When a buyer leaves without a loan, give them an honest next step.
Some customers walk out of a dealership unapproved and unsure why. A free, educational Credit Autopsy™ helps them understand their own credit reports, on their own time. You share a link, only after the credit decision and your required notices. Nothing is paid in either direction, we never touch your deal or your customer files, and we never tell anyone what a lender will do.
You see customers leave unapproved. Offer this only after the decision and your required notices, never as part of the deal or a condition of anything.
For licensed dealerships. This is not a lead program and not a financing program. FundedCEO™ is not a lender and does not guarantee any approval, rate or outcome. The Credit Autopsy™ session is free. Additional FundedCEO™ services may carry a fee, which is explained in writing before anyone decides.
They picked the car. They wanted to sign. Then the decision came back, and they left without a loan, with no idea what to do next.
Most of the time nobody explains what lenders actually looked at, so the customer guesses or gives up. Here is where it shows up, and what a free, educational session helps the customer understand on their own time, after your required notices have been delivered.
"Approved for the car, declined for the loan."
→The customer learns how to read their own reports and what lenders commonly look at.
Self-employed or gig-income customers who look riskier on paper than they are.
→The customer learns how income and documentation are commonly read, and what to organize.
Old collections or charge-offs the customer didn't know were there.
→The customer sees what is on their three bureau reports, and can dispute inaccurate items for free.
A co-signer's file is part of the picture.
→The customer learns how a joint application can be affected, and what to ask next time.
Thin file, not bad credit.
→The customer learns what a thin file is and common ways people build one over time.
A rate tier makes the payment unworkable.
→The customer learns what commonly influences a tier, without any promise about a future one.
Someone else's history shows up on the customer's file.
→The customer learns how to spot and dispute inaccurate or mixed-up information themselves, for free.
The customer leaves and never comes back to the topic.
→An independent, optional resource gives them an honest next step instead of a dead end.
Educational only. No approval, rate, score change or timeline is promised, and every lender decides under its own rules. Nothing here explains any specific lender decision. Only the lender's notice can do that.
I've stood on your side of the desk, and on the lender's.
I owned two dealerships, 4 Day Auto and Autorama, and I know what it is to watch a customer leave because a financing decision didn't go through. I also spent 15 years across Morgan Stanley, HUD and Capital One, on the lending and servicing side of those decisions.
FundedCEO™ is built as education first, and kept entirely outside the deal. It does not replace your notices, your process or your lenders. One person's story is not a prediction of anyone's results.
Outside the deal, outside the file, outside your financing.
A dealership is not a neutral party in a credit decision. It arranges the financing, often earns on it, and has legal duties when an applicant is declined. That is exactly why this program stays entirely outside the transaction: a separate, optional resource, offered after the decision, with no money, data or influence moving between us.
Partner
- How customers reach usYou share a link or QR code on your own timing. The customer registers on their own.
- What you receiveAn educational resource for customers, approved wording, anonymous activity counts such as link clicks, and a due-diligence package on request.
- What we receive from youNothing. No names, no applications, no lead lists, no deal information.
- Payments and giftsNone, in either direction.
- Credit informationStays with the customer. Anything shared with you is the customer's own choice.
The things that create exposure for a dealership
- Replace your required noticesThis is never a substitute for an adverse action notice or any disclosure the law requires you to give a declined applicant.
- Explain why a lender declinedOnly the lender's notice can say that. We help people read their own reports, not guess at a lender's decision.
- Enter your dealWe don't touch pricing, financing, trade-ins or add-on products, and the link is never a condition of a sale or a loan.
- Take customer dataWe never accept applications, credit reports or customer lists.
- Send customers back or to anyoneWe don't refer customers to any dealership, and we don't tell you who attended.
- Operate under your nameWe don't present our services as the dealership's, and we don't use your name, logo or testimonials in our marketing.
Your deal stays your deal.
We don't touch your financing, your lenders or your customer files. We run one educational session and stay out of the way.
The optional pointer
- Deliver every notice and disclosure the law requires, through your normal process.
- Offer the link only after the credit decision is communicated, as optional, independent information.
- Use only approved wording, and train staff on it.
- Keep customer files and applications to yourself.
