DCS Captive-in-a-Box | ROI Calculator

Step 1

Your deal assumptions

Deals per month

575

Average sale price

$15,000

$8K$35K

Average down payment

15%

5%35%

Credit line coverage

80%

60%90%

Model assumptions
Customer APR: 21% · Avg term: 24 mo
Cost of funds: 8% · Loss provision: 6%/yr
Net spread: 13% · Origination fee: $495/deal

ROI on equity = annual net income ÷ dealer's cash deployed (portfolio funded by credit line; dealer contributes the balance).

            
          
36-month total profit
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cumulative net income

Steady-state monthly

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net income after month 24

Peak portfolio size

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active receivables

ROI on dealer equity

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annualized · after credit line costs

Your captive portfolio growth

Month-by-month projection over 36 months

Cumulative profit

Portfolio balance

Profit snapshots by horizon

See where you stand at any milestone

Cumulative profit

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Portfolio balance

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Monthly income

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Deals originated

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Interest earned

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Net margin

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