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At NAMAD, Mike Sims (VP, Peak Performance Team) and Charlie Smith (Virtual F&I) explain how dealers are collapsing wait times and boosting PVR by bringing F&I to the customer—everywhere. Their model blends real retail experience with flexible tech: centralized teams for scale, decentralized support across rooftops, and true on-demand F&I when you’re slammed (or short-staffed). No “AI black box.” Real humans. Real contracts. Real-time insurance and compliance.
The bigger point: there’s no linear car deal anymore. Trades get messy. Titles get weird. Customers want convenience without confrontation. Virtual F&I meets them where they are—while keeping your processes tight, your CSI clean, and your profitability intact. As Mike puts it, the only real question is: why not?
Takeaways
0:00 Intro — Peak Performance Team + Virtual F&I join from NAMAD
1:01 Why NAMAD feels like a family reunion (and why Mike keeps coming back)
2:24 The community, connections, and growth energy that make NAMAD different
3:02 Charlie’s second NAMAD: “This has substance—people actually walk you to the right person”
3:55 What Peak Performance Team does; why they partnered with Virtual F&I
6:55 The case for virtual F&I in plain English: “Why not meet customers where they are?”
7:22 Marrying tech with 25 years of retail reality—because car deals aren’t linear
9:11 The old F&I pileup: month-end, deal jackets, folded arms, frayed patience
9:41 Three delivery models: centralized, decentralized, and on-demand
10:44 Let customers jump the line—complete F&I online and avoid the bottleneck
11:05 When your one F&I manager can’t keep up: on-demand human support
11:56 Not a robot—live F&I pros delivering compliant, high-quality menus remotely
13:46 Onboarding done right: “Tell us your pain points; we’ll design to your ops”
14:54 Where to learn more and get under the hood
Learn more about Peak Performance Team: https://www.peakperformanceteam.com
Explore Virtual F&I: https://www.virtualfi.com
Connect with Mike Sims on LinkedIn: https://www.linkedin.com/in/mike-sims-3a9932b/
Connect with Charlie Smith on LinkedIn: https://www.linkedin.com/in/charliesmithvirtualfi/
NAMAD Sessions is brought to you by Mia and produced by the More Than Cars Media Network - https://www.mia.inc/