Dealer Finance Partnership & FAQ

North West Recreational Finance works as an extension of your dealership's finance team, providing virtual F&I, full-time, part-time, overflow and non-prime finance support.

We operate within your dealership's existing systems and lender portals while your dealership maintains control of its customers and deals. Our flexible, performance-based model allows you to add experienced finance support without adding another full-time employee.

Frequently asked questions for dealerships

1. “How much does it cost to work with North West Recreational Finance?”

There are no fixed costs, salaries, retainers or per-application fees. We're paid when a deal is successfully funded. If a deal doesn't close, there is no finance service cost to the dealership.

This creates a low-overhead, performance-based alternative to adding another full-time F&I employee.

2. “Does our dealership lose control of the customer or deal?”

No. Your dealership remains the seller of record and maintains control of the customer, pricing, inventory and deal. We manage the financing process within your existing systems and lender portals, acting as an extension of your dealership's team, not a replacement for it.

3. “How is this different from handling financing in-house?”

We can complement or expand your existing finance department rather than replace it. Dealers use our services for full-time virtual F&I, overflow support, temporary coverage and complex or non-prime files.

You gain experienced finance capacity without adding another full-time salary, benefits, vacation coverage or permanent payroll expense.

4. "What’s the biggest advantage for a dealership working with North West Recreational Finance?"

Partnering with us can help dealerships:

  • Create more opportunities for approvals and deal conversions
  • Handle more non-prime and difficult credit files
  • Reduce F&I payroll and overhead
  • Keep sales staff focused on selling
  • Benefit from experienced deal structuring and lender relationships
  • Streamline documentation and funding

5. "What types of dealerships do you work with?"

North West Recreational Finance supports powersports, motorcycle, ATV/UTV, marine, RV, travel trailer and heavy equipment dealerships. We work with both single-location and multi-location dealers and can provide full-time, part-time, temporary, overflow and specialized non-prime finance support.

6. "Do you offer part-time or temporary F&I coverage?"

Yes. We provide flexible finance support for vacations, sick leave, maternity leave, seasonal demand, and temporary staffing gaps. We can also work alongside your existing finance manager to help manage workload during busy periods, all without the cost of hiring another full time employee.

7. "What types of customer financing situations or challenges do you deal with"

We support a wide range of customer financing situations, with particular experience in non-prime and more complex credit files, including:

  • Non-prime and credit-challenged customers
  • Previous declines and abandoned applications
  • Self-employed, commission-based or seasonal income
  • Low down-payment situations
  • Applications requiring restructuring or a second look
  • Files delayed by lender conditions or documentation

Our experience with deal structuring, lender programs and underwriting requirements can create additional opportunities to turn difficult applications into funded deals.

8.  "What is the process on your end from start to finish?"

1. Credit Application
Send the application through your dealership's established process.

2. File Review & Deal Structuring
We review the credit profile and supporting documentation, identify appropriate lender programs and structure the application to maximize its approval potential.

3. Lender Submission & Underwriting
We submit through your dealership's existing lender portals, communicate with underwriters, manage stipulations and work through approval conditions.

4. Customer & Product Presentation
We communicate financing options to the customer and present applicable warranty, insurance and protection products to help maximize back-end opportunities.

5. Documentation & Funding
We coordinate required documentation and customer signatures, compile lender conditions, submit the completed file for funding and monitor the deal through payout.

Ready to Add Finance Support to Your Dealership?

Partner with North West Recreational Finance for expert finance support, higher approval rates, and less overhead. We help your dealership fund more deals while your team stays focused on selling. Let's grow your business together.