Main site

Automotive AI agent · Floorplan

Floorplan & Inventory-Audit AI Agent

Reconcile the lender's outstanding VIN schedule against the inventory of record, age each unit to its own curtailment date, and evidence each variance before your controller signs the certification the guaranty stands behind.

Typical delivery
4–6 weeks
Deployment
Your stack
Named signature
Ledger-first
After launch
Agent Care

What this agent does

Reconciles the position, never certifies it

In

  1. 01

    A unit is floored, and its VIN, floor date and advance are read from the lender's outstanding schedule.

  2. 02

    A VIN is matched to the inventory of record and resolved to one documented status, or held as a variance.

Reason

  1. 03

    A status is evidenced per unit — on the lot, in service, demo, loaner, in transit, on a trade, or sold.

  2. 04

    A curtailment falls due on that facility's own schedule, since timing and percentage are per-loan terms.

  3. 05

    A unit is delivered, and the remittance clock runs from delivery, not from the date the contract funds.

Decide

  1. 06

    A retail buyer takes free under §9-320(a) as your state enacted it, so the car goes and the money is left.

  2. 07

    A payoff is tracked as identifiable proceeds, which §9-315(d) leaves unperfected after 21 days.

Out

  1. 08

    A variance is written up as it arises, dated then, and kept per VIN against the inspection that follows.

  2. 09

    A write happens only inside the approval boundaries agreed at implementation, and never as a signature.

Product statement

The agent reconciles the position; a named controller certifies it, and the dealer principal's personal guaranty stands behind that signature.

Example workflow

One unit, ledger to certification

  1. 1Unit on the lender's ledgerOutstanding VIN schedule, DMS inventory, deal jacket or wholesale record
  2. 2Status evidencedLot sightings, service tickets, demo logs, trade paperwork and payoff records, each with its source
  3. 3Position proposedOpen variances, curtailment aging and confidence
  4. 4Controls appliedLedger-match checks, per-facility curtailment rules, remittance-window checks and confidence threshold

No human action required

Stages 1 to 4 run unaided, and nothing is certified at any of them — under §9-311(d) dealer inventory is perfected by filing, not by title, and the controller's lane opens at the confidence gate.

5DecisionBranches at the confidence threshold
High confidence

Goes to the controller to certify.

Low confidence

Adds an office-manager read first.

Controller approval

The position is held with its evidence, its open variances and the confidence.

Approve · Amend · Send to manager review

Approved — released for signature

  1. 6Lender reporting updatedOnly where write access and approval policy allow it
  2. 7Outcome evaluatedAmendments, audit exceptions, days a unit ran unremitted and shortfalls found on inspection

Amendments

Every controller amendment is counted, including exceptions raised at the audit.

What should not run autonomously

Human approval stays in control

Outside the boundary — human approval required

8 items

  • Signing the certification the personal guaranty stands behind.
    • Remitting a payoff or releasing funds to the lender.
    • Deciding a unit is out of trust rather than unlocated.
    • Agreeing a curtailment, extension or waiver with the lender.

  • Automation boundary

    Agent acts unaided

    • ✓Reconcile the lender's schedule to what is on site.
    • ✓Carry each unit forward with its status, its evidence and its date.
    • ✓Age each unit against that facility's own curtailment schedule.
    • ✓Flag variances and stale units, and hold the position.

    Any write happens inside the boundaries agreed at implementation, never as a signature.

    • Writing off, wholesaling or trading a financed unit.
    • Explaining a shortfall to the auditor on the store's behalf.
    • Moving proceeds between the operating and payoff accounts.
  • Changes to facility rule sets, thresholds or approval boundaries.

Example output

One unit, annotated

Everything the agent reconciles is attached to the ledger line it was matched to.

