For Lenders
Price floor plan credit on what is actually moving.
Quarterly audits give you a snapshot of what dealers say they have. OneLot gives you a continuous view of how fast they are actually selling it.
The gap in current practice
Quarterly audits miss most of the risk.
A credit line set in January against January inventory is exposed to whatever happens between then and the next review. That gap is where losses originate.
Stale collateral data
A dealer can hold 40 units for three months with no audit trigger. The credit line stays at the same size while the actual recovery value of the collateral declines as units age.
No model-level visibility
Aggregate dealer counts obscure composition. A lot with 20 Toyota Vios and 20 Ford Everests has entirely different risk than a lot of 40 fast-moving sedans. Current tools cannot separate them.
Late default signals
By the time a dealer shows stress in payment behavior, the collateral may already be significantly impaired. Inventory aging signals default risk 30 to 90 days before payment disruption appears.
What OneLot gives you
Continuous lot intelligence, structured for credit decisions.
Per-model turnover velocity
Each make-model combination at each dealer has its own average days-on-lot computed from confirmed transfer records. Drill from the portfolio level down to the individual model category without touching the dealer's own records.
Recovery-to-book bands
Auction data defines the expected recovery rate for each model-age combination in the Philippine market. When a dealer carries models with consistently low recovery bands, their credit line deserves a different structure than a high-recovery portfolio.
Portfolio-level alerts
Set thresholds for days-on-lot and recovery-to-book across your portfolio. When a dealer crosses your alert criteria, your team sees it before the next scheduled review rather than after the next audit confirms the damage.
Credit-review ready exports
Structured data exports formatted for direct use in credit review workflows: per-dealer risk summary, model-level score distribution, and trend lines showing whether a dealer's turnover profile is improving or deteriorating.
Integration
Fits into your existing credit workflow.
OneLot does not replace your credit model. It feeds it with better collateral data.
Connect your dealer portfolio
Provide your dealer list and coverage map. OneLot begins collecting lot-level signals and building baseline turnover profiles for each dealer within the first billing cycle.
Review the risk dashboard
Access the lender dashboard showing each dealer's current lot-level risk rating, days-on-lot by model, and recovery-to-book bands. Updated at intervals you configure.
Act on alerts before the audit
When a dealer's turnover velocity drops below your threshold or aging inventory exceeds a defined percentage, your credit team receives an alert so reviews happen proactively rather than on the post-incident schedule.
Ready to see your portfolio scored?
Book a 30-minute walkthrough with our team. Bring your dealer list and we will walk through what OneLot would surface on your current portfolio.