BHPH Profitability Calculator
Model front-end cost, collections, line interest, repossessions, and ROI in under a minute. Share the link with your sales and accounting teams as a lightweight “utility” resource that outranks static directory listings.
Plug in how you acquire, price, and structure each retail installment contract.
Includes cash + trade equity collected upfront.
Model delinquency and recovery so you know exactly how much working capital is on the line.
Percentage of accounts that default and require repossession.
Percentage of remaining principal you recover after fees and reconditioning.
Quantify line-of-credit interest plus collection expense per account.
Weighted rate on your floorplan, LOC, or securitization.
Collections, skip tracing, and outbound call center expense per account.
Weighted between performing and repo accounts.
Show your team why underwriting discipline moves the needle.
Turn the math into a talking point for your next lender or buyer meeting.
Break-even down payment
Collect at least $0 upfront to stay cash-neutral on day one.
- Down payments are $8,350 short of covering cost + recon on day one.
- Annualized ROI is below 20%. Rework pricing or cost of funds to stay ahead of floorplan costs.
When to use this calculator
Replace the napkin math your collectors and finance managers use with a transparent, editable model. It is ideal for:
- Evaluating new inventory segments (late-model vs. high-mileage units).
- Stress-testing how different repo assumptions impact monthly cash flow.
- Justifying higher down payments or GPS/kill-switch investments.
- Training newer BHPH managers on capital costs and portfolio risk.
Need deeper modeling?
DealerClick’s DMS tracks every payoff schedule, late fee, and cost of funds inside the same system where you desk deals. Connect the calculator to real ledger data, automate notices, and see capital consumption per rooftop.