Reconciliation output · single unit

Illustrative example
Unit
New unit, in demo use
Reconciled line
Status evidenced as a demonstrator from the demo log on file
Days since floored
Day 62 on floor
Schedule applied
This facility's terms
Confidence
92%
Signature required
Named controller

As received

Taken from the lender's schedule and the demo log on file — nothing on this side is asserted by the agent.

Evidence used

  • Lender ledger line
  • Demo log, dated
  • Last lot sighting

Why this status

It is in demo use and unsold, not a unit delivered and a person still decides.

What the score decides

Below the configured threshold the position picks up a manager read before the controller.

Action

ApproveAmendSend to manager review

Value

Where AI adds value

The same four claims, placed at the point in the workflow where each one applies.

Where the value lands

Value 01 – 04

Every financed unit

From the lender's schedule

03Reconciliation

Match to the lender's ledger

Draw on the outstanding schedule, the DMS and this facility's terms, read against the OCC booklet as at August 2026.

01Approved path

The guaranty is personal

Matched units arrive reconciled, aged and evidenced, with the open variances named.

02Human review

Put a read between preparer

In AFC v. Nunez (Bankr. N.D. Tex., March 2019) trust language and a signed guaranty were not enough on their own — dated per-unit evidence is what differs.

04

Build an evidence trail

The unit, the ledger it was matched to and the controller who certified stay on the audit.

Integrations

Typical integrations

Five system groups connect to the same agent. Which of them are in scope is decided in discovery.

  • Floorplan lenders

    • Ally
    • GM Financial
    • Chase
    • NextGear
    • AFC

  • DMS inventory

    • CDK
    • Reynolds
    • Tekion
    • Dealertrack
    • Auto/Mate

  • Dealership accounting

    • DMS accounting module
    • Schedules and journals

Agent

Floorplan & inventory audit

  • Reads the ledger
  • Reconciles the units
  • Holds for the controller

  • Banking and treasury

    • Payoff and remittance files
    • Operating-account feeds

  • Observability & evaluation

    • OpenTelemetry
    • Langfuse
    • Supported monitoring/evaluation sources

Integration availability depends on the client's existing systems and API access.

Agent controls

Six layers between the model and the certification

Six controls, tightening as they go inward. What clears the last one is listed in the map below.

L6 · Outermost — last line of defence

Inward → L1 · closest to the model

L6Rollback / safe modePull reconciliation back to variance reporting when evaluation or production signals degrade.Roll back
L5Version monitoringTrack model, prompt, curtailment-rule and facility-configuration changes.Track
L4TraceabilityRecord the ledger line, the evidence, the variance, the amendments and who approved.Record
L3Controller approvalHold positions for a named controller; it governs release, not whether the units beneath were located.Gate
L2Policy guardrailsTest positions against this facility's own remittance window and curtailment terms, not a market schedule; a failure returns them.Restrict
L1Confidence thresholdsRoute low-confidence positions to a manager read before the controller sees them.Require review
Model corePosition proposed — open variances, curtailment aging and confidence
L1 – L2
Test whether a position may stand
L3
Puts the release in a controller's hands
L4 – L5
Keep the unit and the ledger behind it
L6
Narrows to variance reporting when signals degrade

How Nestack evaluates it

Evaluate the reconciliation workflow — not only the final count.

Coverage runs the whole depth of the workflow, and every layer is cut by slice.

Surface — the position the lender reads

  1. E1Final-output evaluationDid each VIN on the lender's schedule resolve to one documented status?
  2. E2Step-level evaluationDid the agent use the right facility, schedule and remittance window?
  3. E3Tool evaluationDid it read and write the correct unit and the correct ledger?
  4. E4Confidence calibrationDo low-confidence positions actually attract more controller amendments?
  5. E5Slice evaluationHow does performance change across specific unit types?
  6. E6Business outcomeHow many units were found short, or corrected after the audit had closed?

Floor — the outcome the dealer answers for

Failure modes

Where each failure originates in the agent

Seven failure modes, placed at the stage each one originates.

