Can buyers upload stips from their phone?

Yes. The link opens in any phone browser with no app or account, and photos upload straight from the camera.

Can I use a QR code in the showroom?

Yes. Every request has a QR code you can show at the desk so a buyer can start uploading on the spot.

Does Tangentflow send text messages?

No. Requests and reminders go by email, and buyers can reply to those emails with attachments.

How do stips get into my DMS?

Download a ZIP, send files to Google Drive, or post them to your system with a webhook.

There is a Free plan at $0 and a Pro plan at $29 per month.

Auto dealers

Clear financing stips before the customer walks in

Send each buyer a private link with the lender's stips: proof of income, proof of residence, insurance card, driver's license and references. Each upload is checked for the right name, address and date, so your F&I team gets a clean deal jacket.

Financing stips

What your customer sees

Proof of income, proof of residence, insurance card, driver's license and references, collected before the customer comes in to sign.

Name and address match
Documents dated in the last 30 days
License front and back

Deleted after the deal is funded

Financing stips

Customer checklist

2 of 4 ready

Proof of income
Pay stub · dated Sep 26
Proof of residence
Utility bill · address matches
!
Driver's license
Back of license is missing
References · 5
3 of 5 provided

Why collecting is hard

Deals wait on stips

A deal is approved with conditions, then sits while the buyer looks for a pay stub or a utility bill. Every day of delay risks the deal.

Stips that get kicked back

An address that does not match the application, a pay stub that is too old, or only the front of the license. The lender sends it back and you start over.

Photos of documents by text

Buyers send blurry photos to a salesperson's phone, and someone has to forward, rename and match them to the right deal.

What you can collect

Start from a ready-made checklist and adjust it. Each item can have its own rules, examples and forms.

Proof of income: Pay stubs with a count and a date window, such as the 2 most recent from the last 30 days.
Proof of residence: Utility bill or bank statement dated in the last 30 days, checked for the buyer's name.
Driver's license: Front and back required and checked for expiration. You can exclude IDs from AI checks.
Insurance card: Checked for the buyer's name and a current policy period.
Personal references: Name, phone and relationship for each reference, collected as text and phone questions.
Trade-in title and payoff: Photos of the title and the lender payoff letter, with an example photo for each.
Credit application: Attach your own fillable PDF. Buyers complete it and sign with a drawn signature.

The AI agent does the chasing

The AI collection agent emails the buyer their stips list, answers questions like whether a bank statement works as proof of residence, and paces reminders to the delivery date. Buyers can reply with photos attached and they go to the right stip. Questions about the deal or financing go to your F&I manager.

AI collection agent Instant document checks Forms & e-signatures Bulk requests

Frequently asked questions

Can buyers upload stips from their phone?: Yes. The link opens in any phone browser with no app or account, and photos upload straight from the camera.
Can I use a QR code in the showroom?: Yes. Every request has a QR code you can show at the desk so a buyer can start uploading on the spot.
Does Tangentflow send text messages?: No. Requests and reminders go by email, and buyers can reply to those emails with attachments.
How do stips get into my DMS?: Download a ZIP, send files to Google Drive, or post them to your system with a webhook.
What does it cost?: There is a Free plan at $0 and a Pro plan at $29 per month.