How did the offer move?
Review opening discounts, revised prices, trade-allowance moves and add-on changes across recorded quote versions. See the sequence behind the latest offer.
THE TRANSACTION LAYER FOR AUTOMOTIVE RETAIL
Dealers shouldn’t have to choose between speed and accuracy.
SummitDesk is the desk. Rates, residuals, taxes and fees fill themselves in, so the manager works the deal instead of the lookups. Change the state, tier, term or mileage and every number moves with it.
Tax estimates across 52 U.S. jurisdictions, including D.C. and Puerto Rico.
STRUCTURE / WHERE THE DEAL TAKES SHAPEExplore the desk
BUILT ON THE DESK. USED ON THE DESK.
In daily use at a Tennessee franchise dealership since May 2026.
- 1,250+ customer-facing quotes
- 700+ deals quoted
- 5 desk managers and finance staff issuing quotes, not the founder
Production data, May 13 – Oct 8, 2026. A quote is a customer-facing document, not a sale. Store not named.
THE WORK BETWEEN THE NUMBERS
Before you cut the price,
work the structure.
Give Deal Doctor the payment target. It compares configured rates, terms and finance or lease structures to find a path to that number while protecting gross.
A longer finance term. A lease no one had considered. Deal Doctor surfaces the alternative; your desk chooses the play, and your sales team takes it back to the customer.
See the tools behind the decisionDesk → salesperson
The first pencil is finance.
The desk returns a finance proposal. The rep presents the payment, term and upfront cash to the customer.
First pencil · FinanceRETURNED TERMS
- Monthly payment
- $850/mo Finance proposal
- Selling price
- $43,200 Proposed vehicle price
- Front gross estimate
- $3,200 Selling price less vehicle cost
- Term
- 60 months · 5.99% APR
- Cash down
- $3,000
Estimated taxes and fees included in amount financed.
One finance pencil. More ways to work the deal.
Illustrative calculation inputs
Cumberland Ridge synthetic new-vehicle example. MSRP $45,000; selling price $43,200; vehicle cost $40,000. No trade, products, rebates or pack. The selling price already sits $1,800 below MSRP; the revised pencil adds no further discount.
Finance: 60 months at 5.99% APR; $3,000 down; $499 document fee, $150 registration estimate and $3,138.93 estimated tax included in $43,987.93 financed. Calculated payment: $850.21.
Lease: 36 months; 12,000 miles/year; money factor 0.00265; 50% residual ($22,500). $499 document fee and $895 acquisition fee capitalized; $3,000 cap reduction; $41,594 adjusted cap cost. Calculated payment: $749.26 including $49.02 monthly tax. Total due at signing: $4,189.26, comprising $3,000 cap reduction, $749.26 first payment, $290 upfront tax and $150 registration estimate. Synthetic configured scenario and Tennessee tax inputs, not a current OEM program.
A lease has mileage and lease-end obligations and does not provide ownership unless purchased. The manager and customer must review suitability and actual program eligibility.
Synthetic example calculated with SummitDesk’s engine; monthly payments rounded. Front gross here is selling price less vehicle cost, before F&I and other adjustments. An available option, not a guaranteed outcome or live lender offer.
01 / WHILE THE DEAL IS WORKING
Change the deal.
See the numbers move.
Cash, finance, lease and one-pay. Work the payment with LTV, trade equity and gross in view, then send the deal to F&I.
One deal. More ways to structure it.
Compare a 3×3 payment grid with trade equity and LTV in view. Rates come from available programs or dealer rate tables. State and local tax estimates are itemized alongside fees, with the selected structure ready to send to F&I inside SummitDesk.
View full screen This synthetic example uses dealer fallback rates. LTV bands provide desk context; tax and fee estimates require review and financing remains subject to lender approval.
Check another structure before another discount.
Give Deal Doctor the customer’s target. SummitIQ Pick compares configured structures and shows alternatives with payment and front gross together. Here, 72 months gets below the $700 target while retaining the displayed front gross.