Agent lifecycle

Direction of processing →

  1. 01 · Retrieval

    1 mode

    • DH-03

      DMS-side reconciling

      The count is run from the DMS, not the lender's ledger.

    Stage gathers

    Ledger schedules, unit statuses and facility terms

  2. 02 · Reasoning

    2 modes

    • DH-04

      Single-schedule default

      One curtailment schedule is applied across three facilities.

    • DH-06

      Funding-date clock

      The remittance clock is run from funding, not delivery.

    Stage proposes

    Variances, aging, evidence gaps and confidence

  3. 03 · Tool / write

    2 modes

    • DH-02

      Low-confidence release

      Agent releases a position despite insufficient certainty.

    • DH-05

      Rationale written late

      A variance is explained from current system state.

    Stage writes

    Only where write access and approval policy allow it

  4. 04 · Output

    1 mode

    • DH-01

      Unit unresolved

      A financed VIN carries no documented status.

    Stage returns

    The position the controller signs and the lender reads

  5. 05 · Change / Version

    1 mode

    • DH-07

      Silent threshold drift

      A model or rule change widens what the agent accepts.

    Stage tracks

    Model, prompt, curtailment rules and facility terms

  • Sev-1 · certified outside the boundary
  • Sev-2 · a wrong position reaches the lender
  • Sev-3 · evidence thin, position to review
See the complete Automotive failure-mode catalogue

Affected slices

A clean group figure can hide one facility

A group-level variance figure reads clean while one lender carries most of the exceptions. Nestack reports the exception rate by slice, not only in total across the group.

Slice performance — reported separately, not only in aggregate

Illustrative example
SliceFailure rateLiftLift vs. thresholdStatus
Demos and service loaners7.2%3.7×Review
Units out on dealer trade4.9%2.5×Review
Sold, contract in transit3.4%1.7×Watch
Units on the lot, unsold1.7%0.9×Normal

Bar: variance-rate lift vs. on-lot unsold baseline · scale 0–4.0× · tick marks the 2.0× review threshold

2 of 4 slices over threshold

Evidence-linked improvement

A variance the guaranty rides on

A cycle shuts when the unexplained variance is a case the next release has to catch. That suite is what the next count run is measured against.

Improvement cycle · five stages

Switchback — the path turns at Improve and returns at Learn

  1. 01

    Detect

    Variance rate rises on one facility.

  2. 02

    Diagnose

    The car that sold on Friday and stayed on the ledger until the audit is read back until the cause is one thing.

  3. 03

    Improve

    The change is numbered on the way out, with the units that revealed it attached.

  4. 04

    Verify

    A variance case that has not cleared keeps the release parked until it does.

  5. 05

    Learn

    It joins the suite for good, and the reconciliation rules are edited to match.

  6. Learn → Detect

    The return edge. Detection next time runs against a suite that is one case longer.

Typical build scope

Twelve workstreams across six weeks

The build scope read against the delivery timeline. Week structure follows the six-week plan — discovery, sources, reconciliation workflow, evaluation, integration, then production validation and handover.

Workstream

Week 1Week 2Week 3Week 4Week 5Week 6

  1. 01Floorplan reconciliation discovery and boundary work.Week 1
  2. 02Lender-ledger and DMS assessment.Week 1, Week 2
  3. 03Per-facility curtailment and remittance rule mapping.Week 1, Week 2
  4. 04Unit and ledger ingestion, normalisation.Week 2
  5. 05Reconciliation logic and evidence binding.Week 2, Week 3
  6. 06Confidence scoring and variance routing.Week 3
  7. 07Controller approval workflow.Week 3, Week 4
  8. 08Lender-ledger and DMS integration.Week 5
  9. 09Variance and curtailment cases.Week 4, Week 5
  10. 10Guardrails and reconciliation controls.Week 4
  11. 11Unit-trail instrumentation.Week 5, Week 6
  12. 12Deployment, documentation and Agent Care handover.Week 6

12 workstreams · 6 weeks · bar shows the weeks a workstream is active — several run in parallel

Final scope and sequence confirmed in discovery

Engagement tiers

What each tier includes

Rows are the capabilities named in each tier's scope. Higher tiers include everything below them.

