ClearLane routes backend product funds with transparency, compliance, and speed — between lenders, dealerships, and product administrators.
Watch — How ClearLane Works
The Problem
Banks fund dealerships for backend products — VSC, GAP, ancillaries — but what happens next is opaque, slow, and risky.
Dealers routinely hold backend product funds 30–90 days before remitting administrators. Some deals are never remitted at all.
Lenders face real regulatory risk when products are sold but not properly funded. This liability grows with every unfunded contract.
When contracts cancel, refunds are slow, incomplete, or never initiated. Dealers benefit from floating these dollars too.
TPAs can't service contracts if unpaid. Without payment confirmation, customers face claim denials on products they already paid for.
The Solution
ClearLane sits between the lender and the ecosystem — routing funds automatically, tracking every dollar, and eliminating the float.
Core Capabilities
Automated ACH distributions split admin costs to TPAs and dealer markups to dealers — on a defined, compliant schedule.
Tracks every funded contract, payout, cancellation, and refund in real time. No more manual spreadsheets or guesswork.
When a contract cancels, refund workflows trigger automatically — routed correctly, timed properly, and net of dealer reserves.
Lenders get full reporting and transaction tracking across every deal. Audit trails, payment status, and chargeback management built in.
Detects unpaid products, abnormal cancellation patterns, and dealer abuse — automatically flagging issues before they become liabilities.
Ingests deal data directly from CDK, Reynolds & Reynolds, and Dealertrack — no manual entry, no data gaps.
Who We Serve
Eliminate compliance exposure and get full visibility into every backend product funded through your deals.
Receive remittance on time, every time. Activate contracts instantly and eliminate cash flow uncertainty.
Simplify backend accounting, automate cancellation refunds, and reduce administrative overhead across your rooftops.
Products you purchased are funded immediately — meaning claims are honored and refunds arrive when you expect them.
Our Mission
"To bring transparency, speed, and accountability to automotive F&I payments — ensuring every contract is funded correctly and every refund executed with precision."
Get Started
We're working with a select group of lenders, administrators, and dealer groups to validate the platform. Let's talk.