Shrink the deficiency before it becomes a charge-off.
When a financed vehicle is totaled, the insurer pays its ACV figure toward the payoff and the shortfall stays on your loan — a deficiency balance on collateral that no longer exists. An independent appraisal moves the ACV, and every dollar it moves comes off that balance one for one.
$3,681
average settlement increase on settled consultations
25%
average uplift over the insurer's initial ACV offer
7.4×
average return on the standard consultation fee
You hear about the total loss before the borrower decides
The insurer's total-loss desk requests a payoff quote or letter of guarantee from the lienholder early — usually before the borrower has processed the ACV offer. That request is the moment the deficiency is still negotiable.
Day 0 — payoff request
The insurer asks you for the payoff. Refer the total loss from the same screen: borrower, vehicle, offer, payoff.
Days 1–14 — Appraisal Research
The borrower consents, a licensed independent appraiser documents true market value, and the ACV is negotiated with the insurer while the offer is still open.
Settlement — smaller deficiency
The higher settlement pays down more of the payoff. Less to collect, less to charge off, and a member who can still finance a replacement.
The deficiency math is your charge-off line
A borrower owes $28,000. The insurer offers $21,500 for a vehicle worth $25,000. Without intervention, $6,500 stays on the loan. With the appraisal moving the settlement to true value, $3,000 does.
Accepting the insurer's first offer
- Loan payoff
- $28,000
- Insurer ACV payment
- $21,500
- Deficiency balance
- $6,500
With an independent appraisal
- Loan payoff
- $28,000
- Negotiated settlement
- $25,000
- Deficiency balance
- $3,000
$3,500 less deficiency for a $497 consultation fee — a 7× return on the single loan, before collection cost.
Where GAP coverage exists it absorbs part of the shortfall — the arithmetic above is the uncovered deficiency your institution carries. The uplift reduces the GAP payout and the deficiency in the same proportion.
What's your book carrying in avoidable deficiency?
Three numbers your collections team already knows — total losses per month, the average deficiency balance, and how often the insurer's first ACV offer runs low. Every assumption is editable.
Model your auto-loan book
Financed vehicles declared a total loss across your book each month — every one starts with a payoff request from the insurer.
Payoff minus the insurer's ACV payment minus any GAP — the amount left on a loan whose collateral is gone.
Share of insurer total-loss offers that come in below the vehicle's true market value.
Addressable deficiency exposure / year
$1,260,000
360 undervalued total losses × $3,500 average deficiency
Program fees
$178,920
at $497 per activated consultation
Exposure-to-fee ratio
7.0×
every fee dollar contests $7 of deficiency
Illustrative model, not a guarantee: actual recovery per total loss depends on the vehicle, the insurer's offer, and the negotiation outcome. Every appraisal is performed by a licensed independent appraiser, and settled figures are reported in your analytics dashboard.
Email me this analysis / book a walkthrough
No sign-in, no application — we'll send your modeled numbers and follow up to walk through the program with your collections or lending team.
How it fits your total-loss workflow
Refer at the payoff request
Portal form, CSV, or API — send the borrower, vehicle, insurer offer, and loan payoff the moment the insurer's total-loss desk asks for a payoff quote. Your program economics apply automatically, overridable per referral.
We appraise & negotiate
The borrower consents via a co-branded invitation or your warm handoff. A licensed independent appraiser documents true market value in our Appraisal Research and negotiates the ACV with the insurer under the state's appraisal process.
The deficiency shrinks
Settlement uplift comes straight off the payoff-minus-ACV gap that would otherwise become a charge-off. Track every milestone, the deficiency math, and portfolio-level savings vs spend in real time.
Three ways to fund it — you choose, per referral
Set a program default in your portal settings, then override the mode or the split on any individual referral before activation.
Lender-paid
You cover the consultation fee; the borrower pays nothing. Highest activation rates — the invitation reads as a member benefit you've arranged.
- Flat fee per activated consultation
- Card-on-file or monthly NET-30 invoicing
- Borrower sees a $0 price
Split-pay
Subsidize a fixed amount or percentage; the borrower covers the rest at a co-branded discount you control.
- Fixed-dollar or percentage subsidy
- Adjustable per referral before activation
- Subsidy appears as your branded discount
Borrower-paid
Refer at no cost to you — the borrower pays the standard price. You still get the timeline, analytics, and deficiency reduction.
- No lender billing at all
- Full status + savings visibility
- Upgrade to subsidies any time
Built to plug into servicing and collections
Two consent paths, one redacted timeline, and webhooks your loan-servicing system can consume.
Invitation or warm handoff
Send a co-branded invitation the borrower activates themselves, or read the disclosure on your call and attest it in the portal before we reach out. Origination-time pre-authorization? Ask us — it is not in the standard program yet.
