Robert Blankenship, the Owner and CEO of Texas Auto Center (“TAC”) emphasizes regarding Customized DFS that:
“The combination of BHPH operational knowledge, financial expertise, predictive modeling and analytics delivers a valuable service unavailable elsewhere”.
Robert adds that:
“Seeing the significant reduction in repossessions – especially the quick ones – enables me to grow my dealership with confidence. Customized DFS assisted us with our purchase of a receivables portfolio by preparing a valuation for our bank and preparing a risk-averse purchase formula”.

At the day-to-day operational level, TAC’s General Manager, Martin Garcia, states pragmatically:“The discipline that the Customized DFS system brings to the data gathering and credit approval function has improved the culture of the dealership and eliminated the emotion from the credit decision. The Customized DFS underwriting predictive model did not require us to change our financing box – but enabled us to be more successful. Salesmen now spend the time required to close the customers that the Customized DFS system has approved, so that sales to good customers are replacing the ‘laydowns’ that resulted in quick repos”.

Doug Feigl, Majority Owner and President of Safe Buy, is looking to grow his dealership significantly, and states: “Now that Safe Buy has teamed up with the strategic, operational and financial expertise of Customized DFS, we have the ability to grow towards the 16 locations that the owner of Customized DFS had in his retailing heyday.
“Further, the long-term funding that Customized DFS is arranging will give Safe Buy the breathing room to grow without having to rely on a bank staying in the BHPH industry or expanding our line of credit to accommodate our expansion.”

Regarding Safe Buy’s operating practices, Doug adds that: “Customized DFS endorsed the strength of the economics and cash flow elements of Safe Buy’s business model, which were made still stronger by our utilizing the Customized DFS underwriting predictive model and detailed analytics, together with implementing their recommended improved collection procedures”.

Owner and CEO, BJ Lewis emphasizes that: “Unlike some firms that criticize an operator and recommend change for the sake of change, Customized DFS congratulated Carizma on its portfolio performance – which has been further enhanced by the Customized DFS underwriting predictive model – while refining our collection procedures.
“Customized DFS used its operational and financial expertise to prepare detailed and realistic projected income statements, cash flow statements and balance sheets to support Carizma’s request for a significant increase in its bank line of credit. We are looking to increase the sales volume of our existing locations and to add other locations. The Customized DFS underwriting predictive model and analytics will provide us with the tools to manage the additional locations as successfully as our existing locations. It is reassuring to know that Customized DFS will be able to arrange long-term funding if our bank exits our industry or reduces its appetite.”

John Adams, Partner and General Manager of 1st Place Auto states that:
“1st Place Auto is a prime example of a one-location dealership benefitting significantly from Customized DFS’ services. Customized DFS analyzed thoroughly each aspect of 1st Place’s operations. Implementation of each Customized DFS recommendation and implementation of its underwriting predictive model resulted in a significant improvement in 1st Place’s profitability and cash flow, as well as making the dealership’s processes more manageable.

“Our sales manager embraced whole heartedly the Customized DFS procedures for approving customers, then placing them in an appropriate vehicle and payment”.