View full screen Synthetic example: the recommended term changes from 60 to 72 months and APR from 7.99% to 8.49%. This is a payment comparison, not a lower-total-cost claim. The desk reviews and applies the choice.
See what reaching the target takes.
Roll controls now sit inside Deal Doctor. Lock the dealer discount or trade allowance, let customer cash solve to the target, and see trade over-allowance and the effect on front gross before applying the balance.
View full screen A separate balance scenario on the demo deal: the $700 payment comes with additional cash and negative front gross. The below-cost and manager-review warnings remain visible.
Look beyond the payment fit.
Match inventory to the customer’s payment target, cash down, credit tier and trade assumptions. Compare the displayed LTV on the selected valuation basis, flag options that need a closer look, then send a vehicle to the desk or save a vehicle-options PDF.
View full screen This separate search uses its own customer assumptions. LTV labels are guidance, not lender decisions; some vehicles lack data for the selected basis. The desk validates the vehicle, programs and estimates.
Set your rates before the next deal.
Manage configured rates by vehicle group, credit tier and term. Give managers a consistent starting point while keeping program coverage and missing information visible.
View full screen Rates shown are synthetic configuration examples. Configured rates and available OEM programs do not imply a lender approval or a universal live feed.
Put evidence behind the price conversation.
Review comparable listings and choose the evidence to support your appraisal or retail presentation. Your dealership sets the number and reviews what the customer sees.
View full screen Demonstration workspace with live third-party market listings. Listings are asking prices, not sold comparables. Coverage and comparability vary; the dealer reviews the selected evidence.
What the desk handles
FACTORY PROGRAMS / FRANCHISE PLANS
Update the book. Keep the desk moving.
Extract APRs, money factors, residuals and incentives from supported program formats. Use the same import flow for later updates without rekeying every row, with review before values go live.
How updates and first-book support work
Upload a supported factory PDF
Choose the month and add the bulletin, plus a separate residual sheet when needed.
Review changes and exceptions
Check changed values, unmatched models and any residuals carried forward from the current book.
Publish approved values
Confirm the reviewed update to put those programs into your store’s live program tables.
Help with the first book. We help configure your initial rates and programs from dealer-supplied files. For an agreed OEM or format new to SummitDesk, founding onboarding includes help loading those files for the first two months after onboarding starts. We confirm supported automatic import formats and agree the assistance scope before enrollment. Your team reviews the values before use.
KEEP THE CONVERSATION OPEN
A cash quote can open another way to buy.
Present finance alternatives beside the cash total, plus one-pay lease comparisons on eligible new-vehicle franchise deals. Options depend on enabled deal types, available programs and complete inputs.
YOUR STORE. YOUR PRESENTATION.
A clear offer.
Your dealership’s identity.
Your logo. Your colors. A customer presentation that belongs to your store.
Finance choices
Branded letterhead, itemized figures and a payment comparison.
VIEW SAMPLE PDF
Cash quote
Present an itemized cash purchase estimate.
VIEW SAMPLE PDF
Finance quote
The same finance offer, with the selected payment up front.
VIEW SAMPLE PDFGenerated with SummitDesk’s quote layouts. Cumberland Ridge Motors is a synthetic demo dealership. All sample figures are illustrative; these documents are not offers, approvals or contracts. Layouts and included details depend on configuration.
02 / THE EVIDENCE BEHIND THE RESULT
The result tells you what you made.
The deal history helps explain how you got there.
Performix brings recorded quote changes, product contribution and delivered results into the same review. Follow how offers changed and compare gross across vehicles, products and periods. The history and trends give your team evidence to investigate how those results took shape.
See performance in context.
Units, gross, F&I PVR and delivery cadence share the same view. Choose a period, compare results and find the next question worth asking.
View full screen These are synthetic results for the period shown. Gallery views use separate periods and populations; they are not a single transaction or customer case study.
Look past the headline PVR.
Inspect product attachment, eligible deals, booked gross and target gaps. Narrow the population by vehicle, deal or team attributes and keep the sample count beside the result.