The education
- Run the free Credit Autopsy™ session or a Next Step Call.
- Disclose that we are a for-profit company, and explain any paid option and its cost in writing.
- Keep attendee information confidential, even from you.
- Stay out of financing, pricing and approval questions.
The decision
- Chooses whether to attend, with no pressure and no effect on any purchase.
- Pulls their own reports through our credit-monitoring provider. Its terms, including the price after the trial, are on that provider's sign-up page.
- Decides whether to share anything with you.
- Can dispute inaccurate items on their own reports for free.
Four steps, with your review built in.
Introduce your store
Tell us your locations, how you finance sales and your compliance contact.
Complete your review
Your compliance counsel reviews us. We supply a due-diligence package and sign short Partner Terms: no payments, no lists, no promises.
Approve the materials
Approved wording, a link and a QR code. Nothing goes out in your name without your sign-off.
Share at the right time
After the decision and your required notices, never during negotiation. The customer registers privately. You see anonymous counts only.
Rules we hold ourselves and every partner to.
We would rather lose a partner than put a customer, or your license, at risk.
We will never ask you to
- Accept anything of value for a referral, or send us customers in exchange for any benefit.
- Send us applications, credit reports, customer lists or any deal information.
- Pull anyone's credit for us, or share a credit decision with us.
- Tell a customer we can get them approved, or that waiting for us will change a lender's answer.
- Advertise or describe our services as your own, or vouch for us.
What every partner agrees to
- Give every required notice and disclosure through your own process, whether or not the customer uses our link.
- Offer the link only as optional, independent education, never as a condition of a sale, a loan or a better price.
- Keep it out of negotiation, application and contract-signing steps.
- Keep your own advertising, financing and add-on practices separate from ours.
- Use only approved wording, and send anything new to us first.
Questions dealerships ask first.
Can I earn a referral fee or revenue share?
No. We don't pay referral fees, bounties, revenue shares or gifts, and we don't accept them from you. Payments tied to customers and credit services create legal and licensing questions we would rather avoid. We give up the incentive on purpose.
Will you tell my customers why they were declined?
No. A lender's reasons come only from the lender's notice, which your dealership is responsible for delivering as the law requires. Our session teaches people how to read their own reports and what lenders commonly look at. It does not explain any specific decision.
Does this replace our adverse action process?
Never. Give every required notice and disclosure through your normal process. Our link is optional, separate and offered afterward.
Can I offer it while a customer is still negotiating or has an open application?
No. Keep it out of negotiation, application and contract steps. Offering it mid-deal could look like a way to delay, steer or hold a customer, and could be read as a condition of the sale.
Will you send customers to my store, or back to it after they rebuild?
No. We don't track customers for you or refer them to any dealership, and we don't promise introductions or any volume of business. We hold no list and don't tell you who attended. A customer is always free to shop anywhere.
Do I need to worry about customer data with you?
We never accept applications, credit reports or customer lists, and we never send credit scores or results to you or any lender. So there is no customer information for you to send or for us to protect on your behalf.
Will you guarantee my customers get approved?
No. We don't guarantee score changes, deletions, approval, rate or timing. Every lender applies its own policies and makes its own decision.
Will you use my name or ask for a testimonial?
No. We don't use dealerships' names, logos or testimonials in our marketing, and we don't ask you to vouch for us or recommend a paid program.
Will you go through our compliance review?
Yes. We expect it and will supply a due-diligence package. We would rather be vetted than skipped.
Is it really free for customers?
The educational session is free. Customers pull their own reports through our credit-monitoring provider, which currently offers a $1 trial for the first 7 days and then $29.90 a month unless the customer cancels; the terms are shown on the provider's sign-up page. If a customer is interested in a paid FundedCEO™ service, we explain it and its cost in writing first.
Want an honest next step for customers who leave without a loan?
- Licensed and in good standing where licensing applies.
- You will complete your compliance review before sharing the link.
- You will use approved wording only, with no outcome promises.
- No payments or things of value, in either direction.
We review every request and we are selective on purpose. Submitting a request does not guarantee acceptance, and it creates no agreement.
Request received.
Thank you. We review every request and will email you at the address you gave. This request is not an acceptance and creates no agreement.