Digital Dealer Onboarding Built for Lenders
BoardME by OttoMoto is a lender-controlled dealer onboarding solution designed to simplify, standardize, and safeguard the way auto dealers are approved to be activated by a lending institution .
From due diligence and documentation collection to digital agreements and system activation, BoardME replaces fragmented, manual processes with a secure, compliant, end-to-end workflow—giving lenders greater confidence, consistency, and control.
BoardMe is a lender-controlled onboarding and compliance infrastructure that standardizes how dealers are verified, documented, and meet all lender requirements prior to activation.
The Challenge: Dealer Onboarding Wasn’t Built for Scale or Compliance
Dealer onboarding is one of the few areas where operational friction, compliance risk, and portfolio growth intersect. Yet most onboarding processes still rely on disconnected systems, manual tracking, and institutional memory.
Lenders are typically required to:
- Conduct detailed due-diligence checks on each dealership
- Collect and review dealer licenses, surety bonds, insurance, and business documentation
- Validate that the dealership is legitimate, operational, and in good standing
- Re-verify documentation annually as licenses and certifications expire
- Manually key dealer records into loan origination systems (LOS)
- Oversee ongoing compliance where system support is limited, without introducing significant human dependency.
Failure to manage these risks leads to inconsistent dealer vetting, missed renewals that create downstream compliance exposure, and limited audit defensibility
These processes are often:
- Highly manual and email-driven
- Dependent on internal teams remembering renewal cycles
- Vulnerable to documentation gaps and human error
- Time-consuming for both lenders and dealers
A Digitized, Lender-Controlled Alternative
BoardME digitizes the entire dealer onboarding lifecycle—without reducing compliance rigor.
Lenders define the requirements.
Dealers complete onboarding through a secure, guided process.
Compliance is monitored continuously—not annually by memory.
With BoardME:
- Lenders define all onboarding criteria
- Lenders approve or deny dealer activation
- No dealer is enabled without lender authorization
- BoardME does not submit applications, make credit decisions, or override policy
What Does BoardME Replace?
BoardME takes legacy methods like:
- Email-based document collection
- Shared drives and manual folders
- Spreadsheet-based renewal tracking
- One-off dealer exceptions managed outside policy
- Duplicate data entry into LOS platforms
And replaces them with:
- A single system of record for dealer onboarding
- Policy-driven requirements instead of ad hoc decisions
- Automated compliance tracking and alerts
- LOS-ready dealer records
How BoardME Works
1. Lender-Defined Onboarding Requirements
Lenders configure:
- Required documents and licenses
- Business verification criteria
- Agreement templates
- Renewal and expiration rules
No two lender policies are the same—BoardME adapts to yours.
2. Secure Dealer Onboarding
Dealers receive a secure onboarding link via email and are guided through:
- Uploading required documentation
- Completing lender-specific business information
- Responding to requests for clarification or additional materials
All communication stays within a controlled digital channel—reducing reliance on email threads and attachments.
3. Real-Time Review and Messaging
Lending teams can:
- Review submitted docs centrally
- Message dealers directly with questions or requests
- Track onboarding status across all dealers
This creates a clear audit trail and consistent internal workflow.
4. Digital Agreements
Once onboarding requirements are met:
- Lender agreements are generated automatically
- Dealers and lenders sign digitally
- Dealer records are prepared for system activation
No printing, scanning, or manual storage required.
5. One-Click LOS Enablement
Approved dealer records can be digitally structured for LOS ingestion, reducing duplicate data entry, transcription errors, and internal rework.
6. Ongoing Compliance Monitoring
BoardME doesn't stop at onboarding.
The platform:
- Tracks license and document expiration dates
- Sends automated renewal reminders to dealers
- Alerts lenders when documentation is due or overdue
This supports continuous compliance without manual tracking.
Designed for Compliance-First Lending Teams
BoardME supports defensible onboarding decisions during audits, examinations, or internal reviews – all while keeping lenders firmly in control of approval decisions.
It helps lenders to:
Maintain consistent onboarding standards across all dealers
Reduce operational dependency on manual follow-ups
Improve visibility into dealer compliance status
Create defensible, auditable onboarding processes
Support growth without compromising risk controls
Built for Dealers Without Lowering the Bar
Independent dealers often face barriers not because they are non-compliant, but because manual processes make verification costly and slow.
BoardME enables lenders to:
- Apply consistent standards regardless of dealer age
- Reduce reliance on arbitrary time-in-business thresholds
- Focus decisions on verified documentation and real-time compliance
This creates a more balanced approach between risk management and market access.
Why Lenders Choose BoardME
See BoardME in Action
If dealer onboarding is consuming internal resources, creating compliance exposure, or limiting your ability to work with independent dealers, BoardME provides a lender-controlled, compliance-first alternative.
Request a meeting to see how BoardME integrates into your existing onboarding, compliance, and LOS workflows.
