SALES DESK PRO · PRACTICE DIVISION

Finance & Insurance

FICTIONAL TRAINING TERMS

Explore the financial workspace as a guest. Saving, evaluations and progress use your existing Sales Desk Pro account.

CUSTOMER PAYMENT$469.5572 months · 6.4900% APR

OPTIONAL PRODUCT IMPACT+$0.00Versus no products at the same APR / term

BACKEND GROSS$565.16Product gross + configured reserve

FICTIONAL PROGRAMCompatibleTraining eligibility · never approval

01 / Deal intake

Silver Toyota sedan in a studio setting. Representative training image, not an exact match to the selected vehicle. — Representative VehicleSynthetic Training Inventory

2024 Toyota RAV4

XLE · 28,400 synthetic miles

RETAIL FINANCE

Customer / fictional creditMara Ellison / Prime

Selling price$29,480.00

Trade allowance / ACV$8,500.00 / $8,200.00

Trade payoff$7,200.00

Trade equity$1,300.00

Cash down / rebate$2,000.00 / $0.00

Base tax / fees$1,276.74 / $484.00

Amount financed before products$27,940.74

Original contract / payment6.49% · 72 mo · $469.55

Front-end gross (preserved)$2,000.00

Synthetic training tax — not jurisdiction law. Intake values are pinned; F&I does not rewrite the Sales transaction.

I reviewed this intake for consistency and completeness.Flag: Missing fictional income stipulation

02 / Fictional lender comparison

Contract APR (%)Term (months)

Harbor Training FinanceWITHIN PROGRAM

Buy rate 5.49%Maximum LTV 115%Term 24–72 moCompensation $565.16

70% of payment-spread present value at buy rate, capped at $1,800.00.

Limits, product restrictions & stipulations

Prime · age ≤ 7 years · mileage ≤ 85,000 · financed $7,500.00–$65,000.00 · markup ≤ 2% · contract ≤ 8.49% · product cap $5,500.00

Financeable categories: service, gap, maintenance, tire, appearance, key, dent, windshield

Synthetic income verification
Signed training financing disclosure

Summit Training CreditWITHIN PROGRAM

Buy rate 6.49%Maximum LTV 140%Term 24–84 moCompensation $0.00

60% of payment-spread present value at buy rate, capped at $2,200.00.

Limits, product restrictions & stipulations

Prime, Near-prime · age ≤ 12 years · mileage ≤ 130,000 · financed $5,000.00–$75,000.00 · markup ≤ 2% · contract ≤ 10.49% · product cap $6,500.00

Financeable categories: service, gap, maintenance, tire, appearance, key, dent, windshield

Synthetic identity verification
Reviewed coverage and loan documents

Anchor Training DirectRESTRICTED

Buy rate 6.125%Maximum LTV 110%Term 24–60 moCompensation $425.00

Flat fee $425.00, capped at $425.00.

Limits, product restrictions & stipulations

Prime · age ≤ 5 years · mileage ≤ 55,000 · financed $10,000.00–$55,000.00 · markup ≤ 0% · contract ≤ 6.125% · product cap $3,500.00

Financeable categories: service, maintenance, key

Synthetic income verification
Direct-rate disclosure

Term is outside program limits.

Contract APR violates buy rate, markup, or contract-rate limits.

Financial reconciliation

Product revenue$0.00

Acquisition costs + dealer fees$0.00

Product gross$0.00

Configured reserve$565.16

Backend gross$565.16

Front-end gross (unchanged)$2,000.00

Combined transaction gross$2,565.16

Additional product tax$0.00

Revised amount financed$27,940.74

Total contractual interest$5,866.78

Cash transaction obligationFinanced

Revised LTV91.61%

Rate / term payment change$0.00

Optional-product payment change$0.00

Customer budget$620.00

Configured reserve is a training estimate, payable only under an eligible, completed fictional structure. Loan proceeds and product retail are not profit.

Record your calculation

Verified amount financed ($)Verified monthly payment ($)

04 / Customer interaction

STRUCTURED BRANCHING · NOT LIVE AI

The Analytical Buyer

Understand every item before deciding

“Compare the prices and trade-offs. I need you to compare options.”

