"The best F&I consultants don't sell — they solve."
ISSA Capital Group LLC is a Texas-registered F&I consulting firm helping independent and BHPH dealers increase backend profit, build compliant processes, and understand the regulatory landscape — fully remote and affordable.
Independent and BHPH dealers across the Houston area have improved their backend numbers, tightened their documentation, and built better F&I habits through our consulting.
"ISSA Capital Group helped us identify gaps in our F&I process we didn't even know existed. Our backend numbers improved significantly within the first 30 days. Best investment I made for my dealership."
"Finally someone who speaks our language — literally. Being able to work with a bilingual consultant who understands Houston made all the difference. Our F&I process is completely different now and our team actually follows it."
"I had no idea how many process gaps we had until they walked us through our deal jackets. The education alone was worth the investment. Now I sleep better knowing our documentation is solid and our team understands the requirements."
Testimonials represent general client experiences. Individual results vary. Results are not guaranteed.
Without dedicated F&I expertise, small dealerships miss backend profit and often don't know the federal and Texas requirements that apply to them — until it's too late.
Many independent dealers average $400–$600 PVR. A proper menu presentation system, consistent product offering, and trained staff can significantly increase this — deal after deal.
TILA Reg Z, FTC Red Flags, OFAC SDN, OCCC, FTC Safeguards, Gramm-Leach-Bliley — most small dealers have never heard of these. We educate and help build processes around them.
Without a compliant, transparent menu presentation system, dealers leave VSCs, GAP, and protection products unsold on deals where customers would have said yes.
Missing signatures, disclosures, or stipulations create serious exposure. We help build consistent documentation processes aligned with TxDMV and OCCC requirements.
Sources: FTC.gov, OFAC.treasury.gov, OCCC.texas.gov, IRS.gov. Not legal advice. Consult a licensed Texas attorney.
We are a business consulting and education firm — not attorneys, not an insurance agency. We help dealers build better F&I processes, increase product penetration, and understand industry best practices.
We review your deal logs each month, identify missed product opportunities, analyze your lender mix, and deliver a written performance summary with actionable recommendations.
We implement transparent, compliant menu presentation systems for VSCs, GAP, and ancillary protection products — and train staff on consultative selling techniques that increase penetration.
We help review and improve deal jacket processes — ensuring signatures, stipulations, and disclosures are consistently present, aligned with TxDMV and OCCC requirements.
We educate on TILA Reg Z, FTC Red Flags, OFAC SDN, FTC Safeguards, GLBA, OCCC, and Adverse Action notices. We are consultants and educators — not attorneys.
We advise on deal structure best practices, lender mix strategy, and credit tier guidance to help improve approval rates and maximize backend profit — without predatory practices.
We help dealers understand Gramm-Leach-Bliley Act requirements for protecting non-public personal information — including secure deal jacket storage and basic digital security awareness.
We educate dealers on important regulatory topics and help build organized processes. We are not attorneys. Always consult a qualified Texas attorney for legal questions.
"Understanding the regulatory landscape is the first step toward building a better-run dealership."
Independent Texas dealers are subject to both federal law — TILA Reg Z, FTC Red Flags, OFAC, the Safeguards Rule, Gramm-Leach-Bliley — and Texas state requirements under the OCCC and TxDMV. Most small dealers are simply unaware of the full scope.
We help dealers understand what these areas involve, build more organized processes, implement consistent documentation habits, and develop F&I systems that reflect best practices.
Important: ISSA Capital Group LLC is a business consulting firm. We are not attorneys and do not provide legal advice. Dealers must verify all compliance requirements with applicable regulatory authorities and a licensed Texas attorney.
If you finance customers directly, you face requirements beyond regular dealers. We specialize in helping BHPH dealers understand these areas and build better processes.
BHPH dealers typically need an OCCC Motor Vehicle Sales Finance license and must use compliant retail installment contracts under Texas Finance Code. Verify with OCCC and a Texas attorney.
Dealers must maintain an active TxDMV GDN and submit accurate buyer/seller info to the county tax office within the required timeframe. We educate on these TxDMV obligations.
Dealers accepting cash over $10,000 must file IRS Form 8300 within 15 days. We help set up awareness protocols. Verify with the IRS and a qualified CPA.
Texas has specific disclosure requirements for GPS trackers and rules around repossession. We help dealers understand best practices. Always consult a Texas attorney for specific situations.
We built this firm because we spent 7 years in the F&I office and watched independent dealers leave thousands of dollars on the table every single month — not because they didn't care, but because nobody showed them how.
We are not a national company with a call center. We are Houston-based, bilingual in English and Arabic, and we know the Texas market — the OCCC, TxDMV, Texas Finance Code, and the independent dealers who need real help from someone who has actually done this job.
"The best F&I consultants don't sell — they solve."
Educational articles to help Houston-area independent and BHPH dealers understand the F&I landscape. Not legal advice — always consult a licensed Texas attorney.
If you finance customers directly in Texas, you almost certainly need an OCCC Motor Vehicle Sales Finance license. Here's what that means for your dealership.
Call to Learn More →Most independent dealers present F&I products inconsistently or not at all. A structured menu system changes that — and the numbers show it immediately.
Call to Learn More →Selling a vehicle to someone on the OFAC Specially Designated Nationals list can result in civil penalties up to $377,700. Here's what the check process involves.
Call to Learn More →No hidden fees. Month-to-month after an initial 3-month engagement. We earn your business every month through consistent results and education.
For smaller independent dealers under 15 units per month looking to improve F&I processes and build better habits.
For independent dealers doing 15–30 units per month wanting to maximize F&I profit through better processes and menu selling.
We work with you every month to deliver consistent value
For Buy Here Pay Here dealers needing comprehensive F&I consulting and BHPH-specific process education.
Our entire consulting relationship is conducted remotely. No disruption to your daily dealership operations.
A free 30-minute call to discuss your current F&I process, deal numbers, and goals. We learn about your dealership and explain how we can help.
You share your recent deal logs. We review for profit opportunities and process gaps, then deliver a written summary with specific recommendations.
We help develop your F&I forms, menu presentation system, and deal documentation process — all remotely within the first two weeks.
Every month we review deals, deliver your performance report, hold your strategy call, and support your team with ongoing F&I education.
Schedule your free 30-minute consultation. No cost. No obligation. We'll discuss your current process and show you exactly where we can help — through education, training, and guidance.
Call Now — Free Consultation — (281) 270-1071ISSA Capital Group LLC is a Texas-registered limited liability company providing business consulting, education, and training services to independent motor vehicle dealers. Our services consist of F&I process consulting, menu selling system development, staff training, deal jacket process education, and general regulatory awareness education. We are an F&I and compliance consulting firm — not a law firm and not attorneys. Nothing we provide constitutes legal advice. We are not a licensed insurance agency and we do not sell insurance products to consumers. We do not act as a Finance Manager on any dealer transaction. We do not guarantee loan approvals for any customer. All regulatory information shared through our services and on this website is sourced from publicly available government publications and is provided for general educational awareness only — it may change, may not be current, and may not apply to every situation. Dealers are solely responsible for all regulatory and legal compliance decisions. Dealers should verify all compliance requirements directly with the FTC, OCCC, TxDMV, IRS, and OFAC, and should consult a licensed Texas attorney and qualified CPA for specific legal and tax guidance. Fine amounts referenced represent published government maximum figures for educational reference only. ISSA Capital Group LLC makes no guarantee of specific business results. Results vary based on dealership size, market, management, and individual circumstances. © 2026 ISSA Capital Group LLC · Houston, Texas · issacapitalgroup.com · (281) 270-1071