View full screen Product metrics use captured records and eligibility rules for the selected population. Sample floors and missing-data coverage matter when comparing results.
Give the review more context.
Compare recorded results by team role. Bring deals, total gross, back-end gross and product performance into the coaching conversation.
View full screen The radar normalizes each metric to its leader. Recorded deal attribution provides context for review; it does not establish who caused a result.
Know what the current pace implies.
Follow delivered units against the monthly goal and extend the current rate to month-end. Use the assumptions in the view to frame the next operating conversation.
View full screen Straight-line pace assumes the current rate holds. It does not model pending deals or lender approvals. More advanced forecasting and modeling are in development.
Which vehicles earn their place?
Compare front, back and total gross with captured days to sell by model and vehicle mix. Keep the sample and contributing deals alongside the result.
What deserves the next review?
Examine recorded loss reasons, progress toward your goals and patterns across periods. Give the next operating conversation a specific place to start.
In development: Advanced forecasting and modeling from deal-process and outcome data. Today, Pit Crew provides straight-line pace projections.
SUMMITIQ / YOUR DEALERSHIP’S AI ASSISTANT
Ask the dealership question.
See the numbers behind it.
Ask AI about your store, from monthly gross to aged stock. SummitIQ explains metrics calculated from your dealership’s records, using the data your role is allowed to see.Powered by OpenAI
SummitIQ answers from your dealership’s records, and the figures it states are checked against them. Payments, taxes and fees are calculated by SummitDesk’s desk engine, not by SummitIQ.
“Where are we on units and gross this month?”
Recorded deliveries, front and back gross, and progress toward configured goals.
“What is our F&I PVR this month?”
Recorded back gross, PVR and available product mix, with the period and data coverage in view.
“Which used units have been in stock over 60 days?”
A vehicle-by-vehicle list from uploaded inventory, with stock numbers, prices and the age basis shown.
Focused data. Layers of protection.
Data & security, in detailNo SSN or driver’s-license fields
In Structure and TrackLine customer forms.
TLS in transit. AES-256 at rest.
Managed database and file storage by Supabase.
WorkOS authentication
Server-side membership and role checks.
Optional contact details, notes and uploads may contain personal information. New York tax details include a registration street-address field.
THE FOUNDING DEALER PROGRAM
A clear price.
A practical way to start.
Initial cohort of 10 approved rooftops. 50% off for your first six paid months, then 25% off for a continuous eligible subscription.
50% off · First six paid months
Franchise
THE DEALERSHIP WORKFLOW$499.50/ month
USD per rooftop · Today’s standard price $999/month
Your shared desk, from the working offer to recorded results.
- Cash, finance, lease and one-pay desking
- Configured OEM programs and model books
- Pulse, TrackLine, SummitValue and Performix
- SummitIQ answers from your dealership’s records
- Role-aware access to supported metrics and reports
Franchise Pro
RESEARCH + MORE CAPACITY$749.50/ month
USD per rooftop · Today’s standard price $1,499/month
For cross-jurisdiction tax and title research, with more AI tool capacity.
- Everything in Franchise
- Tax, fee and title reference library
- State and county sources for dealer review
- Twice the monthly AI tool allowance
Discounts apply to the then-current standard monthly price for your selected eligible tier. If that price changes, your monthly amount changes; the 50% or 25% discount continues for its eligible period. Today’s amounts are not a fixed-dollar price lock. Price changes take effect prospectively with at least 30 days’ notice under our subscription terms.
Founding enrollment requires SummitDesk approval and is not automatic at signup. Before billing, confirm eligibility, discount start and end dates, continuity, cancellation and re-entry conditions with us.
Both plans include core desking, Performix and configured tax and fee calculations. Pro adds source-linked tax, fee and title research across 52 U.S. jurisdictions, including D.C. and Puerto Rico, plus twice the monthly AI tool credits.
