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David Wheelock

The F&I Goldilocks Zone: Finding Your Sweet Spot in a Universe of F&I Providers



In the field of Astronomy, there is a phenomenon known as the "Goldilocks Zone," sometimes referred to as the "Habitable Zone." This zone is defined as “the area around a star where conditions are just right for liquid water to exist on a planet's surface and potentially support life.” It is the sweet spot for life to form and eventually thrive. While there are countless galaxies, stars, and planets in the universe, finding the sweet spot that supports life is rare and special. Earth is graced with ideal conditions for success.

 

The same phenomenon exists in the world of F&I. There are hundreds of F&I providers — large, small, and everything in between. Many of them look and sound similar. They offer near-identical products, comparable terms of service, and even spout the same old cliched promises. While providers look and sound the same, there are important differences that demonstrate why AutoXcel makes life most habitable for your dealership.

 


Others In the Universe of F&I Providers


The Big Planets: Our industry is eclipsed by a few corporate giants whose gravitational pull attracts many Dealers and Agents. The question is, can they give you the personal attention and responsive service that your dealership deserves?

 

The Little Guys: Smaller, often niche F&I providers pop up and have limited capabilities and industry expertise.

 

The Change Agents: Providers who use marketing tags, claiming to be “industry disruptors,” professing to have a new take on an outdated business model. Much of it is marketing the flash and software, but personal reliability is lacking.

 

 

AutoXcel Sits in the Goldilocks Zone


The positioning of the Big Planets, the Little Guys, and the self-appointed Change Agents might all have their attraction, but they are not in the Goldilocks zone. Blending the best elements of being an F&I provider, AutoXcel provides dealerships with the prowess of a comprehensive suite of products, customized investment strategies, and most importantly, everyday personal service.

 

AutoXcel is an industry leader with over 20 years of F&I experience. We have grown every year since our founding, and while our capabilities, offerings, and expertise have grown, AutoXcel continues to deliver personal attention, helping grow our Dealer and Agent partners.

 


Why We’re in the Sweet Spot for Thriving Dealers and Agents:

 

We Put People First:

At AutoXcel, F&I is very much a personal business. And while we leverage proven technology to facilitate Dealer growth and efficiency, our people, and the partners we serve always come first.

 

But don’t take it from us: Read what our partners are saying about us!

 

A Track Record of Innovation:

AutoXcel created the very first F&I Bundle, and we have been leading innovation in the industry ever since. From setting the standard in Tire and Wheel programs to revolutionizing the Wheel Repair business through our WheelRenew operation to building out an impressive portfolio of service contracts suited to the specific needs of Dealers, AutoXcel evolves quickly with the needs of the industry.

 

A Deep Portfolio: 

Growing F&I revenue and serving the needs of drivers at the Dealer level relies on product choice and quality. AutoXcel has an F&I portfolio of over 30 unique programs and even more customized solutions for individual dealerships than we can count.

 

Critical In-House Infrastructure:

Our partners repeatedly tell us that we handle Claims better than our competitors. AutoXcel’s Claims team consists of highly trained professionals (including ASE certified) whose mission is to deliver personal and efficient service for every claim. There is no impersonal service, long wait queues, or cumbersome claims apps. It is about getting the Claim handled.


 

Our on-site Accounting and Compliance professionals provide dealers with speed and adaptable programs, quicker approvals, comprehensive reports, and real-time iterations of forms and contracts. Deals close faster and with fewer headaches. 

 

AutoXcel understands and provides Reinsurance structure, an understanding of IRS codes, and insight into Investment compounding to your advantage. It is all about helping you make more money.

 

A Reputation of Integrity:

Doing right by our Dealer and Agent partners and looking out for the drivers who rely on our programs is central to the DNA of our company. It starts at the top with our President & CEO, Mark Evans, who has a decades-long reputation for trust and honesty, and that identity is embodied throughout our entire organization. 

 

Come Thrive with AutoXcel in the Goldilocks Zone

 





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