The 8 Best F&I Consulting Companies for Car and RV Dealerships in the US (2026)

Last updated: July 27, 2026. Compiled by the Vision Management Group editorial team from publicly available company information.

Choosing the right F&I consulting partner can increase per-vehicle revenue by 20-30%.

Vision Management Group compiled this list of the leading automotive dealership consulting and car dealership consulting firms in the US for 2026, based on specialization, client outcomes, and service model. The list spans large national providers, dedicated auto dealership consulting companies, and smaller regional specialists, so dealers can compare based on what actually fits their store rather than by brand recognition alone.

What to Look for in an F&I Consulting Firm

Not every automotive dealership consulting company on this list operates the same way. Before comparing entries, it helps to know what separates a strong fit from a mismatch:

• On-site presence vs. remote/classroom-only training. Some firms send coaches into the dealership regularly; others deliver certification courses away from the store.

• Boutique vs. national scale. A firm working with 20 dealerships tailors coaching differently than one serving thousands.

• Process ownership vs. product distribution. Some firms are primarily F&I product providers (VSCs, GAP, warranties) with training as a secondary offering. Others sell no F&I products and are purely process and training consultants.

• Guarantee structure. Few firms publish a specific, numeric performance guarantee. Whether one exists, and what it actually promises, is worth confirming directly.

• Automotive-only vs. automotive-and-RV. Most firms here center on automotive; only a handful serve RV, marine, or powersport dealers with the same depth.

At a Glance: How the 8 Firms Compare

1. Vision Management Group

Vision Management Group (VMG) is a boutique F&I and dealership operations consulting firm headquartered in Boca Raton, FL, working on-site with automotive and RV dealerships across the US.

VMG's core offering is the Seven-Minute Menu Process, a proprietary F&I menu framework that sequences the customer conversation around loan context and ownership risk before price.

VMG reports this shifts dealerships from a 1.26 products-per-retail-unit (PPR) average under traditional menu presentation to 2.76 PPR, roughly double the products sold per deal, and backs new engagements with a 23% revenue increase guarantee.

What separates VMG from most firms on this list is scale and depth of engagement. Rather than operating as a national provider spread across thousands of rooftops, VMG works with a defined portfolio of 20-plus dealerships, with coaches conducting one-on-one Solo Sessions, live in-store coaching, and follow-up accountability rather than a single training event.

VMG also serves RV dealerships as a core part of its business rather than an afterthought, a differentiator few automotive-focused firms match.

Client-reported results include a $1.4 million F&I gross in the first nine months of a single dealership engagement (Northtown Automotive) and business manager CPVR improvements from $147 to $1,102.

See the full breakdown of VMG's model in What Is Vision Management Group?

2. JM&A Group

JM&A Group is one of the largest and longest-running names in automotive F&I, a division of JM Family Enterprises founded by Jim Moran and operating for nearly 50 years.

JM&A  serves close to 4,000 automotive dealerships nationwide, making it the largest-scale provider on this list by a wide margin.

Its offering spans F&I product distribution (through Fidelity Warranty Services and Fidelity Insurance Agency), F&I training and consulting, fixed ops consulting, talent management, and compliance support, along with Gyde, a newer F&I technology platform launched to modernize menu presentation.

JM&A's scale is both its strength and its tradeoff. With more than 700 associates, JM&A can offer resources and product breadth that smaller firms cannot, but the relationship is typically less individualized than a boutique firm's, and its training exists alongside its role as a product provider. JM&A is a strong fit for large dealer groups wanting a single, established partner across F&I products, training, and fixed ops under one roof.

3. Brown & Brown Dealer Services

Brown & Brown Dealer Services (BBDS) is the automotive, RV, marine, and powersports dealer division of Brown & Brown, Inc., a large national insurance brokerage. BBDS has been named the top F&I training provider in Auto Dealer Today's Dealers' Choice Awards for close to two decades running, and its RV-specific arm (BBRVS) traces back to F&I Consulting Unlimited, an RV-focused F&I firm founded in 2008 and acquired by Brown & Brown in 2013.

BBDS operates as an insurance broker offering F&I training bundled with commercial insurance, employee benefits, and workers' compensation, so F&I training is included with every client relationship rather than sold standalone.

Training runs through off-site workshops, on-site coaching, and online courses, with a structured multi-day certification track for business managers.

BBDS suits dealerships that want F&I training packaged with broader insurance and risk management services, and it is one of the few firms here with a genuinely established RV and marine specialization alongside automotive.

4. EFG Companies

EFG Companies is a nearly 50-year-old F&I product and training provider based in Irving, TX, serving auto dealers with vehicle service contracts, training, and compliance support.

EFG's training model centers on multi-day, in-person or online workshops (Road to the Sale, F&I Producer classes) delivered by instructors who are themselves former F&I managers.

The company  publishes a specific estimated outcome: an F&I profit increase of $206,400 per producer per year for clients in its reinsurance program.

