D ealerships selling powersports, RVs, and personal watercraft still rely on F&I systems built for automotive. Legacy F&I menu systems, originally built for automotive VIN workflows struggle to support non-VIN vehicles common in powersports, RV, and personal watercraft dealerships.
Even well-run F&I departments lose thousands each year to manual entry, slow workflows, and disconnected tools. Studies show as much as $400–$800 per rooftop each month lost to outdated processes. Dollars that could otherwise boost gross profit[i].
Where the Profit Goes
1 Manual Data Entry and Errors
Most dealers use multiple systems: a CRM, quoting tool, F&I menu, and separate e-contracting software, none which are fully integrated. This “tool sprawl” forces repeated data entry, creating bottlenecks, clerical mistakes, and unnecessary rework. Every extra keystroke burns labor time and increases customer frustration[i].
2 Slow, Disjointed Processes
Legacy menus are designed for 17-digit VIN workflows. Powersports, RV, and personal watercraft products sometimes use unique SKUs or shorter serials. That forces F&I and sales teams to bounce between screens or paper forms just to build a quote.
Integrated platforms solve this with real-time data sync and single-screen contracting, cutting quote-to-contract time in half. In fact, recent powersports benchmarks show a record 27% F&I gross margin per unit when systems are unified and efficient[i].
3 Missed Profit Opportunities
F&I remains one of the few controllable levers of dealership profit contributing as much as 40% of total earnings in some segments[i].
The best personal watercraft dealers report $1,100+ in F&I gross per unit[i], while RV dealers average $7,500 per motorized unit and $3,500 per towable[i].
Each minute wasted or product missed in presentation erodes backend gross.
And because financing customers are about three times more likely to buy a service contract, inefficiency directly lowers penetration rates and profit potential[i].
4 Compliance Risk
Outdated menus increase the chance of missed disclosures or inconsistent presentation and violations that can now cost up to $53,088 per infraction under FTC guidelines[i].
Manual handoffs create audit gaps that modern, automated systems prevent by logging every step digitally.
The Real Financial Impact
Across audits, even high-performing teams lose thousands per store annually due to legacy F&I workflows roughly $450–$750 per rooftop monthly[i].
Over a year, that’s a five-figure hit per location.
If you are an RV dealer, for example, switching to a unified, focused F&I platform can eliminate retyping, refresh quotes instantly, and cut total contracting time in half[i].
The outcome: fewer mistakes, faster deals, and higher attachment rates, the kind of incremental lift that compounds quickly in growing markets.
Why It Matters Now
The global powersports market is projected to reach $69.4 billion by 2034, with North America representing nearly half that total[i].
At the same time, the U.S. off-road sector is expanding from $11.3 billion in 2024 to $17.7 billion in 2034[i].
As sales rise, so do inefficiencies unless dealers modernize the tech stack supporting F&I.
Outdated tools create “more work, not less,” while integrated systems automate rating, e-contracting, and compliance in one workflow. Finance managers can spend their time where it matters most through selling products, not chasing data.
Ready to Stop the Bleed?
If you’re running legacy menus in powersports, RV, or personal watercraft sales, you’re likely losing money. See how a purpose-built, non-VIN F&I platform like PresentNow can help you reclaim margin, speed up deals, and keep compliance airtight.