Capability✓ in scope · — not at this tierPilotOne lender, one storeProductionProduction ledger feedsAdvancedMultiple lenders / rooftops
Introduced at Pilot
Reconciliation to your ledger✓✓✓
Controller approval✓✓✓
Reconciliation-accuracy baseline✓✓✓
Introduced at Production
Reporting by lender—✓✓
Approval workflow in your systems—✓✓
Approved write-back—✓✓
Ledger and DMS integration—✓✓
Introduced at Advanced
Complex multi-facility terms——✓
Multi-stage store approvals——✓
High unit volume——✓
Multi-lender inventory controls——✓
Build priceFrom $5,000From $8,000Custom quote
Final build price
Confirmed after discovery based on integrations, workflow complexity, transaction volume, approval controls and deployment requirements.
Separate from build
Build pricing is separate from recurring Agent Care, which covers managed monitoring, evaluations, incidents and verified improvements after launch.

What we need from you

What you bring, and what we build with it

Each input maps to a piece of build scope and a week in the delivery timeline.

  1. 01Your facility terms and ledger structure

    Unit and ledger ingestion and evidence mapping

    Week 1

  2. 02Representative completed certifications

    Reconciliation baseline, rule extraction and evidence binding

    Week 2

  3. 03Your curtailment and remittance decisions

    Curtailment, remittance and automation-boundary mapping

    Week 1

  4. 04Access to relevant APIs, feeds or exports

    Lender-ledger and DMS assessment, then integration setup

    Week 2

  5. 05Positions you would not want certified

    Out-of-trust cases and the evaluation suite

    Week 4

  6. 06What no certification may cover

    Confidence scoring, variance routing, guardrails and approval controls

    Week 3

  7. 07Named controllers to approve positions

    Controller approval workflow, then pilot and production validation

    Weeks 5–6

Nothing else is required

Deployment, documentation and Agent Care handover are ours.

Delivery timeline

Four phases across six weeks

Bands sit where the audit calendar puts them, which is why week 5 holds two phases.

Phase

W1

W2

W3

W4

W5

W6

  1. DiscoveryW1
  2. BuildW2 – W3
  3. EvaluateW4 – W5
  4. Pilot & LaunchW5 – W6

Week focus

W1Reconciliation discovery, facility mapping and the automation boundary

W2Source integration and the reconciliation baseline

W3Reconciliation workflow, confidence logic and approval controls

W4Evaluation suite, out-of-trust checks and failure-mode testing

W5Ledger integration, pilot facilities and targeted corrections

W6One audit cycle run under the controller, then Agent Care handover

Reading the band
A bar spans the weeks its work is named in, and no others. The week 5 overlap is real.
At the end of W6
Once the cycle validates, Agent Care assumes the monitoring.
Duration
Six-week plan shown · typical delivery 4–6 weeks depending on scope confirmed in discovery.

Next step · Automotive AI agent

Build a floorplan agent around the ledger your lender actually audits.

Show us your facility terms, your lender's schedule and who signs — today that is the person who prepared it. You get a per-unit reconciliation, a dated rationale on each variance, and a position a controller can certify.

Typical delivery
4–6 weeks
Deployment
Your lenders and DMS
Named signature
Ledger-first
After launch
Agent Care available

Nestack Agents · Floorplan & inventory audit

AGT-AUT-16 · Agent Care available after launch

Build a floorplan agent

Four questions so the call starts from your actual setup — then pick a time that suits you.

About you
Your inventory

No obligation. We’ll map the workflow, name the automation boundary and tell you if an agent is the wrong answer.