EFG has also built a distinct compliance offering, Common Sense Compliance, including AFIP-certified training and F&I deal jacket audits, plus a complimentary F&I Log Review as a lower-commitment entry point before a full engagement. Like JM&A and Brown & Brown, EFG's training exists alongside its role as an F&I product provider rather than as a pure consulting engagement, worth understanding before comparing pricing or scope against boutique, training-only firms.

5. Reahard & Associates

Reahard & Associates is a training-only F&I firm, meaning it sells no F&I products of its own, a distinction the company  markets directly: "we don't sell any F&I products."

Its core offering is the Achieving F&I Excellence certification class, a multi-day in-dealership or classroom program, supported by an online course library with more than 150 modules and three tiers of certification (Online Excellence, Advanced, and Master).

Because Reahard doesn't distribute F&I products, its incentive structure differs from provider-affiliated firms like JM&A, Brown & Brown, or EFG: it's paid for training itself, not product attachment. Independent industry reviews place Reahard's online platform third among dedicated F&I training institutions as of 2025, behind Finance Manager Training and Automotive Dealership Institute, citing pricing and access limitations. Reahard suits dealerships specifically seeking product-agnostic F&I certification training rather than a broader operational consulting engagement.

6. Reynolds and Reynolds

Reynolds and Reynolds is primarily a dealer management system (DMS) and software company, not a dedicated F&I consulting firm, but it is frequently named in F&I and dealership consulting searches because of its long-standing training division and its embedded consulting sales role.

Reynolds employs  field-based Automotive Sales/F&I/Internet Sales Consultants who work directly with dealership personnel to identify operational gaps, typically as part of a Reynolds software implementation rather than a standalone engagement, and offers Reynolds University (RU) online training and Dealer University for broader dealership staff training.

Because Reynolds' consulting function is tied to its DMS and software products, dealerships considering Reynolds for F&I improvement should be clear on whether they're evaluating a standalone consulting relationship or a training layer bundled with a software contract. It suits dealerships already on Reynolds' DMS platform who want training aligned to that system, but it is a different category of engagement than the training-only or boutique firms elsewhere on this list.

7. F&I Guys

F&I Guys is a small, boutique F&I training and coaching firm based in Bedford, NH, positioning itself against what it describes as "antiquated F&I companies recycling the same tired sales approaches." Its model centers on weekly, high-touch dealership visits rather than monthly check-ins, with an emphasis on hiring and training F&I managers with no prior experience into a repeatable process, and blind-ranking F&I manager production across its partner dealerships to create internal competition.

F&I Guys is one of the smallest and most boutique firms on this list, closer in scale and cadence to VMG's model than to JM&A, Brown & Brown, or EFG. It also offers a dealer funding and working capital loan program alongside training, a combination not found elsewhere here, and suits smaller dealer groups drawn to a high-frequency, hands-on coaching cadence from a small firm rather than a large national provider.

8. The Impact Group

The Impact Group is an Ohio-based F&I general agency founded in 1988 that has evolved primarily into an F&I software and menu presentation company. Its Fusion Menu application is designed to create a lower-pressure, consultative F&I presentation experience for customers, paired with DMS-integrated reporting, e-rating, e-contracting, and legal compliance tools, along with training delivered on a flexible schedule.

Unlike most other entries here, The Impact Group's primary product is F&I presentation software rather than in-person coaching; training exists to support adoption of the Fusion system. Dealerships evaluating The Impact Group are primarily choosing an F&I menu software platform with training support attached, not a consulting engagement centered on process change independent of a specific tool.

How to Choose the Right F&I Consulting Partner for Your Dealership

With eight fairly different models represented here, the right choice among these automotive dealership consulting firms depends on what your dealership actually needs, not which name is most recognizable.

Decide whether you want training or a technology platform. Firms like The Impact Group and Reynolds and Reynolds center their offering on software; firms like Reahard, F&I Guys, and VMG center theirs on process and coaching. Both can work, but they solve different problems.

Decide whether you want a product-affiliated firm or a training-only one. JM&A, Brown & Brown, and EFG combine F&I product distribution with training. Reahard and VMG do not sell F&I products. Neither structure is inherently better, but it changes the incentives in the relationship.

Match the firm's scale to your dealership's size and cadence needs. A single-rooftop independent dealer or a small RV dealer group may get more attention from a boutique firm running weekly or biweekly visits (VMG, F&I Guys) than from a national provider serving thousands of stores. A large multi-rooftop group may value JM&A's or Brown & Brown's broader resource base.

Ask for the specific mechanism behind any stated result. A PPR shift, a PVR guarantee, or a per-producer profit estimate should come with an explanation of what actually changed in the process to produce it, whether that's a specific menu sequencing framework, a training cadence, or a software tool. VMG's Seven-Minute Menu Process and its published 1.26-to-2.76 PPR data, or EFG's per-producer estimate, are useful because they name the mechanism, not just the outcome.

The firms on this list, across boutique consultants, product-affiliated providers, and automotive dealership consulting companies built around software, serve genuinely different dealership needs. The right fit is the one whose model matches how your dealership actually wants to work.