The Dealer Controlled Financing Philosophy

The Key to DCF's success is simple: Place more value in the customer than the vehicle; 90% of Dealer Controlled Financing customers are honest, hard-working individuals. By caring more about where your customers are going than where they've been, you'll experience fewer headaches, greater repeat and referral business, and higher long-term profit margins.

	In Dealer Controlled Financing the money for the sale of a car will not be paid at the time of delivery. The total cost of inventory is not recovered at the time of delivery and all profit is forthcoming. The dealership’s money is on the street. With DCF the dealership is in control of the terms of the sale. The deal cannot be conditioned or turned down by an outside source. Every sale is a spot delivery. Any car can roll at any price-on any terms. Dealerships can realize 150% returns on their investment, in a short time frame. This business is true competition.   There are no state laws preventing the opening of additional lots or a manufacturer controlling the supply of inventory. There is no credit buyer taking money out of your pocket. With DCF the dealer is in control of every key in the system.
Dealer Controlled Financing is a balance between policy and innovation. If there is no policy, there is no control. If there is no innovation, every customer is a non-creditworthy reject. Many methods that are unacceptable to traditional finance companies are standard operating procedure in the DCF business. For example, special payments are a violation of the terms of sale on a finance contract submitted to GMAC. In the DCF business; however, special payments are an excellent way to achieve lower amounts riding early in the contract. There is no limit on the agreement that can be made with the customer. However, those agreements must be able to be audited and controlled. The amount of down payment, length of contract, amount of interest, trade policy, special payments, re-contracting, mechanical failure, repurchase, etc., are questions that must be answered. A policy must be established for these and other questions. But, you also must allow for new ideas.
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