Lending Fit Analyzer
Precise coverage analysis — how many units qualify, LTV distribution, and gap breakdown for any dealer
Purpose
Vague claims of lending fit do not close deals. 'We can finance most of your inventory' is not a compelling pitch — 'we can finance 134 of your 187 units, with an average LTV of 104% and an estimated monthly origination opportunity of 24 loans' is. Dealers respond to specifics because they can calculate the revenue impact directly.
Lending Fit Analyzer overlays your exact lending criteria on a dealer's live inventory and returns precise coverage metrics: total units vs qualifying units, lending fit %, LTV distribution across the matching set from a statistical sample, estimated portfolio value, monthly origination volume estimate, and a gap breakdown explaining exactly why non-qualifying units fall outside criteria — with expansion suggestions if relaxing any parameter would materially increase coverage.
How It Works
Execution flow. MCP tool calls are shown inline on each step.
search_active_carsCalls search_active_cars for the dealer with full stats (price, miles, DOM) and facets on make, body_type, and year to get the complete inventory picture.
search_active_carsCalls search_active_cars with lending criteria filters (price range, year range, max mileage, approved makes, approved segments) applied to same dealer. Returns matching_count and stats.
predict_price_with_comparablesFor up to 10 representative units (3 cheapest, 4 median, 3 most expensive from matching set), calls predict_price_with_comparables per VIN. Calculates LTV = listed_price / predicted_price × 100.
Calculates coverage % = matching/total × 100. Builds LTV distribution: under 100%, 100–110%, 110–ltv_max%, over ltv_max%. Estimates portfolio value and monthly origination volume.
Calculates non-qualifying units by reason: price too high/low, year too old, mileage exceeded, wrong make. Identifies which criteria relaxation would add the most units.
MCP Tool Calls
| Tool | Calls | Purpose |
|---|---|---|
search_active_cars | 2–3 | Total inventory, matching inventory, sample units for LTV |
predict_price_with_comparables | 5–10 | LTV calculation on representative sample |
Example Output
LENDING FIT ANALYZER ═══════════════════════════════════════════════════ Dealer: Capital City Motors, Austin TX Criteria: $18K–$48K | 2019–2025 | <80K miles ═══════════════════════════════════════════════════ COVERAGE SUMMARY Total Units: 198 Qualifying Units: 156 Coverage %: 78.8% — STRONG FIT Avg Price (all): $28,400 Avg Price (match): $29,100 LTV DISTRIBUTION (10-unit sample) Under 100%: 3 units (30%) — under-advanced 100–110%: 5 units (50%) — standard range 110–120%: 2 units (20%) — elevated but within limit Over 120%: 0 units (0%) — none exceed limit Avg Sample LTV: 104% PORTFOLIO ESTIMATES Est. Portfolio Value: $4.54M (156 units × $29,100 × 100% advance) Est. Monthly Originations: ~22 loans (20% penetration, 36-day avg DOM) Est. Monthly Revenue: ~$9,900 (1.5% net spread × $29,100 × 22 loans) GAP ANALYSIS (42 non-qualifying units) Price too high (>$48K): 18 units — avg price $54,200 Year too old (<2019): 14 units — avg year 2017 Mileage exceeded (>80K): 10 units — avg 94,300 miles EXPANSION OPPORTUNITY: Increase price cap to $58K → adds 18 units (+11% coverage)
Cost Estimate
30 fit analyses/month ≈ $2–4
Limitations
- US and UK supported — UK version uses search_uk_active_cars for coverage; LTV analysis skipped (no predict_price in UK).
- LTV distribution is based on a 10-unit sample — actual portfolio LTV may vary for dealers with unusual inventory mix.
- Gap analysis counts use inventory snapshot at time of analysis — dealer lots change daily.
- Coverage % applies to current active inventory; does not project future origination volume from incoming units.