Automotive Dealerships
Banks, financiers and insurers owe the dealership a commission on every financed or insured deal, and the payouts come late, in lumps, with statements nobody reconciles deal by deal, so earned commission is quietly left on the table. The finance commission runs a meaningful slice of the financed amount and insurance payouts have averaged a meaningful share of premium (reported industry figures), and on a high-volume dealership the un-collected slice is real money. This is the deal-recording-and-reconciliation engine; the recovery sweep it powers is the leak and recovery detection build. Month-end and statutory reconciliation is heroic, manual and late: commission earned versus paid by financier and insurer, books versus bank, GSTR-2B versus purchase register, and for a parts counter the marketplace settlement versus orders. Breaks are found by accident or by the auditor.
Who has it
Commission reconciliation is the signature case for car and passenger-vehicle dealers, two-wheeler and tractor dealers, and commercial-vehicle and EV dealers (fleet financing); settlement reconciliation applies to spare-parts and accessories counters. It is lighter for independent workshops, which carry less finance and insurance commission.
What we build
A clean record of every deal with the commission it should earn (by financier, by insurer, by product), matched deal-by-deal against what was actually paid in the payout statements; the gaps surface automatically with a clear list to chase, and the payout reconciliation runs every cycle instead of never. Rule-based matching keyed on deal, invoice, amount, date and GSTIN, returning a clean break list: commission deal-by-deal, GST input credit, settlement short-pays, books versus bank, kept deterministic because it must be defensible.
What is automated, where AI helps, who signs off
The reliable spine
The reliable spine is non-AI: a clean record of every deal with the commission it should earn, matched deal-by-deal against the payout statements by rule-based matching keyed on deal, invoice, amount, date and GSTIN, kept deterministic because the break list must be defensible.
Where AI helps
AI helps read each financier's and insurer's payout statement and align a payment line to the deal it belongs to; the matching rules, the break list and the figure to chase stay deterministic and owned by a person.
Who signs off
A named person signs off anything touching money, stock, a customer promise, a regulated filing, a payment, a price, a credit decision or a people decision.
What changes day to day
Earned commission that was simply never collected gets collected; the payout reconciliation runs every cycle. Illustrative: a car dealership built a deal-by-deal reconciliation that read each financier's payout statement and matched it to the deal, and recovered finance and insurance commission that had never been collected. Illustrative; final numbers come from your own data.
Illustrative outcome
Earned commission that was simply never collected gets collected; the payout reconciliation runs every cycle. Illustrative: a car dealership built a deal-by-deal reconciliation that read each financier's payout statement and matched it to the deal, and recovered finance and insurance commission that had never been collected. Reconciliation runs nightly instead of at month-end; commission gaps, settlement short-pays and GST breaks surface in days. Illustrative; final numbers come from your own data.
Illustrative; final numbers come from your own data.
Path to the build
Book a free 60-minute call, then a free Blueprint on the firm's own records. Deep-dive and build, followed by run and govern so the workflow keeps paying back.
Related builds
A free 60-minute call. No cost, no obligation, just a clear read on what is worth building.