FlockFinance engages customers at refi eligibility through our lender partner network. The customer sees a dealer-branded offer. You stay connected to a customer you'd otherwise lose to a fintech.
Join a 20-Minute CallYour customer hits refi eligibility around month 11. You'd never know. Refi lenders already do.
The customer refinances and the dealer never sees it happen. The relationship cools.
D2C fintechs reach the customer before the dealer knows the eligibility window has opened.
A fintech holds the loan. The customer's next conversations don't include you or your F&I products. That revenue and engagement disappears.
FlockMonitor watches refi-eligibility signals — lifecycle events, LTV, rate, term remaining — across your customer file.
FlockEngage reaches out — dealer-branded — with lender-partner offers timed to the eligibility window.
Customer refinances through a lender partner. Dealer gets paid per conversion. Customer stays in the dealer's retained orbit – protected and insured.
No chargeback. No F&I disruption. No Lender friction.







Our lender partners bring credit depth and dealer-aligned economics. We bring the customer at the moment they're ready.
You don't hire anyone. Flock handles the outreach.
Nothing to install. Nothing for the desk to learn.
The desk runs the way it always has.
Twenty minutes. Your customer file. The refi moments Flock catches — and what they'd earn you.
Join a 20-Minute Call