PUT IT IN YOUR STORE’S TERMS
Would it be worth $5.00
per delivered vehicle to have:
Franchise · Pilot introduction
- Automatic program lookup, payment comparisons, LTV and tax estimates across 52 U.S. jurisdictions, including D.C. and Puerto Rico
- Branded quotes, digital F&I handoff and SummitSelect payment matches with LTV context
- SummitValue market comparisons and window stickers from available vehicle build data
- Performix views of recorded offers, F&I products and delivered results
- SummitIQ answers about gross, F&I results and aged inventory, scoped to your role
MONTHLY SUBSCRIPTION ÷ DELIVERIES
Franchise · Pilot introduction
$499.50/month across 100 deliveries
25 deliveries500 deliveries
Set your monthly deliveries to compare the allocation.
Franchise$5.00per delivered unit at 100/month
Franchise Pro$7.50per delivered unit at 100/month
Pilot introduction: monthly fee ÷ all monthly deliveries, including deals that may not use SummitDesk. This is a subscription allocation, not per-car billing, measured savings or a promise of return. Taxes, additional usage and other operating costs are separate.
Included usage and limits
| Allowance | Franchise | Franchise Pro |
|---|---|---|
| AI tool credits | 5,000 | 10,000 |
| VIN decodes | 12,500 | 15,000 |
AI tool credits cover metered AI actions; VIN decodes have a separate allowance. Check consumption, plan limits and additional usage in your workspace’s Usage and Billing settings.
One 30-day free trial per dealership. No card required to start. If you add a card during the trial, your selected plan continues after day 30; without a card, access pauses until you choose a plan and pay. Included usage is monthly. Features depend on role and configuration. Existing, founding and custom contracts may differ.
Managing a dealership group?
Dealership groups
Enterprise $1,199/month
per rooftop on Pro · 3+ rooftops
Sales-assisted pricing; each rooftop has its own workspace. Discuss your stores and configuration with us. Group agreements and PILOT eligibility are reviewed separately; discounts do not automatically combine.
Discuss your groupBEFORE YOU BRING IT TO THE DESK
Good questions.
Direct answers.
Where does SummitDesk fit with our DMS?
SummitDesk works independently of a DMS connection. Your team desks the deal and sends it directly to F&I inside SummitDesk, where the saved structure, products and quote are available on screen. PDF and printed summaries are optional. Final deal details are entered separately into your DMS, which remains the system of record. There is currently no direct DMS read or write integration. Inventory and prior-deal data come in through CSV/XLSX imports.
What does getting started involve?
We review your workflow and source files with you, import inventory and prior deals from CSV/XLSX files, and configure your team, rates, products and branded quotes. Your team checks the setup before working live deals. During the walkthrough, we agree the import format, OEM coverage, responsibilities and onboarding schedule for your rooftop. Founding enrollment includes the setup assistance described above.
Who helps us after we get started?
Contact support@summitdesk.io for product and setup questions. Before enrollment, we’ll agree who owns your setup, how your team reaches us and what support your store needs. Any support hours, response commitments or service levels belong in that agreement.
Are taxes and OEM programs always current?
Desking includes tax estimates across 52 U.S. jurisdictions, including D.C. and Puerto Rico, using deal inputs and available local rules. Missing inputs and unresolved tax or fee lines are flagged for dealer review; coverage does not mean every local or special rule is resolved automatically. Rates and residuals use available OEM programs and dealer settings. Supported program-book imports are reviewed before publication. Pro adds source-linked tax, fee and title research, separate from the ordinary deal calculations. Quotes remain estimates subject to dealer review and lender or lessor approval.
Can we evaluate it before paying?
Indie, Indie Pro, Franchise and Franchise Pro offer one 30-day free trial per dealership, with no card required to start. Add a card during the trial and your selected plan continues after day 30. Without a card, access pauses until you choose a plan and pay. You can also request a walkthrough using a demo workspace.
BUILT FROM DEALERSHIP EXPERIENCE
See it with the person
who built it.
SummitDesk’s founder brings nearly six years in automotive sales. Bring a deal scenario and walk through the structure, customer quote and recorded results together.
Start your dealership evaluation
30 days free for eligible dealership plans. No card required to start.