How It Works
From raw lot data to lender-ready risk score.
OneLot pulls auction results, registration transactions, and lot-observation signals, runs them through model-level scoring engines, and surfaces a per-dealer risk view your credit team can act on today.
Step 1
Data collection
Three independent data feeds build a complete picture of how a dealer actually moves inventory.
Auction results
Every vehicle sold through partner auctions is logged with sale price, lot number, model, and recovery-to-book ratio. This forms the residual value baseline for each make-model combination a dealer carries.
Registration transfers
Title transfer records confirm when ownership actually changes hands. Paired with the lot entry date, each transfer yields a precise days-on-lot figure that does not depend on dealer-reported data.
Lot observation signals
Periodic lot-level checks flag units that appear stale, vehicles returned from buyers, and inventory additions that precede a credit-line review. These signals feed directly into aging calculations.
Step 2
Model-level scoring
Scores computed per make-model combination, not rolled up into a single dealer-level number that hides the composition.
Turnover velocity computed per model
Each make-model combination tracked in a dealer's lot gets its own average days-on-lot figure, calculated from confirmed registration transfers over a rolling 90-day window. A dealer's Toyota Corolla turnover is separate from their Isuzu D-Max turnover.
Residual value band assigned from auction data
Auction results for each make-model-age combination define a residual value band: expected recovery as a percentage of current book value. Bands are updated monthly as auction data accumulates. Models with thin auction data fall back to a conservative category band.
Lot-level risk score derived from both inputs
The lot-level risk score combines turnover velocity and residual value band into a single risk rating per model category. A model that turns quickly and recovers well at auction is LOW risk. A model that sits 60 days and recovers below book is HIGH. The per-model scores aggregate into a dealer-level distribution your analysts can drill into.
Step 3
Lender-ready output
The scoring output is structured for direct use in credit reviews, field audit prep, and portfolio monitoring.
| Make / Model | Units on lot | Avg days on lot | Recovery to book | Risk tier |
|---|---|---|---|---|
| Toyota Vios | 14 | 18 | 94% | LOW |
| Honda City | 9 | 31 | 88% | LOW |
| Mitsubishi Xpander | 7 | 44 | 79% | MED |
| Isuzu D-Max | 11 | 68 | 71% | HIGH |
| Ford Everest | 5 | 82 | 65% | HIGH |
See it applied to your portfolio.
Book a 30-minute walkthrough and see how your current dealer exposures score against the OneLot model.