Pre-approve the customer on a soft pull before they pick a car. AI underwrites the file, every matched lender decides in parallel, and the insurance binds at the same desk.
Parallel submission is table stakes. DealerTrack and RouteOne have had it for a decade. These are the parts they don't have, and the reason dealers move.
The old sequence is backwards. A customer falls in love with a car, gets hard-pulled, finds out what they actually qualify for, and the deal unwinds on the desk. RunTorque runs a soft inquiry up front and returns real approved terms. The customer walks the lot already knowing their number.
Incumbent rails are pipes. They carry an application from a dealer to a lender and stop. RunTorque reads the deal first, scores approval odds per lender, tells the dealer exactly what to change to get it bought, and hands the lender a structured file with the risk already surfaced.
Every financed vehicle needs coverage, and today that is a separate conversation on a separate system, often after the customer has already left. RunTorque quotes against the deal it already holds, binds at the desk, and pushes proof of insurance into the funding package.
Pre-approval, underwriting, decision, and coverage read from one deal record. Four systems and three days collapse into one desk and one sitting.
Submit a credit app once. RunTorque's AI scores it, ranks your best lenders, and sends to all of them in parallel. Get back instant decisions—approvals, counter-offers, declines—all in one queue.
Inbound queue with AI-ranked deal quality. Configure auto-decision rules that approve clean deals in seconds. Manual review only for edge cases. Counter-offer with one click.
Embeddable application widget for any dealer or merchant website. Customers fill it out once, RunTorque finds them the best loan from the lender network. White-labeled, mobile-first, soft-pull only.
Stop re-keying the same credit app into 6 different lender portals. RunTorque takes one application, runs it through our AI lender match engine, and submits it to your top-ranked lenders in parallel. Decisions stream back in real-time.
Configure auto-decision rules once. RunTorque's AI scores every inbound application and auto-approves clean deals in seconds. Your underwriters focus on the edge cases that actually need human judgment.
We started with auto dealers. Now jewelers, art galleries, and contractors are running customer financing through the same network — and getting better rates than third-party POS lenders.
Cars, trucks, RVs, motorcycles
Engagement rings, watches, fine jewelry
Galleries, auction houses, dealers
Roofing, HVAC, solar, remodel
Ranks lenders by approval probability for every specific deal profile, using credit data, deal economics, and lender preferences.
Suggests changes to clear underwriting: "Add $2K down or extend term 6 months → approved at 5 lenders."
Soft signals across the network detect synthetic identity, income misrepresentation, and stip falsification.
OCR + LLM reads uploaded paystubs, IDs, proof-of-residence. Auto-clears stips that pass validation.
When a lender counters, AI generates the best counter-counter for the dealer to maximize approval + reserve.
Sees patterns no single lender can: declined here → which lender will approve? Routes accordingly.
| Feature | RunTorque | DealerTrack | RouteOne | CUDL |
|---|---|---|---|---|
| AI-powered lender matching | — | — | — | |
| Soft-pull credit (no FICO impact) | — | — | — | |
| Multi-vertical (not just auto) | — | — | — | |
| Parallel multi-lender submission | — | |||
| Real-time decision streaming | — | — | ||
| Embeddable consumer widget | — | — | ||
| Auto-decision rule builder (lender) | — | |||
| Counter-offer AI coach | — | — | — | |
| Stip auto-classifier (OCR + AI) | — | — | — | |
| Modern UI built this decade | — | — |
No per-user fees. No setup costs. No monthly minimum. We get paid when the deal funds.
For dealers funding under 25 deals/month
For dealers funding 25-150 deals/month
For groups, franchises, and lenders
Onboard in 24 hours. First decision in 60 seconds. No setup fees, no per-seat costs.