Business Details
46 Years
experience
Trusted Financial Solutions for Retailers
F&I Systems was founded in 1980 with a mission to simplify credit product sales through integrated programs aligned with the credit insurance industry. Our customer-focused solutions are designed to increase attachment rates, boost sales, and enhance customer satisfaction for retailers. With decades of experience, we specialize in credit insurance, secondary financing, and comprehensive sales training tailored to furniture, appliance, and HVAC dealers. Our corporate mission centers on creating income opportunities for clients by delivering strategic products that align with their primary business goals. We provide hands-on consulting to develop credit programs that deliver measurable results, ensuring retailers can confidently implement successful in-house finance solutions.Our proven track record includes training sales teams for over 30 years, helping businesses reduce delinquencies by up to 40% through proper implementation of credit insurance programs. We offer customized financing models for HVAC dealers, enabling approval of 40-60% of credit-challenged customers with FICO scores as low as 600. Our secondary financing partnerships help businesses capture sales from customers declined by primary lenders. We provide dedicated training programs that equip sales teams with actionable strategies to improve performance and profitability. With a nationwide reputation for excellence, we remain committed to delivering innovative financial solutions that drive sustainable growth for our clients.
Services
Credit Insurance
Secondary Financing
HVAC Dealers Financing
In-House Financing Consulting
Sales Training
Credit Life
Credit Disability
Involuntary Unemployment
Credit Property
Training Programs
Details
- Year established: 1980
Highlights and features
- We offer 30+ years of proven sales training expertise.
- Our HVAC financing model approves 40-60% of credit-challenged customers.
- We provide secondary financing partnerships to capture declined applications.
- Our credit insurance programs reduce delinquencies by 40% on average.
- We deliver hands-on consulting for customized credit program solutions.
Services
Credit Insurance
Our credit insurance solutions protect customer investments while reducing delinquencies by 40% for retailers. We offer Credit Life, Disability, and Property coverage that integrates seamlessly with sales transactions. These programs provide additional profit streams while ensuring customer satisfaction through comprehensive protection plans.
Secondary Financing
We connect businesses with secondary financing partners to approve 40-60% of credit-challenged customers declined by primary lenders. Our programs enable 48-72 hour payment processing and variable interest rate options, helping retailers capture previously lost sales opportunities.
HVAC Dealers Financing
Our specialized HVAC financing model serves customers with FICO scores as low as 600. This program converts 40-60% of declined applications into approved sales, helping dealers maximize revenue from credit-challenged consumers in the heating and cooling industry.
In-House Financing Consulting
We provide expert guidance to establish successful in-house finance programs tailored to retail operations. Our consulting services include program design, credit policy development, and implementation strategies to optimize approval rates and profitability.
Sales Training
With 30+ years of experience, our training programs equip sales teams with proven techniques to increase credit product sales. We focus on practical strategies that improve closing rates, enhance customer interactions, and boost overall team performance.
People
Lonnie B. Davis
Co-Founder
Co-founded F&I Systems in 1980 to revolutionize credit product sales through integrated insurance programs. Brings decades of industry experience in developing financial solutions for retailers.
Sam L. Greenfeld
Co-Founder
Co-founder with Lonnie B. Davis in 1980, specializing in creating strategic financial products that align with retailer business goals and improve customer satisfaction.
Questions
What services does F&I Systems offer?
We provide credit insurance programs, secondary financing solutions, HVAC-specific financing models, in-house finance consulting, and comprehensive sales training for retailers.
How can F&I Systems help increase my sales?
Our programs help capture sales from credit-challenged customers, reduce delinquencies by 40%, and provide staff training that improves closing rates and profitability.
Do you offer financing options for HVAC dealers?
Yes, we have a specialized financing model that approves 40-60% of credit-challenged customers with FICO scores as low as 600 for HVAC dealers.
What training programs are available?
We offer hands-on sales training programs developed over 30 years to teach practical techniques that improve credit product sales and team performance.
Can you help establish an in-house finance program?
Yes, our consulting services include program design, credit policy development, and implementation strategies to create successful in-house finance operations.
Reviews (1)
Joseph Escamilla
May 28, 2018
Report
Mr. Davis is extremely rude and accused me of being a liar and racist all in one minute of meeting him.
