Financial Intelligence  ·  GM & Owner Module

Know your cash position
30 days before your bank does.

Most GMs find out about a cash crunch when the floorplan comes due. Louie surfaces it 30 days earlier — so you can move units, hold submissions, or draw from reserves before it becomes an emergency.

See it live in the platform → For GMs →
30
Days early warning
Before curtailment triggers
6
Components tracked live
Floorplan to chargeback reserve
$96K
Sample 30-day forecast
Net working capital, surfaced daily
1
Number at the end
Your cash in 30 days. No spreadsheet.
The real problem

Six places your cash disappears before you notice

Every one of these has a dollar amount attached. None of them get a line item on the daily desk log. By the time the GM feels the squeeze, it's already a crisis.

Floorplan principal hits without warning

Curtailment triggers vary by lender, by age, by model. Most GMs track this on a spreadsheet that's already three days behind.

Louie: curtailment schedule updated nightly, 18-day spike flag auto-surfaced

Contracts-in-transit sit unreported for days

Funded deals in the pipeline are real receivables — but they're invisible until the check clears. That gap creates a false picture of available cash.

Louie: every CIT tracked with expected funding date and lender lead time

Holdback receivable never tracked to calendar

OEM holdback is guaranteed money — but it arrives quarterly, and most stores estimate it rather than modeling it to the payment schedule.

Louie: holdback by model, auto-updated from OEM cadence, calendar-accurate

Chargeback reserve risk grows invisibly

Every F&I product sold creates a potential chargeback exposure window. As volume grows, so does the reserve risk — silently.

Louie: chargeback reserve modeled forward 90 days from product mix and cancellation rate

Parts payable builds without a daily roll

Parts invoices stack between reconciliation cycles. The GM doesn't see the total until it's due — and it's always larger than expected.

Louie: parts payable rolling 7-day projection, updated from parts invoices automatically

Cash crunch discovered when it's already a crisis

The GM gets the call at 4pm on a Thursday: the floorplan draw exceeds available CIT. The only options are bad, worse, and panicked.

Louie: 30-day net working capital forecast — the crunch is a calendar event, not a surprise
The six components

Every dollar in, every dollar owed

Cash Position Live pulls six live data streams into a single 30-day forecast. Each component updates daily. The forecast number is always current — not last week's reconciliation.

💳
Module 1
Floorplan Balance
Total principal outstanding with curtailment schedule per unit. Spike risk flagged 18 days in advance — enough time to move units before the trigger hits.
📤
Module 2
Contracts-in-Transit
Every funded deal in the funding pipeline with lender name, expected payment date, and days-in-transit. Live receivables, not estimates.
🏦
Module 3
Holdback Receivable
OEM holdback by model line with payment calendar. Auto-updated from deal funding — no manual entry, no quarterly guesswork.
⚠
Module 4
Chargeback Reserve Risk
F&I product chargeback exposure modeled 90 days forward from product mix, deal age, and historical cancellation rates. The silent liability, made visible.
📦
Module 5
Parts Payable
Outstanding payables to parts vendors with rolling 7-day projection. Updated from parts invoices automatically — not from memory.
📊
Module 6
Net Working Capital Forecast
One number: available cash in 30 days. All six components summed. Updated every morning before the GM's first coffee. No spreadsheet required.
Live platform view

What the GM sees every morning

This is the actual layout inside the platform. No charts, no dashboards — just the number and the flag. The GM knows in 10 seconds whether cash needs attention today.

Net Working Capital — 30-Day Forecast  ·  Updated 6:58am
Floorplan balance outstanding - $1,247,000
Contracts-in-transit (funded, pending) + $84,000
Holdback receivable (due Aug 15) + $24,000
Chargeback reserve risk (90-day model) - $12,000
Parts payable due this week - $31,000
30-Day Net Working Capital Forecast $96,000
⚠ Curtailment spike risk in 18 days — 6 units hitting trigger threshold Aug 12. Recommend moving 3 priority units (stock #A4712, #A4819, #A5003) before Aug 9. Est. freed capital: $38,400.
Before & after

Running your store on a 30-day forecast

Cash event Without Louie With Cash Position Live
Floorplan curtailment Found out on due date Flagged 18–30 days early
Contracts-in-transit No tracking — assumed funded Live pipeline with expected funding dates per lender
Holdback receivable Estimated quarterly from memory Auto-updated from deal mix, calendar-accurate
Chargeback reserve Not tracked — surprise deductions Modeled 90 days forward from F&I product history
Parts payable Reconciled monthly or when urgent Rolling 7-day projection, updated automatically
Cash crunch response Emergency mode — limited options Planned response with 30 days of lead time
Financial intelligence, one-time license

Every dealer has a cash position.
Most don't know theirs.

Cash Position Live is one of 220+ modules inside the LouieAuto platform. $19,995 one-time — the software runs on your server, not ours. No monthly fee, no vendor dependency, no surprise deductions from someone else's billing system.

See the platform → For General Managers → For Owners →