The F&I agency built exclusively for independent used car dealerships.
Too many independent dealers overpay for F&I products, get locked into opaque fee structures, and watch their agents profit while the dealership struggles to capture real backend revenue.
Backend Genie was built to fix that. We're an F&I agency that aligns incentives with the dealer, not against them. Transparency is the default. Dealers own their reinsurance. Every dollar of backend profit is accounted for.
Based in New Jersey, we serve independent dealers nationwide.
Our mission is simple: put more money back in the dealer's pocket. No inflated agent fees. No hidden costs. No structures designed to benefit everyone except the person running the dealership.
We believe dealers should own their reinsurance, keep more of their backend profit, and build long-term wealth — not just survive month to month while their F&I agent collects.
Competitive, transparent pricing that puts dealer margins first.
Every fee is disclosed upfront. No surprises on your statements.
You own the program, you keep the underwriting profit, you build equity.
Every cost, every fee, every line item — visible to the dealer. We don't hide behind complicated structures or fine print. If you can't see it, you can't optimize it.
Your reinsurance company. Your underwriting profits. Your book of business. We build programs that give dealers true ownership of their backend, not a rental arrangement disguised as a partnership.
The right F&I structure doesn't just add profit this month — it compounds over years. We help dealers build real equity through reinsurance reserves and sustainable backend strategies.
Every dealership is different. We build backend programs around your specific volume, inventory, and goals — not a cookie-cutter package designed for franchise stores.
We work with independent used car dealerships, buy-here-pay-here (BHPH) dealers, and high-volume stores across New Jersey, the Northeast, and nationwide. Our dealers are operators who know there's more backend profit to capture — and are ready for a partner who'll actually help them get it.
We typically work with dealerships doing 30+ units per month who want to optimize their backend profit, take control of their reinsurance, and stop leaving money on the table with the wrong F&I setup.
Find out how much profit you're leaving on the table — and what a transparent F&I partnership can do for your dealership.