AiAuto
AiAuto (Virtual F&I, Inc.) is a US-based SaaS company that provides a unified cloud platform automating automotive dealership Finance & Insurance operations — including deal management, AI-driven product presentation, digital retail, compliance recording, and analytics — for franchise dealers, independent dealers, dealer groups, and OEM partners across three deployment models.
- Company typePrivate
- Founded2024
- HeadquartersParsippany, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What AiAuto does
AiAuto (legally Virtual F&I, Inc.) is a US-based SaaS provider founded in 2024 and headquartered in Parsippany, New Jersey, that delivers a unified cloud platform for automotive dealership Finance & Insurance (F&I) operations. The platform combines vPortal (central deal management hub), vMenu (F&I product presentation with AI-driven package recommendations), vRetail (digital retail and omnichannel deal flow), and DealCast with DealCast Studio (real-time synchronized in-store presentation casting) into a single connected workflow. Supporting modules include Quick Quote (lightweight pre-F&I quoting and CRM), Dealer Dashboard (group-level KPI analytics), External Document Management, rule-based Menu Templates, Compliance Recording with automatic transcription, and a Virtual F&I Remote capability that enables 24/7 remote deal delivery. The architecture is heavily integration-oriented, with certified connectors to dominant dealership systems (CDK Fortellis, DealerTrack, Reynolds, Tekion, RouteOne) and adjacent services (Stone Eagle, Vitu, Blackbook, Market Scan, Veriff, Onfido, CSG Forte, Stipped, DOWC, Crestline).
The company generates revenue through three streams disclosed in its Terms of Service: recurring SaaS subscription fees under dealer-specific Master Services Agreements, per-transaction processing fees (including convenience fees for payment methods), and professional services for onboarding, training, and configuration. Pricing is not publicly disclosed and is negotiated by dealership size and tier; multi-rooftop dealer groups typically receive multi-year enterprise contracts while single-store operators are on annual subscriptions. Go-to-market is a direct enterprise field sales motion led by a Director of Sales, supported by a demo-booking funnel, dealer and agent enrollment portals, and distribution through the CDK Fortellis Marketplace and an agency partner program.
AiAuto serves franchise dealers, independent single-store dealers, multi-rooftop dealer groups, and OEM/agency partners exclusively in the United States, addressing the constraints of traditional F&I operations — limited business-hour availability, one-manager-one-deal capacity, showroom-only customer access, and inconsistent compliance — through three deployment models (Centralized, Decentralized, On-demand). The company is privately held and appears to be bootstrapped or founder-funded, with no disclosed venture capital, private equity, or acquisition history in the available sources.
AiAuto firmographics
Firmographics- Name
- AiAuto
- Legal name
- Virtual F&I, Inc.
- Website
- https://aiauto.com
- Company type
- Private
- Founded year
- 2024
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- AiAuto (Virtual F&I, Inc.) is a US-based SaaS company that provides a unified cloud platform automating automotive dealership Finance & Insurance operations — including deal management, AI-driven product presentation, digital retail, compliance recording, and analytics — for franchise dealers, independent dealers, dealer groups, and OEM partners across three deployment models.
- Ownership category
- akta.pro rank
AiAuto industry classification
Industry- Product category
- Automotive F&I Software
- NAICS
- Software Publishers (5132)
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- B2B SaaS & Enterprise Personalization (CRM, Sales, Support) (HDAAAGAJ)
Keywords
Where AiAuto is headquartered
LocationHeadquarters
- HQ city
- Parsippany
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
AiAuto business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- SaaS Platform Subscription: Dealers pay scheduled service fees for access to the VFI platform with transaction processing capabilities. Fees are detailed in Master Services Agreements (MSA) with specific fee schedules for different service tiers and dealership sizes.
- Transaction Processing Fees: Usage-based fees applied per transaction processed through the platform, including convenience fees for specific payment methods such as credit card or ACH payments.
- Professional Services: Implementation and support services including onboarding, training, and configuration services for dealer groups and OEMs as mentioned in the SLA documentation.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | Enterprise Dealer Groups |
| Subscription | Annual | Independent/Single-Store Dealers |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
AiAuto product offering
Product offeringCore offering
AiAuto (doing business as Virtual F&I) sells a cloud-based SaaS platform for automotive dealerships that unifies the Finance & Insurance (F&I) workflow, including product presentation, digital retailing, remote F&I delivery, and dealer group analytics. The platform comprises vPortal, vMenu, vRetail, and DealCast, and is offered under Centralized, Decentralized, and On-demand deployment models for franchise dealers, independent dealers, multi-rooftop dealer groups, and OEM/agency partners in the United States.
