For an independent or buy-here-pay-here dealer, the finance receivable is the asset. Most dealer management systems treat BHPH as a bolt-on module. OG Dealer is designed the other way around — the loan portfolio sits at the center, and inventory, deal desk, and compliance are organized around it.
Incumbents treat BHPH as a feature flag. For most of the dealers we built this for, it's the majority of their recurring revenue. OG Dealer puts the loan portfolio on par with inventory: first-class schema, first-class UI, first-class analytics.
OG Arnie is an assistant that understands your inventory, deals, loan portfolio, and team — not as generic training data, but as the actual records in your database. It's permission-aware, so the answers a salesperson gets are different from the answers an owner gets.
Every deal auto-generates a jacket. Buyer's Guide, Bill of Sale, Title, Odometer, ID, Insurance, Contract — all tracked with received/verified timestamps. Completion % visible so you know what's missing before the customer leaves the lot.
Built-in tracking for state-specific requirements. Never miss a TC-69 renewal. Never get dinged for a late title transfer. Compliance dashboard shows everything expiring in the next 90 days.
Free NHTSA VIN decode. Auto-populate year/make/model/trim. Multi-photo upload. Track purchase price, recon cost, commission splits, and true per-unit profit.
Pending → In Progress → Done. Task types: Inspection, Mechanical, Body, Paint, Detail, Tires, Glass, Electrical. Assign to employees or vendors. Estimated vs actual cost per unit.
Track which lender funded which vehicles. Interest accruing daily. Credit limits, max days, payoff tracking. Know your floor plan exposure in real time.
Geo-tagged time clock, PTO accrual, bi-weekly or monthly runs. Per-vehicle commission with role-based defaults. Multi-role splits (sales, F&I, manager). Paystubs with audit trail.
Link your dealership bank account. Auto-sync transactions. Tag expenses to specific vehicles. Match bank records to manual entries. Real-time cash flow.
Customers log in to view BHPH balance, payment schedule, make ACH payments, book test drives, view their deal jacket. Less phone traffic for you.
Publish inventory to AutoTrader, Craigslist, Facebook, your website — simultaneously. Update once, syncs everywhere. Embeddable showcase widgets.
Separate portal for capital partners. Portfolio tracking, contributions, distributions, bank accounts, analytics. Built for dealers with outside investors.
This isn't a feature-count contest. It's a list of the five places the incumbent vendors demonstrably fall short for the BHPH and independent dealer we designed this for.
Built by people who have sat at the desk, written the check, and watched a BHPH note pay off over thirty-six months. The software should look like the work, not the other way around.