Car Dealers: New Revenue in a Margin-Compressed Market

The automotive industry is facing increasing pressure on margins, making it crucial for dealerships to explore new revenue streams. At DCS, we're helping franchise dealers nationwide, particularly in the subprime segment, transform their businesses with cutting-edge Lease Here, Pay Here (LHPH) and Dealer-Controlled Lending solutions. Powered by advancements in AI and machine learning, our enterprise-level banking technology provides the tools you need to successfully operate a dealer-owned leasing program.

We understand the three key pillars of a profitable LHPH subprime lending model, and our platform simplifies each one:

Select = More Sales

Our AutoLend IQ platform, in partnership with Scienaptic AI, leverages our proprietary LHPH model—refined over four years and millions of dollars in originations—to help you identify the right customers:

AI-Driven Underwriting: Go beyond traditional credit scores to identify quality individuals with low credit scores, assess credit-invisible applicants, and evaluate alternative forms of financial participation.

New Market Opportunities: Expand your reach by qualifying more borrowers while mitigating risk. Tap into the potential of customers with low scores, no scores, and ITINs.

Data-Backed Decisions: Utilize machine learning to quickly capture and interpret complex risk patterns from your portfolio and our extensive network of dealer partners.

Collect = More Revenue

Take complete control of your auto leasing collections with our cloud-based, intuitive module. Whether you manage your portfolio in-house or partner with Alamo Financial, DCS automates your processes for maximum compliance and efficiency:

Compliance-First Approach: Ensure every step in your collections cycle adheres to state and federal regulations.

Enhanced Efficiency: Leverage integrated tools that minimize manual intervention and reduce potential errors, freeing your team to focus on strategic, high-value tasks.

Improved Customer Experience: Provide clear and consistent communication to build trust, encourage timely payments, and foster long-term customer relationships.

Protect = Retention

Safeguard your investments with PassTime GPS, fully integrated into DCS:

Asset Security: Gain real-time visibility into vehicle locations to minimize losses and reduce delinquency.

Automated Alerts: Receive immediate notifications on vehicle status, enabling swift action when necessary.

Portfolio Confidence: Enhance compliance, limit risk, and ensure peace of mind across every loan.

These three pillars—Select, Collect, and Protect—work seamlessly within the DCS platform, providing a turnkey solution for your dealership’s LHPH operations. By harnessing cutting-edge AI and a proven model, DCS empowers you to unlock new revenue streams, minimize default rates, and responsibly serve a broader customer base.

Ready to learn more? Let's connect and show you how DCS can help you Select, Collect, and Protect—all in one place.