+ F&I Profit per unit sales you are missing the mark.  If you are not looking for 7.5% F&I Profit per amount financed, you are missing the mark.  If you are not doing 100% Turnover on all deals in your store, you are missing the mark.

Your team can be trained, and we can do it.

What does training mean?

It means teaching your sales team what to say, and more importantly what not to say.  It means teaching your F&I team how to maximize F&I Profit.

There are two key/core principles in F&I.

1)      The Hypocratic Oath of F&I

First do no harm.  No matter what, the unit goes out the door.  F&I will never stop a sale and will never prevent a unit from leaving the store.  No reserve, no protective product profit, no problem.  The unit sale is top of the list.

2)      Aggressive and Graceful in Retreat

You never get more than what you ask for in the first place.  The first conversation with the customer has to include the maximum reserve and the best/maximum package of protective products.  When the customer objects, there has to be graceful way to back down, without making the customer feel like they have been “played” in the first place.  It can and should be done.

These do not come naturally.  They come from training.

If your store is not meeting the metrics mentioned above then you are not meeting /following the principles mentioned above.

It is time for training.  That is one of the great things that we do.

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.  Get your Comprehensive Compliance Program here - just click. Learn more by visiting dealerprofit.com, email info@dealerprofit.com, or call (470) 326-0966.  Dealer Profit Services is proud to be a member of the Brunswick family.