The DCF Consulting Group

Constellation’s DCF Consulting Group provides top tier consulting services to new and existing dealerships in the dealer controlled finance industry. It starts with us assessing your business and identifying ways to increase your profitability.

We then train you and your staff on proven practices and procedures designed to optimize your unique business. We will continue to support your business by quantitatively tracking your business’s progress. We provide you ongoing detailed reports and analysis of your performance and work with you to make sure strategies are being implemented and to continually refine and improve your business. Constellation’s staff has a combined total of 100+ years of dealer experience including software, training and hands-on dealership operation. Our experience, combined with our comprehensive training and consulting services, means we can provide a turn-key start up solution for new dealerships and can help existing dealerships maximize their market potential and increase profits and cash flow. DCF Consulting Services consistently pay for themselves in increased profitability and cash flow.

Dealer financed auto sales have been in existence since 1915. The term Dealer Controlled Financing encompasses all of the various financing options available to dealers who wish to provide their own financing for their customers including Buy Here – Pay Here, Lease Here – Pay Here or Rent-To-Own.

Constellation’s DCF Business Model or DCF is a combination of the best practices for sales, collections, inventory, operations and compliance. Constellation’s Dealer Controlled Financing Program was developed by car people for car people.

The keys to success in our DCF business model are simple:

• Place more value in the customer than the vehicle. 90% of DCF customers are honest, hardworking individuals and deserve to be treated as such.
• By caring more about where your customers are going than where they have been, you’ll experience fewer headaches, greater repeat and referral business and higher long-term profit margins.

There are tremendous opportunities in the Poor Credit financing market. Current studies show that almost 70% of adults have issues that adversely affect their ability to secure credit. The DCF Business Model provides the knowledge, the training and the support needed to achieve success in the Dealer Controlled Financing business.

THE DCF BUSINESS MODEL

• Provides written policies and procedures, sales techniques & collection methods.
• Trains dealer staff in the proper way to follow the policies, procedures, selling system and collections methods.
• Provides the guidelines to set up the physical operations for maximum efficiency.
• Provides the underwriting guidelines and suggested price points and loan terms to optimize cash flow and Return on Investment.

Typical DCF Results

Average Charge Off Rate 14% of Sales
Projected Positive Cash Flow at 9-13 Months
Initial Investment Recovered at 24-30 Months
250-300% Annual ROI at 5 Years

THE DCF PROGRAM

When you let Constellation guide you to success, you get a turn-key package that works for a new start-up as well as for an existing business seeking better financial results.

The Constellation DCF Difference • Commitment • Personnel • Control • Taking Responsibility For The Customer • The Car • Interest Rate • Gross Profit • Deal Structure

Areas of Training • Operations • Inventory • Sales • Collections • Marketing • Compliance

Program Contents

• Complete Cash Flow & Business Projections
• Written DCF Policies & Procedures
• Manager Training Course
• Dealership Associate On-Lot Training Program
• Seminars & Webinars

DCF CONTINUING SUPPORT

The DCF Consulting Group offers several plans to provide you with the on-going support to best meet your needs. Those services may include:

• Unlimited calls to consultants to get help when you need it.
• Unlimited access to training classes and materials.
• Weekly services:

• Extracting your data and delivering you reports on your performance.
• Summary of Goals and Objectives
• Business review and areas of attention.
• Owner/Manager Conference Call
• Data reporting identifying positive and negative trends in your business.
• Training Topic that focus on one key business area.

• Monthly reporting comparing your performance against your peers.
• On-Site Lot Inspections.

The DCF Consulting Group can provide the reports needed to discover and understand historical patterns with an eye to predicting and improving your business.

• Monthly Composites
• Charge-Off Analysis
• Cash Flow Projections
• Vehicle Make & Model Studies
• Zip Code Analysis

Screenshots:

Click image to open.

DCF Monthly Composite

Don Miller

Mr. Miller currently supervises Constellation’s DCF Consulting Group and, as a Senior Consultant, Don’s duties include data analysis, phone consulting, on-lot inspections and DCF training for client dealers across the nation. Don is proficient with analytical tools and continues to develop new and improved data analysis tools as well as providing the monthly DCF Composites. Mr. Miller spent the last 8 years as a consultant for CarBiz USA, Inc., supervising the consulting operation for the past 5 years. Don has been in the automotive industry since 1987. Prior to joining CarBiz, Mr. Miller enjoyed a successful career in automotive management, in both the sales and finance departments. Don was a specialist in Secondary Financing and Sales Training.

Al Mosher

Al provides Buy Here-Pay Here consulting for independent dealers across the country which includes data analysis and inspections of individual locations. Al has over 25 years experience in the auto industry; having served in both sales and finance management at new car stores before spending the last 10 years as a Manager, General Manager and consultant in the Buy Here – Pay Here industry. Al worked as a consultant for CarBiz beginning in 2000 and joins Constellation’s DCF Consulting Group after having spent the last 3 years as General Manager of a multi-store operation in Illinois.