Special Report on
Special Finance Managers
Special Finance Managers - Trends
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Ever heard that phrase said before? Me too, but on both ends of the spectrum. I am speaking not from what I have witnessed over the past year and a half but also from personal experience. We didn’t want that kind in our store either….the good credit customer that is. That’s right, I said it and many “Special Finance Dealers” are realizing the tragic mistake of using that same phrase. We didn’t want to see a good credit customer. We wouldn’t take a $1500 gross profit. When I was the Finance Director for one of the largest and most respected “Special Finance Dealers” in the ...
Misrepresenting the customer’s income and overlooking non-standard pay stub debt may cause your car deal to be held up in funding. Often subprime lenders will charge additional fees to fund these deals, other times they will reject the car deal and return the contract unfunded to the dealership. You want to optimize the income, but I recommended that you are a little conservative in this area. When in doubt concerning income, fax the documentation to the special finance lender and walk through the calculations together. Types of Income There are three primary types of income, ... Read More
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