The Stip Trac program will help dealers collect and manage necessary loan documents from any consumer, at the same time, it will track the dealership’s pending loan cash flow. At a quick glance from the dealerships “dashboard” car dealers can track cash owed by bank, set “contact in transit” limits, track money in transit by salesman, status of any deal “in transit, held at dealership, funded, ect”, age of deal, missing stips, add internal notes that can be viewed by all parties involved with the loan at the dealership “salesman, finance and sales managers". Some of the key features of Stip Trac will allow dealers to add additional stips to a loan at ANY time, push welcome calls to the bank, gain real references and referrals from customers, allowing them to use "contact list" on their cell phone, approve or deny any stip as they come in, custom messaging service to deliver any urgent message to the buyer automatic push notifications and branded dealer app. Stip Trac allows the dealer to see the who, what and why of an automotive loan from anywhere in the world with the use of a smart phone. For the consumer, it helps protect them from identity theft, can eliminate additional trips to the automotive dealership to drop off loan related documents and speed up the finance process at the dealership.