Trust under configured rules50 / 100

Customer interest depends on fit, budget, trust and recorded explanations—not just price.

Recorded decision sequence

Misleading actions remain in the submitted record. Replay a new session to practice a different approach.

Synthetic customers, lenders, products and tax rules. No real credit data, lender approval or regulatory certification.

BUILD THE JUDGMENT BEHIND EVERY DEAL

The Deal Desk

Real-world decisions. Precise financials. A better way to practice.

FRONT-END GROSS

$2,6008.1% deal margin

AMOUNT FINANCED

$30,450Retail finance · 60 months

MONTHLY PAYMENT

$601.50Customer target: $600.00

LENDER ELIGIBILITY

Within Lender Guidelines

CUSTOMER PAYMENT

Exceeds Customer Target

Customer objective unresolved — revise or discuss a legitimate alternative.

ACTIVE SCENARIO BeginnerThe first pencil / Retail finance fundamentals

15 minPRACTICE MODE

Vehicle information

NEW

2025 Toyota

Camry SE

Stock #SIM-T25018

MSRP$32,450

Original listed price$31,950

Dealer vehicle cost$29,000

Reconditioning$0

Inventory costs$350

Days in inventory24 days

Total cost basis$29,350

$1,000 eligible customer rebate

Customer Information

Alex MorganFictional customer · Prime credit

A dependable daily driver for a new commute, with a predictable monthly payment.

Purchase preferenceRetail finance

Available cash down$4,000

Target monthly payment$600

Trade-inNone

Verified trade payoff$0

“I want to stay under $600 a month.”

Deal structure

LIVE CALCULATIONS

Vehicle & selling price

Selling price

Dealer discount

Trade-in & equity

No trade

Trade allowance

Actual cash value (ACV)

Trade payoff

Net trade equity

$0.00Calculated

Cash, incentives & fees

Cash down payment

Manufacturer rebate

Taxable fees

Nontaxable fees

Training jurisdiction A · 6.25%Trade tax credit applies · Rebate does not reduce tax base

Financing terms

Retail finance

Annual percentage rate

Loan term

Estimated total finance interest$5,640.57

Management process

Stay within $600 per month, retain at least $1,500 front-end gross, and verify the first retail pencil.

MANAGEMENT PROCESS

Investigate the customer’s primary concernExplain APR, term, equity, and the full transactionVerify costs, fees, appraisal, and payoffGuarantee lender approval (unsupported)

VERIFY YOUR PENCIL

Record your verified figures. Accuracy credit requires both checks.

Your payment check

Your gross check

Deal summary

USD

Vehicle selling price$31,950.00

Taxable transaction$32,249.00

Sales tax (6.25%)$2,015.56

Total fees$484.00

Out-the-door amount$34,449.56

Trade equity application−$0.00

Cash down−$3,000.00

Customer rebate−$1,000.00

Amount financed$30,449.56

ESTIMATED MONTHLY PAYMENT$601.50/ mo

6.90% APR · 60 months

Exceeds Customer Target
Customer target: $600.00
Calculated payment: $601.50
Over target: $1.50

Profitability breakdown

Vehicle gross$2,600.00

Trade over / underallowance$0.00

Adjusted front-end gross$2,600.00

Deal margin8.14%

Lender guidelines

Summit Retail · fictional program

Amount financed$30,449.56

Program finance range$5,000–$65,000

Configured lender book value$32,450

Loan-to-value93.8% / 125.00% max

Loan term60 / 72 mo max

Credit programPrime

Down payment$3,000 / $0 min

APR program floor6.9% / 5.9% minimum

TRAINING STIPULATIONS

Verify stated income

Confirm payoff and title information

Simulated guidelines only. Not a credit decision or real lender approval.

All vehicles, customers, lender programs, and tax profiles are simulated. Training use only.CALCULATION ENGINE v1.0

Finance & Insurance

Basic Finance Transaction

01 / Deal intake

2024 Toyota RAV4

02 / Fictional lender comparison

03 / Optional protection menu

The Deal Desk

Vehicle information

Camry SE

Customer Information

Deal structure

Vehicle & selling price

Trade-in & equity

Cash, incentives & fees

Financing terms

Management process

Deal summary

Profitability breakdown

Lender guidelines