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FINANCIAL MANAGEMENT FOR DEALERSHIPS

Vehicle margin still lives in spreadsheets?

Mitra connects your DMS and builds the financial system your dealership needs: vehicle margin, floor plan control and multi-store P&L — all powered by AI.

Automotive dealership showroom
R$ 300 bi BR auto market
+300 companies
35% less floor plan cost
+0
companies already building and operating with Mitra
JS Peças
Grupo Real
HP Transportes
Saga
Unimed Curitiba
BemBrasil
Sankhya
Start
Cemig Saúde
Piracanjuba
THE AUTOMOTIVE FINANCE CHALLENGE

The dealership still manages margin in spreadsheets

Brazil's automotive market moves R$ 300 billion per year. But in the finance departments of groups with 2, 5, 12 stores, reality is different: vehicle margin calculated in Excel, uncontrolled floor plan and consolidated P&L with numbers from weeks ago.

1-3%
typical net margin on new vehicles — any mistake eats the entire profit
45+ days
average floor plan inventory — every extra day erodes the vehicle margin
5+ sources
of revenue per store: new, used, F&I, after-sales, parts — hard to consolidate

Vehicle margin calculated after the sale

Factory bonuses, holdback, floor plan and salesperson commissions change with every deal. By the time real margin shows up, it is too late to adjust.

Direct margin impact

Uncontrolled floor plan across stores

Each store has its own inventory, its own lender and its own spreadsheet. The floor plan cost only shows up consolidated at month-end — when the money is already gone.

Constant rework

Multi-store P&L consolidated by email

Each store sends its version of results. Someone consolidates in Excel. By the time it is done, numbers have already changed. The group does not know real profitability.

Governance risk

Multiple revenue sources without visibility

New, used, F&I, after-sales, parts, accessories — each revenue in a different system. Without consolidation, the CFO does not know where the real profit is.

Decision without data
HOW MITRA SOLVES IT

From DMS to financial management in days

Mitra connects your dealer management system, builds a custom tool and deploys AI agents to operate it. Your dealership finance stops being reactive and becomes predictive.

01

Connects to DMS

Integrates with DealerNet, Syonet, NBS, Reynolds and Reynolds and automotive databases. Real-time reading of sales, inventory and F&I.

DealerNet Syonet API REST
02

Builds Custom

Describe what you need and Mitra generates: vehicle margin, multi-store P&L with drill-down, floor plan dashboard. Governance from day 1.

Vehicle margin Multi-store P&L Floor plan
03

Operates with AI

Digital Workers execute multi-store consolidation, calculate vehicle margin and sync with the DMS. No human intervention, no manual errors.

Automatic consolidation Multi-store Sync DMS
04

Monitors and Alerts

Agents monitor vehicle margin, detect stagnant inventory and send floor plan alerts before financial costs spike.

Margin alerts Stagnant inventory Automatic reports
WHAT CHANGES IN YOUR DAILY ROUTINE

Results in dealership finance

Multi-store governance

Each store, department and cost center with access control, history and audit logs. No more unowned spreadsheets.

Full audit on 100% of entries

Intelligent floor plan management

Dashboards per store with average inventory in days, daily financial cost and stagnant vehicle alerts. Straight from the DMS, updated in real time.

-35% in floor plan cost

Automation with AI

AI agents consolidate P&L from all stores, calculate real margin per vehicle and generate automatic reports. No manual intervention.

From 3 weeks to 2 days

Native DMS integrations

DealerNet, Syonet, NBS, Reynolds and 50+ systems connected via API. Sales, F&I and after-sales data flows from DMS to Mitra and back.

Zero manual data entry between systems

Vehicle margin in real time

Factory bonuses, holdback, commissions, floor plan and accessories — all computed automatically. Real margin per unit sold, not per lot.

+22% in F&I margin per vehicle

Multi-store consolidation in minutes

P&L, cash flow and KPIs from all stores consolidated automatically. No email, no final_version_v3_revised.xlsx.

Consolidation of up to 12 stores in real time
NEXT STEP

Want to see how it looks with your operation's data?

Personalized demo for dealerships. No commitment.