Product overview
AiAuto (doing business as Virtual F&I) offers a unified SaaS platform for automotive retail F&I operations. The platform comprises core products including vPortal (central deal management hub), vMenu (F&I product presentation with digital menus), vRetail (digital retail and omnichannel continuity), and DealCast/DealCast Studio (synchronized presentation tools). These are complemented by operational models (Remote F&I for remote support), analytics tools (Dealer Dashboard), document management (External Document Management), compliance recording, menu templating, and Quick Quote for rapid quotations. The platform supports centralized, decentralized, and on-demand F&I operational models for single rooftops, dealer groups, and OEM partners.
Differentiator
Problem solved
Functional benefit
Brands
- vPortal: Dealer control panel and command center for vMenu, enabling standardization, streamlining, and strategic guidance of F&I presentations.
- vMenu
- vRetail
- DealCast
Products and services
- vPortal Dealer control panel and command center for managing the car-buying journey from deal structuring through financing, trade-ins, deposits, credit applications, and e-signature, with real-time data visibility and dealer-controlled F&I operations.
- vMenu F&I product presentation platform with digital menus, smart automation, and customizable package options, including the Dealer Control Panel for product preloads, automatic lender-to-product matching, product renaming, and auto-populated menu templates.
- vRetail Digital retail platform enabling customers to build their own deals, evaluate trade-ins, place secure deposits, and complete the full F&I process online or in-store with seamless omnichannel continuity.
- DealCast Synchronized presentation tool enabling F&I managers to cast and control content across customer devices in real time, with spotlight mode for synchronized navigation, force-follow functionality, and real-time messaging, including DealCast Studio for creating and managing sessions.
- Remote F&I Remote F&I delivery solution enabling real-time, one-on-one customer support via screen sharing, chat, and secure video conferencing, supporting remote deliveries, centralized operations for dealer groups, and 24/7 flexible staffing.
- VFI Opportunity Assessment Tool Profitability assessment tool that calculates how much profit and efficiency dealerships may be leaving on the table, illustrating how better training and digital F&I can unlock stronger performance.
Quantifiable outcome
- Faster deal completion times (deals close in minutes, not hours)
- +4 more outcomes
Companies that use AiAuto
Customer profileSegments4 records
Ideal customer profiles4 records
AiAuto technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration9 records
AI capability7 records
Feature11 records
AiAuto partnerships and signals
Strategic signalPartnerships
15 partnerships are on record, tiered core, significant and supporting.
- CDK Global / Fortellis MarketplacecoreAiAuto has been officially published on the Fortellis Marketplace through CDK Global, meeting interoperability and integration standards. This enables dealers to request DMS integration for VFI accounts directly through the Fortellis platform and provides access to dashboard tools for managing activations, tracking usage, and receiving real-time feedback.
- DealertrackcoreDealertrack credit application integration and e-signature capabilities are fully integrated with the VFI platform, enabling seamless credit submissions and document signing within the F&I workflow.
- RouteOnecoreRouteOne webhook handling and credit application integration enables comprehensive lender connectivity and financing workflow automation within the VFI platform.
- TekionsignificantTekion dealer management system integration enables automated data flows and transaction management for dealerships using the Tekion platform.
- Crestline TransportsupportingCrestline integration for vehicle delivery and transaction processing within the VFI platform ecosystem.
- VitusupportingVitu provides vehicle data and valuation services integrated into the VFI platform for accurate vehicle information processing.
- BlackbooksupportingBlackbook vehicle valuation data integrated for accurate vehicle pricing and trade-in evaluation within transactions.
- Market ScansupportingMarket Scan provides tax calculation and vehicle pricing data integrated for accurate transaction tax processing across different jurisdictions.
- DOWC (Dealer Owned Warranty Corporation)supportingDOWC debt cancellation product integration with proper contract generation and field population within the VFI platform.
- VeriffsupportingVeriff identity verification integration for KYC compliance and customer authentication within the transaction flow.
- OnfidosupportingOnfido identity verification integration for customer onboarding and identity verification within transactions.
- CSG FortesupportingCSG Forte payment processing and financial services integration for transaction payment processing within the platform.
- StippedsupportingStipped producer agreement and payment plan capabilities enable customers to finance F&I protection products in smaller monthly payments, integrated within the VFI ecosystem.
- Reynolds and Reynolds DMSsignificantReynolds DMS integration certification achieved with enhanced product sale flow support, MSRP value preservation through VIN decoding, and proper lease transaction processing using gross cap cost fields.
