Toma vs AutoFi
Side-by-side comparison of AI visibility scores, market position, and capabilities
SF YC W24 AI voice agents for car dealerships at 7-fig ARR in under 1 year with 100+ dealers and 1M+ calls; $17.5M total ($17M a16z Series A Jun 2025) with Lithia/Cox partnerships competing for automotive dealership AI.
About
Toma is a San Francisco-based AI voice agent platform for automotive dealerships — backed by Y Combinator (W24) with $17.5 million in total funding including a $17 million Series A in June 2025 led by Andreessen Horowitz with Y Combinator, Scale Ventures, and angel investor Yossi Levi (Car Dealership Guy) — providing car dealerships with a fully integrated AI software suite that handles inbound and outbound voice calls across service, sales, finance, and IT departments. Surpassing 7-figure ARR in under one year since founding in early 2024, approaching 8-figure ARR, and serving 100+ dealerships across the US with 1 million+ call minutes handled, Toma partners with Lithia Motors and Cox Automotive positioning as the automotive industry's equivalent of Microsoft/OpenAI for dealership voice automation.
Digital retail and F&I financing platform for auto dealers; raised $85M. Enables end-to-end online car buying with lender network integration and OEM programs for 1,000+ franchise dealerships.
About
AutoFi is a digital retail platform for automotive dealerships headquartered in San Francisco, California. Founded in 2015 and having raised $85M in funding, AutoFi enables franchise dealers and OEM programs to offer a complete online car-buying experience—including deal structuring, F&I product presentation, and lender financing integration—directly on the dealership's website. AutoFi's platform bridges the gap between consumer online research and the in-store purchase transaction, allowing buyers to configure a deal, explore finance options, and submit a credit application before ever visiting the physical showroom. The company's lender network and F&I integration capabilities are central to its value proposition.\n\nAutoFi's platform integrates with a wide range of automotive lenders, enabling real-time financing offers to be presented to consumers during the online shopping experience. Dealers can configure which lenders, F&I products, and deal parameters are surfaced, maintaining control over their gross margins while providing transparency to the consumer. AutoFi also supports a dealership showroom mode, where sales staff use the same platform on a tablet or desktop to complete the deal-building and financing process in person, providing a consistent workflow regardless of where the transaction begins. The platform integrates with DMS systems and existing dealer CRM tools.\n\nAutoFi competes with Roadster, Darwin Automotive, and dealer website providers that have built digital retailing modules. Its emphasis on real lender integration and F&I workflow—rather than just online deal-building tools—distinguishes it in a market where many digital retail platforms fall short at the financing step. For dealers seeking to modernize the financing and F&I presentation experience for both online and in-store customers, AutoFi offers a focused solution addressing one of the most complex and highest-margin steps in the vehicle purchase process.
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