Credit Applications, Lender Rules, and Dealer-Lender Agreements

Tom Kline is a third generation “car guy” and former dealership owner with more than thirty years of experience. Kline is the Lead Consultant & Founder of Better Vantage Point, a specialty consulting firm focused on protecting and safeguarding dealers by employing targeted risk transference, regulatory compliance, and risk mitigation techniques. Additionally, Kline works with both tech and start-up companies and routinely provides expert witness testimony to defend dealerships against lawsuits. Kline’s writing and ideas have been featured in multiple prominent national publications, such as the Wall Street Journal and Automotive News. Kline works with both publicly-held and private dealerships, routinely speaks at national conferences and 20 Groups, and frequently presents webinars on current events. Tom has received various trade group endorsements and is a sought after podcast guest.