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

F&I that closes in minutes, not weeks.

Three-lender marketplace, state-by-state title + registration workflows, TCPA-compliant consent capture, and e-sign — all attached to the deal jacket. Buyers leave the dealership with paperwork done, not pending.

  • Trident, Ally, LightStream — quoted in parallel
  • State-specific title + registration auto-generated
  • TCPA + E-Sign Act + GLBA compliant
  • Average deal-to-delivery: 4.8 days, down from 11
Book a demo Read compliance docs
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

Stop waiting 3 days for Trident to reply before you call Ally. Submit once, 3 quotes back in minutes. Your buyer compares on-screen.

Title + reg without the DMV run

State-specific forms pre-filled from the deal jacket. Florida HSMV 82040, Mass RMV TR-1, Texas PWD 143M, California BOAT 101 — auto-generated.

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 DMV paperwork simultaneously.

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

Three quotes in parallel. Buyer picks on-screen.

Submit once. Trident Marine Credit, Ally, LightStream respond with APR, term, and monthly payment. Your buyer sees them stacked and picks. Your F&I manager approves the exception queue.

  • Parallel submission to marine lenders
  • 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

State-specific workflows. DMV forms auto-generated.

Every state is a different paperwork regime. BoaterOS ships with workflows for all 50 — plus an e-file bridge to DMV systems where available. Your buyer's paperwork is ready before they've left the slip.

  • FL · HSMV 82040 · instant
  • MA · RMV TR-1 · notary flagged
  • TX · PWD 143M · instant
  • 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 Type II
Audited annually
TCPA
Consent trail on every msg
E-Sign Act
UETA-compliant signatures
GLBA
Financial privacy safeguards
Integrations

The tools you already use. Still work.

BoaterOS is the hub. Everything else connects to it — and you keep the partners that actually matter to your business.

Boat Trader
Listing syndication
YachtWorld
Listing syndication
Trident
Marine finance
Ally
Marine finance
LightStream
Marine finance
DockMaster
Nightly sync
Twilio
SMS + TCPA
Mailchimp
Email
Stripe
Deposits + payments
Google Analytics 4
Web analytics
Meta Ads
Conversion sync
BRP
OEM feed
◆ Customer voice
"We used to hand the buyer a stack of paper and pray they signed everything right. Now Janet walks out of the showroom with her title paperwork already filed with Tallahassee. My F&I day went from 11 hours to 5."
RB
Ron Berman
Dealer Principal · Fish Tale Boats
◆ 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, including title + reg for your state.

Book a demo Read our compliance stance