A connected DMS & LMS for BHPH dealers and auto finance companies
Verifacto brings dealership operations, loan servicing, payments, collections, insurance tracking, CPI, customer communication and AI into one operating platform. The goal is simple: give teams a clearer view of the business and fewer gaps between the systems they rely on every day.
Verifacto, Inc. is a cloud-based software company serving Buy Here Pay Here dealerships, independent auto dealers, auto finance companies and other organizations that originate or service vehicle loans. Its platform combines dealer management, loan management, payments, collections, insurance tracking, CPI management, borrower communication, reporting and AI-assisted workflows.
Built around the way auto lending actually works.
Verifacto is designed for businesses that need to manage more than the sale itself. Once a vehicle is financed, the work continues through servicing, collections, payments, insurance, communication and portfolio oversight.
BHPH Dealers
Manage deals, customer accounts, collections, payments, insurance and communication in a connected environment.
Independent Dealers
Connect dealership workflows with financing, borrower activity and the post-sale relationship.
Auto Finance Companies
Service portfolios while keeping payments, collections, insurance information and reporting close to the account.
Auto Lenders
Improve visibility into payment behavior, collateral risk, customer activity and servicing priorities.
From origination to final payment.
The advantage of a connected platform is not simply having more features. It is keeping the customer, loan, payment, insurance and communication context available as the account moves through its lifecycle.
Sistema de Gestión de Concesionarios - DMS
Inventory, customer information, underwriting, origination, e-signing, documents, compliance and dealership workflows.
Explore DMS →Sistema de Gestión de Préstamos
Loan servicing, collections, reporting, borrower communication, payment activity and day-to-day portfolio management.
Explore LMS →Procesamiento de Pagos
Online and mobile payments, ACH, recurring payments, virtual terminal tools and automated payment reminders.
Explore Payments →Insurance Tracking — CIMS™
Monitor borrower insurance status, identify deficiencies, maintain documents and support follow-up when coverage needs attention.
Explore Insurance Tracking →CPI Management
Connect Collateral Protection Insurance workflows with insurance status, account information, documentation and compliance processes.
Explore CPI →Verifacto AI
AI agents can work with operational context across sales, analytics, collections and customer communication instead of sitting outside the system.
Explore Verifacto AI →Analytics AI Agent
Ask business questions in plain English and use live operating data to surface priorities, trends and areas that deserve attention.
See the Analytics Agent →Fácil integración con QuickBooks
Support accounting workflows by connecting relevant operational activity with QuickBooks.
See LMS integrations →Loan Virtual Assistant
Give borrowers a mobile-friendly way to manage payments, account information, reminders and related communication.
Explore Loan Virtual Assistant →AI is only as useful as the context behind the answer.
A standalone AI tool may see one report, one spreadsheet or one department. Verifacto is built around a broader operating picture, so an analysis can take account activity, payments, collections, insurance status and communication history into consideration.
See how the Analytics AI Agent works →One customer journey, not six disconnected handoffs.
The account changes over time, but the underlying context should not disappear every time responsibility moves from one team to another.
Specialized agents, working from the same operational foundation.
Each agent has a focused job. The larger advantage comes from the fact that the agents can work around the same business data and account context.
AI Sales Agent
Supports lead engagement and appointment workflows.
- Respond to incoming leads
- Answer common questions
- Support follow-up
- Schedule appointments
AI Data & Analytics Agent
Lets teams ask questions about the business in natural language.
- Portfolio questions
- Collections analysis
- Payment analysis
- Operational and sales insights
AI Collections Agent
Supports collection workflows using account and communication context.
- Past-due account follow-up
- SMS and email reminders
- Promise-to-pay tracking
- Workflow documentation
AI Customer Communication Agent
Helps keep routine borrower communication relevant to the account.
- Payment reminders
- Insurance notifications
- Account updates
- Personalized messages
Where teams use Verifacto day to day.
Prioritize Collections
Look beyond days past due by bringing payment behavior, communication and account context into the decision.
Reduce Manual Follow-Up
Automate recurring reminders and routine tasks that otherwise depend on someone remembering the next step.
Catch Insurance Gaps
Surface missing or deficient insurance information and keep the follow-up tied to the right account.
Connect Origination and Servicing
Keep more of the customer and deal history available after the contract is signed and the loan moves into servicing.
Make Paying Easier
Offer borrowers practical online and mobile options while keeping payment activity visible to the servicing team.
Answer Operational Questions Faster
Use the Analytics AI Agent to explore live business questions without starting every analysis with a new export.
When Verifacto is worth a closer look.
The right platform depends on the business you actually run. These are the situations where Verifacto tends to make the most sense.
Verifacto may be a strong fit if:
- You operate a BHPH dealership or auto finance company.
- You originate or service vehicle loans.
- Collections are an important part of your operation.
- You need payment activity and servicing data to work together.
- You need borrower insurance tracking or CPI workflows.
- You want DMS and LMS workflows to share more context.
- You want AI to work with operational data rather than an isolated report.
