Andy
Hilton

Andy Hilton works in Account Development at Elite FI Partners with a background that runs through the dealership finance office — he's sat at the desk, run the menu, and managed the lender relationships that every F&I manager deals with. That experience makes him effective at building credibility with F&I managers and finance directors who are evaluating whether to switch agency partners.

Andy is particularly strong at the reinsurance conversation. He can walk a dealer principal through the math of a captive program — how reserves accumulate, what the loss ratio looks like at their volume, what the difference between a CFC and DOWC means for their specific situation — in a way that's accessible without being condescending. That's a difficult skill and one that opens doors most account developers can't.

He focuses on dealers who are already running some form of F&I program but feel like they're leaving money on the table — in back-end revenue, in reinsurance accumulation, or in the training depth of their team. His job is to show them specifically where the gap is and how Elite FI closes it.