REST API + HMAC webhooks
Create referrals with idempotent retries, bulk-submit 500 at a time, and receive signed webhooks for every milestone — invited, activated, Appraisal Research complete, settlement. OpenAPI spec included.
Deficiency analytics
Deficiency avoided, gross uplift, fees, net savings, and the exposure-to-fee ratio — portfolio-wide and per consultation, broken down by month, market, and insurer. CSV export for your finance team.
Billing that fits AP
Card-on-file charged per activated consultation, or consolidated NET-30 monthly invoicing. Every charge lands in a ledger tied to its referral — no surprise line items.
Redacted, lender-scoped timeline
Your portal shows the milestones and the money — the insurer's offer, appraised value, current best offer, projected deficiency reduction — without exposing the borrower's conversation with our staff.
Compliance is the product, not a footnote
You're sharing borrower NPI with a service provider. The program is engineered around that responsibility.
Written agreement first
A Master Service Agreement is e-signed before a single referral moves — data-sharing scope, permitted use, safeguards, and audit trail included. Negotiated redlines are countersigned in the same portal.
GLBA service-provider posture
Borrower and loan data is shared under the GLBA §502(e) service-provider exception: used solely to deliver the appraisal service, never sold, never repurposed for marketing.
Consent-first outreach
Borrowers opt in through the activation link, or your team delivers the written disclosure and attests it before we ever place a call. Every consent is timestamped with its capture surface.
Licensed independent appraisers
Appraisal Research is performed by licensed professionals acting under the policy's appraisal clause — an arm's-length valuation the insurer has to engage with, not a letter on your letterhead.
Frequently asked questions
How does an independent appraisal reduce our deficiency balances?+
When a financed vehicle is a total loss, the insurer pays its actual-cash-value figure toward the payoff. If that figure runs below true market value — which is common — the shortfall stays on the loan as a deficiency balance, against collateral that no longer exists. A licensed independent appraiser documents the vehicle's real value and negotiates with the insurer under the policy's appraisal clause; every dollar of settlement uplift comes directly off the deficiency, one for one.
Why does the lender find out first?+
The insurer's total-loss desk requests a payoff quote or letter of guarantee from the lienholder early in the process — usually before the borrower has processed the ACV offer. That payoff request is the moment to refer: the appraisal can start while the offer is still open, instead of after the borrower has signed the release.
Who pays for the consultation?+
Your choice, per program or per referral: lender-paid (you cover the consultation fee, the borrower pays nothing), split-pay (you subsidize a fixed amount or percentage), or borrower-paid (the borrower pays the standard price and you simply refer). Most lenders choose lender-paid — the fee is a fraction of the average deficiency reduction, and the invitation reads as a member benefit you've arranged.
How do borrowers get engaged? Do you cold-call our members?+
Never. Two consent-first paths: we send a co-branded invitation (email or text) that the borrower activates themselves, or — for warm handoffs — your team reads a short disclosure to the borrower first, attests it in the portal, and only then does our staff reach out. Every contact records its consent trail.
Is this compliant with GLBA and our privacy obligations?+
The program runs under a written Master Service Agreement grounded in the GLBA §502(e) service-provider exception: you share the borrower and loan information needed to deliver a service on the borrower's behalf, we use it solely for that purpose, and we protect it with the same safeguards we apply to our own customers. The MSA, disclosure script, and data-handling terms are all reviewable before you sign. Origination-time pre-authorization is not part of the standard program today — ask us if that is how your book is structured.
How do we submit referrals?+
Three ways: one at a time in the portal, CSV bulk upload (up to 500 rows with per-row program overrides), or the REST API with HMAC-signed webhooks pushing every status change back to your loan-servicing or collections system. API keys and webhook endpoints are self-service in the portal.
What visibility do we get into each consultation?+
A lender-facing timeline for every referral — invitation, activation, Appraisal Research, negotiation milestones, settlement — plus a financial panel showing the insurer's offer, the appraised value, the current best offer, and your projected deficiency reduction. Analytics aggregate savings vs spend by month, market, and insurer, with CSV export for finance.
What does it cost?+
Standard pricing is a flat fee per consultation (currently $497) charged only for activated consultations — no platform fee, no minimums. Card-on-file per consultation or consolidated NET-30 monthly invoicing. Volume pricing is negotiated in the MSA.
How long does onboarding take?+
Apply with a business email, get approved (usually within one business day), e-sign the MSA in the portal, add billing, set your program defaults — most lenders submit their first referral the same week.
GAP administrator or carrier, not a lender?
If your organization insures the deficiency rather than carrying it, the GAP Provider Program is built for that book — same appraisal network, priced per activated consultation.
Stop charging off deficiencies the insurer should have paid.
Apply with your business email — most applications are approved within one business day, and the MSA, billing, and first referral all happen in the portal.
Not a lender — your own financed vehicle was totaled? Start your free appraisal consultation.