StipZero uses Agentic AI to verify every F&I document before you submit to the lender — catching income deltas, identity mismatches, and missing signatures in seconds, not days.
No credit card. No commitment. Early access is free.
The Problem
Three friction points freeze millions in dealership capital every week — and every single one is preventable.
A $50 discrepancy between the YTD income on a credit app and a scanned paystub triggers a lender "pend" — freezing capital for 3–7 days while someone tracks down a corrected document.
Most common stip failureA DL address that doesn't match the credit app, a VIN discrepancy across documents, or a missing co-buyer signature can reject a deal — or expose the dealer to fraud liability.
Fraud risk rising in 2025F&I managers spend 40% of their day manually cross-referencing documents across RouteOne, Dealertrack, email, and fax. That's time not spent closing the next deal.
40% of F&I time wastedHow It Works
StipZero sits between the deal desk and lender submission — catching every discrepancy before it becomes a pend.
Type in credit app details or import from a RouteOne / Dealertrack export file. Buyer info, income, vehicle, and financials auto-populate.
Drag and drop scanned PDFs or images — paystubs, IDs, bank statements, insurance certs, title apps, ancillary contracts. Any scanner works.
Google Vision OCR reads every value. StipZero's AI engine cross-checks each field against the credit app — income deltas, address matches, VIN, PTI ratio, signatures.
Green-Lit deals go straight to the lender. Issues get a printable Correction Report — exactly what's wrong, exactly what to fix. No guessing.
The Output
StipZero checks the full F&I deal jacket — 19 document types across 7 categories — and tells you exactly what to fix and how.
| Document | App Value | Scanned | Priority |
|---|---|---|---|
| YTD Income | $52,400 | $51,850 −$550 | HIGH |
| Driver License | 123 Main St | 456 Oak Ave ⚠ | HIGH |
| Title App 130-U | Lienholder req. | Blank ⚠ | HIGH |
| Utility Bill | Within 60 days | Feb 1 (64d) | MED |
| PTI Ratio | <15% | 12.6% ✓ | PASS |
| GAP Contract | Signed · 60mo | Verified ✓ | PASS |
| Bank Statement | Within 30 days | Mar 28 ✓ | PASS |
Features
No installation. No training required. If you can drag a file into a browser, you can use StipZero.
Google Vision extracts every value from scanned paystubs, IDs, bank statements, and title apps — even handwritten fields. No manual re-entry.
Every extracted value is instantly checked against the credit app. Income deltas, address mismatches, VIN discrepancies — caught before the lender sees them.
When a deal has issues, StipZero generates a prioritized action list — exactly what's wrong per document, exactly what the dealer needs to bring back. Print and hand it over.
19 document types across 7 categories — income, identity, banking, insurance, vehicle/title, contracts, and all ancillary products (GAP, VSC, Tire & Wheel, Key Replacement).
Works in any browser, on any device. Scan docs with the dealer's HP ScanJet and upload, or photograph with a phone. Zero software to install at the dealership.
Only Green-Lit deals get submitted. StipZero packages a clean, complete digital deal jacket — every document verified, every field confirmed — ready for the lender with one click.
Pricing
No long-term contracts. Cancel anytime. Early access members lock in founding pricing forever.
+ $15 per "Green-Lit" certified deal pushed to lender · Early access members lock in current pricing — forever
Early Access
We're onboarding a limited founding cohort of dealerships and lenders. Get in early and lock in founding pricing — forever.
No spam. No credit card. Just early access to StipZero.