- Stone EaglecoreStone Eagle product rating and pricing integration for F&I product calculations with support for short VIN vehicles and pre-1981 vehicles requiring year, make, and model data.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
AiAuto competitors and assessment
Company assessmentBroad incumbents
- Reynolds and Reynolds: Reynolds and Reynolds is a major US DMS provider with certified integration to AiAuto. It is comparable because it embeds F&I workflows into its dealership system and represents both an integration partner and a long-cycle incumbent competitor.
- Tekion: Tekion is a cloud-native dealer management system that increasingly bundles digital retail and F&I capabilities. It is comparable to AiAuto because it targets the same modernizing dealer customer with cloud software spanning DMS through F&I.
- Dealertrack (Cox Automotive): Dealertrack, owned by Cox Automotive, is a major credit application, e-signature, and DMS platform that touches the F&I workflow. It is comparable to AiAuto as a broad incumbent overlapping in credit submission, deal structuring, and F&I document signing within US dealerships.
- RouteOne: RouteOne is a dominant credit application platform connecting dealers to lenders, with direct integration into AiAuto. It is comparable because it sits at the financing and F&I step of every dealer deal and represents both a partner and a potential workflow competitor.
- CDK Global: CDK Global is the largest US DMS provider and operates the Fortellis Marketplace where AiAuto is listed. It is comparable because it controls the dealer system of record and the integration backbone that AiAuto depends on, making it both a critical partner and an incumbent competitor.
Direct peers
- Darwin Automotive: Darwin Automotive provides F&I performance, menu, and reporting software for dealers and dealer groups. It is comparable to AiAuto because it competes for the same digital F&I menu, product presentation, and reporting budget with overlapping dealer group customers.
- Stone Eagle: Stone Eagle provides F&I product rating, pricing, and menu administration for automotive dealers. It is comparable to AiAuto because both serve the same F&I workflow and Stone Eagle is also an integration partner, indicating direct overlap in F&I menu and product administration.
Regional players
- Frazer Computing: Frazer Computing provides dealer management software primarily for independent used-car dealers in the US. It is comparable as an adjacent DMS-style vendor serving the same independent dealer segment AiAuto targets with its on-demand F&I deployment model.
Emerging players
- AutoFi: AutoFi offers digital car-buying and F&I platforms for dealer groups. It is comparable to AiAuto because it intersects in online deal structuring, credit, and F&I product presentation, targeting similar digital retail transformation buyers.
- Roadster: Roadster provides digital retailing for automotive dealers, including online checkout and F&I workflow. It is comparable because it overlaps with AiAuto's vRetail online-to-store buying journey and competes for digital retail and F&I modernization budgets.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
AiAuto social profiles
Digital presenceAiAuto compliance and trust
Trust signalCompliance1 record
AiAuto financial estimates
Financial estimateRevenue estimate
Valuation estimate
AiAuto leadership team
Management profileNumber of profiles
Profiles5 records
AiAuto funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
AiAuto M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about AiAuto
What does AiAuto do?
AiAuto (doing business as Virtual F&I) sells a cloud-based SaaS platform for automotive dealerships that unifies the Finance & Insurance (F&I) workflow, including product presentation, digital retailing, remote F&I delivery, and dealer group analytics. The platform comprises vPortal, vMenu, vRetail, and DealCast, and is offered under Centralized, Decentralized, and On-demand deployment models for franchise dealers, independent dealers, multi-rooftop dealer groups, and OEM/agency partners in the United States.
Is AiAuto a public or private company?
AiAuto is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was AiAuto founded?
AiAuto was founded in 2024. It employs 11 to 50 people.
Where is AiAuto based?
AiAuto is headquartered in Parsippany, United States, in the North America region.
How does AiAuto make money?
Three revenue lines are on record. SaaS Platform Subscription is the primary driver. The others are transaction Processing Fees and professional Services.
Who are AiAuto's main competitors?
Broad incumbents on record are Reynolds and Reynolds, Tekion, Dealertrack (Cox Automotive), RouteOne and CDK Global. Direct peers are Darwin Automotive and Stone Eagle. Frazer Computing is listed as a regional player. Emerging players are AutoFi and Roadster.
Does AiAuto have an API?
No public API is recorded for AiAuto.
What industry is AiAuto in?
AiAuto's product category is Automotive F&I Software. Its primary akta.pro industry code is HDAAAGAJ, B2B SaaS & Enterprise Personalization (CRM, Sales, Support). Its NAICS code is 5132 and its SIC code is 7372.