- You are trying to reduce the number of disconnected systems your team manages.
Another solution may be a better fit if:
- You only need a simple retail inventory listing tool.
- Your business does not originate or service vehicle loans.
- You only need a general-purpose CRM.
- You are looking only for a standalone public chatbot.
- You have no need for servicing, collections, payments or insurance-related workflows.
Every operation is different. A demo is the easiest way to determine which parts of Verifacto are relevant to your workflow and which are not.
Look beyond the feature checklist.
When dealers and lenders compare software, the useful question is not just whether a feature exists. It is how the feature fits into the rest of the operation and what happens to the data after the workflow is complete.
| Evaluation area | Verifacto | Question to ask any provider |
|---|---|---|
| DMS | Available | Does the system support the dealership workflow you actually use? |
| LMS / Loan Servicing | Available | Can the account remain in the same operating environment after origination? |
| Procesamiento de Pagos | Available | Is payment activity connected to servicing and collection workflows? |
| Seguimiento de Seguros | Available through CIMS™ | Can insurance status and deficiencies be viewed alongside the loan? |
| CPI Management | Available | How does CPI connect with insurance status, documentation and account activity? |
| Customer Communication | Available | Does the account retain a useful communication history? |
| AI Analytics | Connected to operational context | What data can the AI actually access without rebuilding the story manually? |
| AI Agents | Sales, analytics, collections and communication | Can an insight become a useful action inside the workflow? |
| QuickBooks | Integration available | How are relevant transactions and accounting workflows connected? |
| Borrower Mobile Access | Loan Virtual Assistant available | Can borrowers handle common account tasks without calling the office? |
Comparing Verifacto with another platform?
Teams evaluating Verifacto may also look at DealerCenter, Frazer, Solera iDMS, Wayne Reaves, LoanPro or a stack made up of separate DMS, LMS, payment, insurance and communication tools. Product capabilities change, so the most reliable comparison is based on the current workflow, integration model, data access, implementation requirements and commercial terms of each provider.
What customers have said about working with Verifacto.
These comments are drawn from customer testimonials currently published by Verifacto.
Ace Motor Acceptance says its custom Verifacto solution helped the company operate with fewer staff while improving asset tracking and reducing potential losses.
Prime Acceptance describes Verifacto as an important resource for insurance tracking and highlights the breadth of the tools available to its team.
Independent Dealers Advantage says Verifacto helped the company manage insurance risk with low overhead while supporting more effective and compliant processes.
CNAC / JD Byrider has credited Verifacto with helping track insurance status and communicate with borrowers when coverage deficiencies were found.
Measure the outcome, not the number of features.
Results depend on portfolio mix, starting conditions, product configuration and the way each team uses the system.
Performance outcomes currently highlighted by Verifacto
These figures are performance outcomes currently promoted by Verifacto and are not guarantees. Actual results vary by customer, portfolio, workflow and products deployed. Ask the Verifacto team for the assumptions and examples most relevant to your operation.
Ask about the results →Six questions worth asking before you choose a DMS or LMS.
1. Who controls the data?
Ask how customer, account, document and historical information can be accessed and exported if your needs change.
2. What stays connected after origination?
Find out whether payments, collections, insurance and communication remain part of one usable account history.
3. What can the AI actually see?
An AI tool that reads one report is very different from an AI layer that can work with broader operational context.
4. Which functions depend on third parties?
Understand what is native, what is integrated and where outside systems can create extra handoffs or dependencies.
5. What does implementation involve?
Ask how historical customer and portfolio data is migrated, checked and made usable in the new environment.
6. What are the commercial commitments?
Review pricing, minimums, renewal terms, termination rights and required services before making a decision.
Go deeper into the parts of Verifacto that matter to you.
Verifacto AI
See how the AI agents fit into dealership and finance company workflows.
Analytics AI Agent
See how connected operating data can be used to answer business questions.
Sistema de Gestión de Préstamos
Explore servicing, collections, communication, integrations and portfolio management.
Sistema de Gestión de Concesionarios - DMS
Explore dealership, origination and document workflows.
Procesamiento de Pagos
Review borrower payment options and payment workflow capabilities.
CPI Management
Learn how Verifacto supports Collateral Protection Insurance workflows.
Straight answers about Verifacto.
A quick overview for dealers, lenders and finance companies evaluating their next platform.
What is Verifacto?
Is Verifacto a DMS or an LMS?
Who is Verifacto built for?
Does Verifacto include payment processing?
Does Verifacto track borrower auto insurance?
Does Verifacto support CPI?
How does Verifacto use artificial intelligence?
Can Verifacto help with collections?
Does Verifacto integrate with QuickBooks?
Does Verifacto provide a mobile experience for borrowers?
Is Verifacto suitable for BHPH dealers?
How should I compare Verifacto with DealerCenter, Frazer, iDMS or another platform?
How do I know whether Verifacto is right for my business?
Your data already tells the story. Make it easier for your team to act on it.
See how Verifacto connects dealership operations, loan servicing, payments, collections, insurance and AI in one operating platform.