A transparent, remote F&I experience completed on the customer's terms.
Welcome to Apex Virtual F&I
The pinnacle of performance in F&I.
Elevating the dealership experience through convenience and efficiency. Apex takes vehicle finance to the client, fully online and fully compliant, so your sales team stays focused on what they do best, selling vehicles.
No retainers. No monthly fees. Payable only on a funded deal.
Built around three priorities
Convenient for your client. Efficient for your team. Profitable for your dealership.
Remove bottlenecks and keep your sales floor moving.
A scalable solution with costs aligned directly to performance.
The modern car buying journey demands flexibility. For your customers, your sales team and your business. Apex provides a dedicated, remote F&I solution that integrates seamlessly with your dealership.
There are no retainers and no monthly fees. Our fee is payable only on the successful conclusion of a deal. Your investment in Apex is funded by revenue you have already generated.
We manage the financial, insurance and regulatory components so you can focus on growth. This is Apex.
Who we are
Redefining F&I for the modern dealership.
Apex Virtual F&I was established to bring the F&I function directly to the customer. We are a specialist, remote finance and insurance team that partners with forward thinking dealerships to manage the entire post sale process with precision, speed and professionalism.
The name Apex represents the highest standard. It is the benchmark we apply to every interaction, every contract and every deal. Our mission is to deliver an F&I solution that enhances the customer journey, empowers your team and strengthens your profitability, without adding complexity to your operation.
With Apex, you gain access to seasoned F&I expertise focused on optimising approval ratios and maximising ancillary income, without the fixed cost of an in house department.
The expertise behind Apex
A national award winning F&I desk, on demand.
Letitia Subban built her career inside franchised dealerships, in the disciplined, fully accredited, award winning environment that sets the benchmark for F&I. More than a decade of meticulous, standards-driven work she genuinely loves, defined by precision, compliance and a relentless attention to detail, helping people through one of the biggest financial decisions of their lives.
She is accredited across all major banks and operates under an authorised FSP. This frees your dealership to concentrate on selling cars, with the assurance that F&I compliance, audits, paperwork and reporting are fully managed.
- 2024
Audi Silver Arrow, 1st place national
F&I Manager of the Year, Category 3
- 2020
AutoSure top performer, KZN
Top performing Business Manager, value added products
- 2025
Beads Magazine, Power 5 feature
Strong Women, Bold Moves. Vol. 24
Accredited and compliant
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Our services
A comprehensive, end to end virtual F&I solution.
Two ways to partner with Apex, each delivered under an authorised Financial Services Provider.
- 01
Finance application management
Preparation and submission of complete, compliant finance applications to a panel of lending institutions, for optimal turnaround times and outcomes.
- 02
Strategic deal structuring
Collaborative structuring of deals to enhance affordability and improve the probability of approval for every customer.
- 03
Deal resuscitation
Expert review and restructuring of declined applications where there is merit. We identify alternative solutions and present cases to secure approvals that would otherwise be lost.
- 04
Value added product presentation
Professional, consultative presentation of value added products to improve penetration, ancillary income, customer value and retention.
- 05
Guidance on the finance process
We guide clients through the online signing process and requirements, ensuring a seamless and legally compliant experience.
- 06
Payout administration
Proactive management and follow up through to final payout, which means faster payouts to your dealership and less admin on your side.
All processes are managed, tracked and reported to maintain full transparency.
Deal Tracker
Low monthly subscription | First month free
Real time deal tracking,
built for precision.
Your deals shouldn’t wait on anyone. The Apex Deal Tracker puts every deal on one live dashboard, from application to payout, so the moment something moves, your whole team sees it, no phone calls, no waiting on feedback, no deals sitting idle. Finance that keeps pace with your floor.
- Live pipelineEvery deal, its stage and its status, updated in real time as the desk works it.
- Total transparencySalespeople, sales managers and dealer principals each see exactly what they need, the moment it changes.
- Precision reportingApprovals, declines, NTUs and payouts, tallied to the deal and ready to send in a tap.
Standard with every Apex partnership.
Why choose Apex
The strategic advantage of virtual F&I.
Apex is designed to deliver measurable results for your dealership. Here is how partnering with us creates value across your entire business.
Performance based partnership
No fixed costs. No retainers. Our fee is entirely success based. You are only invoiced once a deal is funded, and the cost of our service is directly offset by revenue already earned.
Expertise on demand
Leverage a professional dealmaker dedicated to improving approval rates and maximising backend profitability, without the expense of a permanent hire.
Enhanced customer experience
Meet the expectation for convenience. Clients complete their F&I process remotely, reducing time in store and increasing satisfaction and CSI.
Operational efficiency
Keep your focus on retailing vehicles. Apex assumes responsibility for the financial, insurance and compliance workflow, freeing your team to sell.
Accelerated cash flow
Our team prioritises accuracy and follow through from submission to payout, reducing delays and improving your funding cycle.
Assured regulatory compliance
We maintain strict adherence to FAIS, FICA, TCF, POPIA and all relevant legislation, and we carry the entire compliance obligation and its cost on your behalf. That protection is built into our per deal fee, so it never becomes a monthly overhead for your dealership.
Apex Virtual F&I delivers the capability of a full F&I department with the flexibility of an outsourced partner. A better experience for your customer, a simpler process for your team, and stronger results for your dealership.
By the numbers
Serious credentials behind every deal.
The capability of a full F&I department, working your floor only when a deal is funded.
0Years at franchise F&I standard
#1National, Audi Silver Arrow 2024
AllMajor banks accredited
R0Upfront. Payable only when a deal is funded
Get started
Partner with Apex.
One short consultation and your next deal can run through Apex. No setup cost, no monthly fee, and nothing to pay until a deal is funded.
Pick a time that suits you. It takes about a minute.
Prefer to reach out directly?
Remote across South Africa