EvoRise gives your F&I team AI-powered credit analysis, real-time lender matching, and personalized customer roadmaps — all in one platform.
What it does
Upload a credit report and get instant scoring, account breakdown, red flags, and call scripts in seconds.
18 Canadian lenders ranked by real fit using actual rate sheets and approval criteria — not just score cutoffs.
Every customer gets a personalized Back to Prime journey. Delivered to their inbox. Trackable in their own portal.
For the customer
Every customer gets their own portal: a locked baseline score, a plain-language journey back to Prime, and TJ — a credit coach who actually knows their file — checking in along the way.
Sample journey preview
113 points from Prime
Many customers in a similar position see meaningful progress within 3–6 months by following the steps below. This is a general guide, not a personalized prediction.
Meet TJ, your AI Credit Coach
Plain-language lessons on utilization, collections, and consumer proposals — delivered right inside the conversation with TJ, in English or French.
Every successful referral — a friend or family member who ends up doing a deal — earns a reward. Customers get their own shareable link, tracked right in their portal.
How it works
Rep uploads the PDF, PIPEDA consent checked.
Score, accounts, lender matches, and call scripts generated instantly.
Customer gets a login to their personal portal with their credit improvement plan.
Ask anything. Lender LTV limits, PTI requirements, approval strategies, deal structuring. Omni knows your lender docs inside out.
What's RIFCO's max LTV for a Tier 2 customer?
RIFCO Tier 2 allows up to 140% front-end LTV (170% all-in). Max finance $55,000, max term 84 months. PTI capped at 18% with verifiable income.
Score's sitting at 380 with a recent consumer proposal — anything left?
Access Credit Leasing goes as low as 350 — the most permissive floor on file, though it's lease-to-own with tighter amount and vehicle caps. Only TJ can submit deals there within Team Evo, so loop them in early.