Julio
Mendoza

Julio Mendoza leads Elite FI Partners' West Coast operations as Vice President, overseeing dealer relationships from Southern California through the Pacific Northwest. He brings deep roots in the retail automotive industry — years running F&I at the store level before moving into the agency side — and a reputation for being the person dealers call when a situation needs to be solved, not managed.

Julio's particular expertise is the franchise dealer market on the West Coast, where the competitive dynamics, lender relationships, and regulatory environment differ significantly from the national averages. He understands what a franchise dealer group expects from an agency partner — sophisticated reinsurance modeling, consistent training delivery, and access to a product shelf that can compete with the captive options those stores already have.

He also covers a meaningful share of the independent and powersports market in his region — dealers who often have stronger volume than their size suggests, and who consistently outperform franchise stores on a per-unit basis when they have the right F&I structure.

Julio is based on the West Coast and travels regularly to dealer partners across his region. He is fluent in English and Spanish, which has been a meaningful advantage in markets with large Spanish-speaking ownership and staff populations.