Platform/F&I + Title
◆ Platform · F&I + Title

F&I that closes in minutes, not weeks.

Quote, contract, deposit, and e-sign attached to one deal jacket, with TCPA consent captured on every step. The lender marketplace and state-by-state title and registration shown here are on the roadmap.

  • Quote to contract to deposit to e-sign in one jacket
  • TCPA consent captured and audit-logged per step
  • Documenso e-sign wired today
  • Lender marketplace and DMV filing on the roadmap
app.boater.os / fi / deal D-4218 · Janet Park · Grady 307
Lender marketplace · 3 quotes · submitted 14:18
Trident Marine Credit
◆ buyer selected
7.49%
240 mo
$2,114/mo
SELECT
Ally Marine
returned 2:20
7.89%
240 mo
$2,198/mo
pick
LightStream
returned 2:20
8.24%
180 mo
$2,517/mo
pick
◆ Pre-approved by Trident Marine Credit · $324,900 principal · 20% down · buyer to e-sign next
Payment summary
Vessel $324,900
Down -$65,000
Trade-in -$89,000
Sales tax (FL) +$10,494
Doc fees +$489
Financed $181,883
@ 7.49% $2,114/mo
What changes

F&I is the last place a boat deal falls apart.

3-day lender turn-arounds, missing title docs, TCPA exposure, and a buyer who loses enthusiasm while waiting for paperwork. BoaterOS F&I attacks all of it.

Lender quotes in parallel, not serial (roadmap)

The plan: submit once, see quotes back in minutes, let your buyer compare on-screen instead of waiting days between lender calls. The marketplace connector is on the roadmap. The lenders shown here are illustrative.

Title + reg without the DMV run (roadmap)

The plan: state-specific forms pre-filled from the deal jacket. Florida HSMV 82040, Mass RMV TR-1, Texas PWD 143M, California BOAT 101. The DMV filing layer is on the roadmap, not yet shipping.

E-sign where your state allows

UETA-compliant digital signatures on purchase agreement, finance disclosures, TCPA consent. Notarization flagged when required.

Compliance baked in, not bolted on

Every SMS carries TCPA consent metadata. Every credit pull has FCRA disclosure. Every deal has a full audit log. No grey areas.

Trade-in math that matches the contract

Appraised value, payoff, cap reduction, sales tax: one calculation, reflected on the deal jacket and the paperwork at the same time.

Your F&I manager in the loop, not the bottleneck

Every deal routes through F&I approval queue. Exception rules catch off-policy APRs or under-water trades before anything hits a buyer.

01 · Lender marketplace · roadmap

Three quotes in parallel. Buyer picks on-screen.

The design: submit once, lenders respond with APR, term, and monthly payment, your buyer sees them stacked and picks, your F&I manager works the exception queue. The lender connectors are on the roadmap. The lenders shown below are illustrative.

  • Parallel submission to marine lenders (roadmap)
  • Rate-sheet logic per buyer credit tier
  • Exception queue for out-of-policy APRs
  • Buyer e-signs credit pull authorization inline
Stacked quotes · deal D-4218
Trident Marine Credit
7.49% 240 mo $2,114/mo
Ally Marine
7.89% 240 mo $2,198/mo
LightStream
8.24% 180 mo $2,517/mo
Title + reg workflow · 50 states
49 AUTOMATED
FL
Florida
HSMV 82040 · title app · auto
MA
Massachusetts
RMV TR-1 · needs notary
TX
Texas
PWD 143M · auto
CA
California
BOAT 101 · DMV e-file
NC
North Carolina
MCO + MVR-1 · auto
NY
New York
MV-82B · mail-in · +3d
02 · Title + registration · roadmap

State-specific workflows. DMV forms auto-generated.

Every state is a different paperwork regime. The plan is workflows for all 50, plus an e-file bridge to DMV systems where available, so your buyer's paperwork is ready before they leave the slip. The title and registration layer is on the roadmap. The grid below is illustrative.

  • FL · HSMV 82040
  • MA · RMV TR-1 · notary flagged
  • TX · PWD 143M
  • CA · BOAT 101 · DMV e-file
03 · TCPA + audit

Consent that holds up in court.

Every SMS, every email, every credit pull: timestamped, IP-logged, attached to the deal jacket. When your compliance team asks, 'did the buyer authorize this?', the answer is one click away.

  • SMS consent stored with IP + timestamp
  • FCRA disclosure before every credit pull
  • Per-lender consent (not a global checkbox)
  • 7-year audit retention by default
Consent timeline · Janet Park · D-4218
14:03:12 buyer
SMS consent · "Yes, texts OK"
scope · marketing + transactional
14:04:07 system
Consent stored · IP 98.14.32.188
scope · audit-log
14:18:40 buyer
Credit pull authorization · e-sign
scope · Trident + Ally
14:19:02 system
FCRA disclosure delivered
scope · pre-screen
14:22:11 buyer
Lender contact consent
scope · 3 lenders
◆ Compliance
SOC 2
On the compliance roadmap
TCPA
Consent trail on every msg
E-Sign Act
UETA-aligned signatures
GLBA
Financial privacy by design
Integrations

The tools you already use. Honestly mapped.

BoaterOS is the hub. Here is exactly what is wired today, what we proved on Fish Tale, and what is on the roadmap. No vapor.

Wired today
Live in the BoaterOS app right now.
Stripe
Deposits, POS, billing
Plaid
Bank rec
Documenso
E-sign
Supabase
Database, auth, RLS
DockMaster
One-time migration
Proven at Fish Tale
Built and run in production on our pilot dealer. Porting into the platform.
Boat Trader
Listing syndication
Google Analytics 4
Web analytics
Meta Ads
Conversion tracking
On the roadmap
Specced, not wired yet. We will not pretend otherwise.
QuickBooks / Xero
GL sync
Twilio
SMS + TCPA
Marine lenders
F&I pre-approval
◆ Customer voice
"We used to hand the buyer a stack of paper and pray they signed everything right. Now the whole deal jacket lives in one place, e-signed and consent-logged, so nothing gets lost between the desk and the dock."
RB
Fish Tale Boats
Pilot dealer · Fort Myers FL · Illustrative result from the Fish Tale rollout
◆ Next step

Close the deal on the same day they sit down.

30-minute demo. Bring a sample deal jacket and we'll walk it through BoaterOS F&I end-to-end, and show you where the lender and title workflows are headed.