Prevent the loss before it lands.Trade over-allowance, watched daily.
Vehicle AI tracks every trade against ACV, calculates your daily over-allowance rate, and surfaces drift before the pattern becomes a month-end variance. Coach the desk in real time, not at month close.
- Step 1 of 3
Every trade gets an ACV check.
Appraised value against ACV references, as the trades close.
- Step 2 of 3
The rate moves, and NEON catches it.
Over-allowance went from 13.3% to 25.0% in 30 days, surfaced before month-end.
- Step 3 of 3
The worst trades become the coaching list.
Vehicle, sold-for and over-by: real evidence for the conversation with the desk.
Your desk managers don't know the over-allowance rate until accounting tells them.
Every trade is a judgment call. Trade over-allowance — where the appraisal exceeds ACV — happens every week at every store. A few hundred dollars over on a popular Rogue, a few thousand over on a soft-market luxury. Individually defensible; in aggregate, a margin leak.
Most dealerships see the over-allowance rate when accounting reconciles at month end. By then your desk team has already developed the habit. The fix isn't a quarterly coaching session — it's catching the drift on day 3, not day 30.
From signalto action.
- Step 1 · Step 1
Every trade gets a daily ACV check.
As trades close, Vehicle AI compares appraised value against ACV references (Black Book, MMR, your historical wholesale data). Over-allowance gets calculated per trade, per desk manager, per segment.
Over-Allowance Rate (30D)25.0%prior 30d: 13.3%Δ pts vs prior 30d+11.7 pts16 trades · $3,050 given upWorst Over-Allowances2026 NISSAN ROGUE$33,800+$20002026-04-042026 NISSAN ROGUE$35,200+$5002026-04-252025 NISSAN MURANO$41,399+$3002026-03-302026 NISSAN KICKS$32,525+$2502026-04-23 - Step 2 · Step 2
Weekly over-allowance rate trend, with the alert.
When your rate jumps materially (e.g., 14% → 23% in 30 days), it surfaces as a Margin Leak proactive insight on your morning Command Center. Not buried in a monthly variance report.
Good morning, Mike
Here's your dealership overview
Inventory is at 238 active units (200 new, 38 used) with an average 82 days on lot.
New200▲ 12Used38▼ 7New DOL92— 0Used DOL30▼ 8Proactive IntelligenceMargin Leak: Trade over-allowances jumped 9 pointsOver-allowance rate climbed from 14% to 23% in just 30 days. You've surrendered $3,800 in front-end gross to loose appraisals. Coach the desk before next month repeats.SALESmediumCapital Trap: $1.6M tied up in overstocked RoguesNew Rogues are 36% of inventory value but only 15% of recent sales — a 20-point imbalance strangling cash flow. Dealer trade or aggressive lease push to rebalance.INVENTORYmediumMissed Opportunity: INFINITI QX60 inventory running dryYou moved 21 QX60 units last month and are down to your final 7 — 10 days of supply at current pace. Secure additional inventory before you lose front-end gross.INVENTORYmedium - Step 3 · Step 3
Worst-trade drill-down for coaching.
Each over-allowance flag links to the trade: vehicle, sold-for, over-by, desk manager, date. Real evidence for the coaching conversation — not an abstract trend. Your used car manager can intervene specifically on the patterns that matter (Rogues at +$2K, Murano at +$300).
Good morning, Mike
Here's your dealership overview
Inventory is at 238 active units (200 new, 38 used) with an average 82 days on lot.
New200▲ 12Used38▼ 7New DOL92— 0Used DOL30▼ 8Proactive IntelligenceMargin Leak: Trade over-allowances jumped 9 pointsOver-allowance rate climbed from 14% to 23% in just 30 days. You've surrendered $3,800 in front-end gross to loose appraisals. Coach the desk before next month repeats.SALESmediumCapital Trap: $1.6M tied up in overstocked RoguesNew Rogues are 36% of inventory value but only 15% of recent sales — a 20-point imbalance strangling cash flow. Dealer trade or aggressive lease push to rebalance.INVENTORYmediumMissed Opportunity: INFINITI QX60 inventory running dryYou moved 21 QX60 units last month and are down to your final 7 — 10 days of supply at current pace. Secure additional inventory before you lose front-end gross.INVENTORYmedium - Step 4 · Step 4
Ask the chat about appraisal patterns.
"Which desk manager has the highest over-allowance rate this quarter?" "Which segments are we systematically over-allowancing?" "How does our discipline compare to last year's first quarter?" Chat reasons across closed trades, ACV references, and desk-manager attribution.
analyze the price to market of all of my used inventory. where are my biggest opportunities for improvement?
Used Inventory P2M DistributionLowIn-LineHighNo Data47 active used units. Three distinct areas of opportunity: 12 underpriced units could capture margin, 10 overpriced units risk aging.
Everything traceable.Your team approves everything.
- Your DMS trade-in records (acquisition price, ACV, sold-for)
- Black Book / MMR for ACV references and segment benchmarks
- Historical wholesale data from your own auction sales
- Desk-manager attribution from your DMS deal records
- Set per-segment over-allowance thresholds (% over ACV, $ over book)
- Configure which desk managers and segments get coaching alerts
- Approve / dismiss flagged trades; system learns from dismissals
- Audit log: every flagged trade with appraisal vs ACV breakdown
What your team should expect to see.
Share of trades appraised meaningfully above ACV. The leading indicator we watch weekly.
Cumulative dollar value of over-allowance across the period — the size of the leak.
Spread between best and worst desk managers' over-allowance rates. Where coaching matters.
Illustrative figures from a worked example store · not customer results
The product surfacesbehind this use case.
See your trade discipline trend this week.in your store this week.
We connect to your data, run the analysis, and walk you through what we find. Thirty minutes.
No commitment·We do the setup·Your data stays yours