DCS Captive-in-a-Box | ROI Calculator

Step 1

Your deal assumptions

Deals per month

575

Average sale price

$15,000

$8K$35K

Average down payment

15%

5%35%

Credit line coverage

80%

60%90%

Model assumptions
Customer rate: 22% · Lease term: 24 mo
Residual: 35% of MMR · Cost of funds: 8%
Net credit loss: 5%/yr · Origination fee: $495/deal
GPS: $75/veh/mo · Ancillary: $55/veh/mo

ROI on equity = Year 3 net income ÷ dealer's cash deployed (peak AR funded by credit line; dealer contributes the balance).

            
          
36-month total profit
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cumulative net income

Year 3 annual income

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fully matured · months 25–36

Total accounts receivable

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payments + residual on books

ROI on dealer equity

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cash-on-cash · Year 3 income ÷ equity

Your captive portfolio growth

Month-by-month projection over 36 months

Cumulative profit

Portfolio balance

Profit snapshots by horizon

See where you stand at any milestone

Cumulative profit

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Portfolio balance

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Monthly income

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Active vehicles

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Interest earned

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Net margin

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