Vision Management Group Results: F&I Case Studies From Automotive and RV Dealerships
Vision Management Group, the F&I consulting firm founded by Tony Fiorillo in 1999, works with automotive, truck, and RV dealerships across the US. This page collects VMG's published client results in one place. Two headline examples: Northtown Automotive's F&I department grossed more than $1.4 million in its first nine months with VMG, and a business manager with no prior F&I experience reached $2,524 PVR within nine months.
F&I Consulting Results at a Glance
Dealership | Type | Starting problem | What VMG did | Result | Full story |
Northtown Automotive, Yankton, SD | Automotive | Stalled launch: no set finance process, weak sales-to-finance turnover, low F&I production | Reset visit: rebuilt the handoff, trained service advisors on claims, changed contracts with the TPAs | More than $1.4M F&I gross in the first nine months; nearly $300K ahead of the 2025 pace through H1 2026 | |
Truck dealership, St. Cloud, MN | Commercial truck | New business manager with no F&I experience | 7-Minute Menu training plus six months of one-on-one development | PVR from $1,659 to $2,524; products per deal from .63 to 2.88 | |
Sharp Automotive | Automotive | Sales process neither organized nor effective | Sales process training, deal tracking, and ongoing support over 10+ years | Grew from 100 to more than 150 units per month | Client testimonial |
Hilltop Camper and RV | RV | Needed a process fitted to the store plus compliance training | One-on-one training, compliance training, reps in store nearly weekly | Finance income more than doubled | Client testimonial |
AC Nelsen RV World | RV | Efficiency and profitability | Ongoing partnership | A "300% turnaround" in team efficiency, in the client's words | Client testimonial |
Business manager | F&I office | Low per-copy income | One-on-one coaching through Solo Sessions | CPVR from $147 to $1,102 | VMG training team |
Before and After: The St. Cloud Business Manager
In November 2025, a truck dealership in St. Cloud, Minnesota hired a business manager with no F&I experience. VMG trained her on the 7-Minute Menu process, and a VMG District Manager coached her for six months on product knowledge, deal structure, and compliance.
Metric | Month 1 | 9-month year to date |
PVR | $1,659 | $2,524 |
Products per deal | .63 | 2.88 |
VSC penetration | 31.3% | 43% |
GAP penetration | 27.3% | 51.2% |
PVR rose roughly 52% from her first month, and products per deal more than quadrupled.
Northtown Automotive: A Reset That Turned a Stalled Launch Around
VMG began working with Northtown Automotive on September 24, 2025. Six months later, the launch still had open questions on process, products, and claims across sales, F&I, and service. In March 2026, three members of VMG's team returned for a reset visit.
During that visit, VMG rebuilt the sales-to-finance handoff, walked service advisors through the claims process coverage by coverage, and worked with the store's third-party administrators to change the F&I contracts. Because Northtown serves a rural market, that included an expanded towing radius so the coverage matched where customers actually drive.
The timeline of results:
September 24, 2025: VMG engagement begins.
March 2026: reset visit. A new business manager is hired the day before it wraps.
First four months after the reset: the new business manager grosses more than the store's other two business managers combined, even though their totals include two extra months.
First half of 2026: the store runs nearly $300,000 ahead of its 2025 pace, when it worked with a different agency.
First nine months with VMG: more than $1.4 million in F&I gross.
What These F&I Consulting Results Have in Common
The process came before the training. At Northtown, VMG fixed the handoff and the contracts before coaching the new hire on them. The St. Cloud manager learned the 7-Minute Menu from her first month, so there were no old habits to undo.
The handoff from sales got attention. Northtown's gains followed a rebuilt sales-to-finance turnover. At Harry Brown's Family Automotive, VMG's team surfaced a disconnect between the desk and F&I that the store had not seen, and the store went on to hit its PVR and penetration goals.
Each business manager was coached individually. The St. Cloud manager and the $147 to $1,102 CPVR manager both improved through one-on-one coaching rather than group training alone. VMG National Training Director Julie Barton reports that several managers she coaches have pushed VSC penetration past 60% while also raising PVR.
Store leadership held the process. At Northtown, the GSM now holds F&I and sales staff accountable on process and paperwork, which is why the results continued after VMG's visit ended.
How Long F&I Consulting Takes to Show Results
Most VMG clients see measurable movement within the first several months. At Northtown, the clearest gains appeared within four months of the reset. In St. Cloud, the business manager's numbers climbed steadily across nine months, starting from zero experience.
Longer relationships show whether results hold. Lockwood Motors and Sharp Automotive have each worked with VMG for more than ten years.
Automotive and RV Results
VMG's results span franchise automotive stores, a commercial truck dealership, and RV dealers. RV clients such as Hilltop Camper and RV, AC Nelsen RV World, Burlington RV Superstore, and Leach Camper Sales of Lincoln report gains in F&I income, efficiency, and compliance. For how F&I differs in an RV store, see VMG's guide to RV F&I products.
In the Dealers' Words
"You and your team defined the difference between being just another vendor and being a true, valued business partner." Chet Lockwood, Dealer Principal, Lockwood Motors
"We have grown from 100 units per month to over 150 with your help." Doug Sharp, Dealer Principal, Sharp Automotive
"It was the perseverance of your team that brought to light the disconnect of our desk to F&I." Michael Brown, President, Harry Brown's Family Automotive
How These Results Compare to Industry Benchmarks
StoneEagle's first-half 2026 data puts the average F&I profit at $1,989 per vehicle retailed, with 1.55 products per deal, 45% VSC penetration, and 39% GAP penetration (StoneEagle). The St. Cloud manager's nine-month numbers sit above that average on PVR ($2,524), products per deal (2.88), and GAP penetration (51.2%). Her store is a truck dealership and she is one manager, so treat the comparison as a direction, not a like-for-like benchmark. For how PVR is calculated, see What Is PVR in Car Sales?
Frequently Asked Questions
Does F&I consulting actually work?
It can, when the engagement changes the process and coaches each business manager. VMG clients have reported results such as more than $1.4 million in F&I gross in nine months at Northtown Automotive and a new business manager's PVR rising from $1,659 to $2,524 at a St. Cloud truck dealership.
How long does it take to see results from F&I consulting?
Most VMG clients see measurable movement within the first several months. At Northtown Automotive, a new business manager outgrossed two experienced peers combined within four months of VMG's reset visit.
What results do Vision Management Group clients report?
VMG clients report higher F&I gross, PVR, products per deal, and product penetration, along with gains in unit sales, compliance, and efficiency. Examples include Hilltop Camper and RV more than doubling finance income and Sharp Automotive growing from 100 to more than 150 units per month.
Does Vision Management Group work with RV and truck dealerships?
Yes. VMG works with automotive, commercial truck, and RV dealerships nationally, including Hilltop Camper and RV, AC Nelsen RV World, Burlington RV Superstore, RCD RV, Humphrey RV, and Leach Camper Sales of Lincoln.
How are these results measured?
VMG pulls a baseline of PVR, products per deal, and product penetration from the dealership's DMS at the start of an engagement and tracks the same metrics throughout. The figures on this page are VMG engagement data and client-reported results, not independently audited.
See What Your Store's Numbers Could Look Like
Vision Management Group has helped 20+ automotive and RV dealerships increase F&I revenue by an average of 30%. The Dealer Health Check-up gives you a baseline to measure against, the same starting point every result on this page began with. Learn more about VMG's F&I consulting and training, or read who Vision Management Group is.
