How to Complete a Westlake Financial Deal

Starting a New Deal

Begin by launching a new deal from the homepage.

1. Click Start a Deal from the QuickLinks panel.
   
   
   
   
2. Select Finance as the deal type.
   
   
   
   

Deal Submission / Application

Complete the application with all required customer, vehicle, and structure info. This section is where you'll enter the core data that lenders will use to evaluate the deal.

1. Fill in the customer’s personal, contact, and employment details.
2. Enter the Vehicle Info and book values.
3. Use the Deal Info section to input your desired deal structure, including price, down payment, term, and interest rate. This structure gives lenders a clear picture of what you're aiming for and helps them respond with appropriate results.
   
   

Running Credit

You can access credit bureaus directly from the Deal Submission screen to pull credit for your customer.

1. Click the Run Credit button on the right-hand side of the page.
2. Choose from available credit bureaus and confirm the customer’s information.

Using TurboPass

TurboPass allows you to verify income, identity, and residence directly from the deal submission screen. It works by sending the customer a secure link— via text—that prompts them to log into their online banking. Once they log in and authorize access, TurboPass instantly verifies their employment and income - and can even verify identity. This eliminates the need to collect pay stubs or other stips or guess at income.

TurboPass simplifies stip collection and speeds up funding!

1. Click the TurboPass link in the left-side panel.
2. Follow the prompts to send your customer a secure TurboPass link.
3. The customer will log into their bank and authorize verification documents.

Submitting the Deal to Lenders

You can submit the deal to a single lender or multiple lenders at once.

1. Under Lender Submissions, select your preferred lenders including Westlake Financial.
2. Enter any supporting notes in the Type note here field.
3. Click Go to Deal to finalize submissions.

Reviewing Lender Results

After submitting, you can view responses and offers from lenders in several areas.

1. Use the Preferred Lender Results popup to compare high-level terms.
   
   
   
   
2. Go to the Lender Offers tab for full approval details and conditions. Click on any lender to see results.
   
   
   
   
3. Click Compare Offers to see a side-by-side comparison across lenders.
   
   
   
   

Dialing in the Deal Structure

When it’s time to adjust the structure, DealerCenter gives you tools to take the guesswork out of the process. Instead of making manual changes and hoping for the best, tools like AutoStructure and DeskPro help you dial in a structure that’s both fundable and profitable.

These tools make it easy to dial in a monthly payment or down payment that works for your customer—while ensuring you’re maximizing gross. Let’s take a look at how they work.

AutoStructure

AutoStructure solves for the most profitable deal based on the customer's desired monthly payment or down payment.

1. Click AutoStructure on the Deal Contract screen.
2. Enter your target monthly payment or cash down.
3. DealerCenter will calculate and return a fundable structure—including adjustments to rate or vehicle price if needed.

For example, if the customer increases their down payment to $3,000, AutoStructure might raise the vehicle price slightly and boost your gross by $650.

DeskPro

DeskPro offers two interactive tools to help you structure a profitable deal: Profit Matrix and Name Your Gross.

Profit Matrix

Profit Matrix lets you visualize different combinations of down payment and monthly payment side by side. You can instantly see how these changes affect gross, rate, and term—helping you quickly find the sweet spot between customer expectations and profit goals.

Name Your Gross

With Name Your Gross, you start by entering the profit number you want to achieve. DealerCenter calculates the payment and down payment combinations needed to hit that target.

Together, AutoStructure and DeskPro help you move from “What can I get approved?” to “What’s the best version of this deal I can build?”

Accepting the Offer

Clicking Accept Offer does not finalize the deal. It simply brings you to the Deal Contract screen where you can review all terms in detail before continuing to contracting.

Think of this as moving from the "workshop" stage into a final review phase. You can still update deal terms, restructure the offer, or even resubmit to another lender if needed. Nothing is locked in until you proceed with contracting.

1. Click Accept Offer in the Lender Offers tab.
2. You'll be directed to the Deal Contract screen with full access to structure and summary tools.

Collecting Stips

Before you move on to contracting, you’ll need to collect Stips. Go to the Funding tab to see a list of required stipulations and their statuses.

1. Click the upload icon next to any stip to upload files from your computer or scan documents from your phone using the QR code option.
   
   
   
   
2. To send a request to the customer, click Request Stipulations in the Deal Contract tab.
   
   
   
   
3. From the Stipulations Request panel, send a secure link by SMS or Email.
   
   

The customer will receive a message with a secure link where they can upload documents like their driver’s license, proof of insurance, proof of income, or proof of residence.

Contracting the Deal

When you're ready to finalize, you can either print paperwork or complete the deal electronically using eContracting.

1. Click Contract Deal (Paper) or eContract Deal.
   
   
   
   
2. This opens the PrintPack screen, where you’ll review the required documents for the deal. For Westlake, the PrintPack documents are typically standardized and ready to go. For other lenders, you can fully customize the PrintPack. DealerCenter also includes preloaded forms for most major lenders, and if a form is missing, your DealerCenter rep can usually upload it within 24 hours.
   
   
   
   
3. DealerCenter supports mixed-mode contracting, allowing you to eSign the main documents and print others as needed.
4. Upload any additional documents and place signature blocks.
   
   
   
   
   
   
5. Walk through the digital signing flow for both Dealer and Buyer.
   
   
   
   
6. Once signing is complete, DealerCenter stores all the signed documents in the cloud, so they’re always available for your records. DealerCenter also sends the buyer a download link via email.
   
   
   
   Westlake automatically receives the signed package for funding, and you can forward other documents as needed. This process mirrors what you may be used to with tools like DocuSign—but now it's fully integrated with your deal workflow.