One soft pull. The AI ranks every lender that makes sense, and the customer sees real terms on the car they actually want.
Identity, income, insurance and asset protection clear at the same desk, in the same deal, before the file ever leaves the store.
Indirect auto lending still runs on infrastructure designed in the nineties. It moves a credit application from a dealer to a lender and stops. Everything that actually decides the deal, whether the structure fits, whether the stips are real, whether the customer is who they say they are, still happens by hand, twice, on both ends of the wire.
AI changed that everywhere else first. RunTorque brings it to the desk where the deal is actually made.
Not to replace the underwriter. To make sure that by the time the file reaches them, the argument is already over.
Parallel submission is table stakes. The rails have had it for a decade. These are the parts that are missing, 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. Worse, half of them never let you pull at all, because everybody has been told a credit check costs them points. RunTorque runs a soft inquiry with consent, structures the deal on the vehicle they actually chose, and ranks the lenders most likely to fund it with the terms each one would offer. The customer knows their number before anyone triggers a hard pull.
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.
Identity confirmed by document capture and biometric face match. Income confirmed before the file moves. Collateral decoded straight from the VIN. Stipulation documents land in the deal record the moment they are uploaded, not three days later when somebody finally opens the fax. A file that arrives verified is a file that funds.
Prequalification, file prep, the lender's decision, and coverage read from one deal record. Four systems and three days collapse into one desk and one sitting.
You wrote the rules. LTV caps, PTI, score bands, term by collateral age, advance limits, reserve. RunTorque reads every file against your rules before it reaches you, and tells the dealer exactly what to change so it fits.
Nothing is blocked. Nothing is filtered out. You still see every deal the dealer sends you, and you still own the credit decision start to finish. What changes is that the structuring argument is over before you open it.
No junk to the credit union.
No waiting on callbacks for the dealer.
RunTorque does not underwrite. It prepares the file. The approval is yours and it stays yours.
Submit a credit app once. RunTorque scores it, ranks your best lenders, and sends it to all of them in parallel. Approvals, counter-offers and declines come back into 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.
An embeddable application widget for any dealer or merchant website, launching soon. Customers will fill it out once and RunTorque will route the application to matched lenders in the network. White-labeled, mobile-first, soft-pull only.
Stop re-keying the same credit app into six different lender portals. RunTorque takes one application, runs it through the AI lender match engine, and submits it to your top-ranked lenders in parallel. Decisions stream back as lenders respond.
Configure your rules once. RunTorque scores every inbound application against them and clears the clean ones in seconds. Your underwriters focus on the edge cases that actually need human judgment. Nothing is ever withheld from you.
We started with auto dealers. The same network is built to carry jewelry, art, and home-improvement paper alongside auto, on the same deal record and the same lender connections.
Cars, trucks, RVs, motorcycles
Engagement rings, watches, fine jewelry
Galleries, auction houses, dealers
Roofing, HVAC, solar, remodel
Every indirect deal dies in the same five places. Who is this person really. Do they earn what they say. Is the car worth it. Is it insured. Will we ever see it again. RunTorque answers all five inside the same record, before the file moves.
Government ID capture, biometric face match, liveness detection. The synthetic-identity problem is the fastest growing loss category in auto lending. It gets caught at the desk, not in the audit.
Employment and income confirmed before the deal reaches the lender, and attached to the same record as everything else. The stip the underwriter chases hardest arrives already answered.
VIN decoded against the federal vPIC database the moment it is entered. Year, make, model, trim, body, engine. Book value and advance attached to the structure, so the deal the lender sees is a deal on a real car.
Quoted from the deal data already captured and bound at the desk while the customer is still sitting there. Proof of insurance flows into the funding package and the lender stipulation clears itself.
GPS vehicle tracking at $50 per unit, installed at the dealer with documented consumer consent. Location only. Recovery support for the lender, no starter interrupt, no surprises for the member.
What is live today is marked live. What is coming is marked roadmap. Your vendor questionnaire is going to ask, so here is the answer before you have to.
Ranks lenders by approval probability for this specific deal, using credit profile, deal economics, and each lender’s configured parameters.
Tells the dealer what moves the needle. Add two thousand down or extend six months and this clears at four more lenders.
Document capture, biometric face match, and liveness detection before the file advances. The synthetic-identity problem starts here, so we do too.
Income confirmed before the deal reaches the lender, through verification partners and review, and attached to the deal record where the underwriter expects it.
OCR and LLM read uploaded paystubs, IDs, and proof of residence, then auto-clear the ones that validate against the lender checklist.
When a lender counters, generate the counter-counter that protects both approval odds and reserve.
Patterns no single lender can see. Declined here, likely approved there, ranked accordingly.
No per-user fees. No setup cost. No monthly minimum. No per-application fee. No integration charge. Pricing is marginal, like tax brackets, so the rate drops as you grow and the bill never jumps.
At 100 funded deals a month a dealer pays $1,750. A flat-fee rail charges its monthly fee whether you fund one deal or none.
Get startedYou pay only on loans you fund. No per-application fee, so a deal you decline never costs you anything.
Lender demoOnboard in days, not months. Decisions stream back as lenders respond. No setup fees, no per-seat costs, no monthly minimum.