WHAT YOU BUILD WITH MITRA

Financial systems built for dealerships

Margem

Vehicle Margin

Real margin per unit sold considering factory bonuses, holdback, floor plan, commissions and accessories. New and used with drill-down by store.

Factory bonuses Holdback Commissions By store
Margem por Veiculo ABRIL/26
MARGEM MEDIA R$4,2k +12% vs mar
VEICULOS VENDIDOS 347 novos + usados
MARGEM TOTAL R$1,46M +8,5% vs mar
ModeloPreco VendaBonus Fab.HoldbackMargem Liq.%
Onix Plus LTZR$98.500R$3.200R$1.800R$5.2405,3%
Tracker PremierR$147.900R$4.800R$2.100R$7.8905,3%
S10 High CountryR$262.000R$8.500R$3.900R$12.6404,8%
Montana LTZR$178.500R$5.100R$2.600R$3.1201,7%
Spin Premier (Usado)R$72.000-R$1.200-1,7%
Floor Plan

Floor Plan Control

Average inventory in days per store, daily financial cost, stagnant vehicle alerts and lender integration. Reduce working capital cost.

Inventory in days Daily cost Alerts
Floor Plan — Estoque 3 ALERTAS
EST. MEDIO 39d
CUSTO/DIA R$47k
GIRO 9,2x
PARADOS >60D 28
Estoque em dias por loja
Chevy Goiania C.
28d
Ford Goiania
35d
VW Caminhoes GOI
41d
John Deere Jatai
51d
Chevy Uberaba
67d
ALERTA
Montana prata #4821 — 73 dias parado
ATENCAO
12 veiculos acima de 50 dias na Chevy Uberaba
F&I

F&I Dashboard

Financing, insurance and extended warranty revenue per vehicle and per store. F&I penetration and margin by product.

Financing Insurance Penetration
Dashboard F&I +22% penetracao
RECEITA F&I R$890k
PENETRACAO 68%
MARGEM/VEI. R$2,6k
PRODUTOS 4,2
Receita por produto F&I
R$380k
Financ.
R$245k
Seguro
R$158k
Gar. Est.
R$72k
Acess.
R$35k
Consorcio
Top Vendedor F&I
Carlos Mendes
Chevy Goiania C. — 82% penetracao
Loja Destaque
Aurora Ford Goiania
R$4.180/veiculo
KPIs

Dealership KPIs

Gross margin, inventory turnover, F&I penetration, average after-sales ticket and profitability by department — all in one dashboard.

Inventory turnover Avg. ticket Profitability
KPIs Consolidados — Rede REAL TIME
Margem Bruta
18,4%
+1,2 p.p. vs mar
Giro Estoque
9,2x
meta: 10x
Penetracao F&I
68%
+22% vs ano ant.
Ticket Pos-venda
R$1,8k
+6% vs mar
Absorpcao PV
72%
meta: 80%
Rentabilidade
8,1%
acima do target
TREND 6M
+31%
Orcamento

Multi-Store Budget

Consolidated budget planning for dealership groups. Scenarios, approval by store and automated month-over-month comparison.

Scenarios Approval Consolidation Comparison
Orcamento Multi-Loja 2026 Q2 2026
LojaOrcadoRealizadoDesvioStatus
Chevy Goiania C.R$4,8MR$5,1M+6,2%APROVADO
Ford GoianiaR$3,8MR$3,6M-5,3%REVISAO
VW Caminhoes GOIR$5,2MR$5,4M+3,8%APROVADO
John Deere R.V.R$4,1MR$3,2M-22%ALERTA
Chevy UberabaR$2,6MR$2,4M-7,7%REVISAO
Cenario Otimista
R$22,4M
+8% vs atual
Cenario Base
R$20,7M
consolidado rede
Cenario Conserv.
R$18,9M
-9% vs atual
Pos-Venda

After-Sales Management

Workshop, parts and accessories revenue per store with full visibility. Margin per service order and after-sales absorption.

Workshop Parts Absorption
Pos-Venda — Visao Consolidada ABRIL/26
RECEITA PV R$3,8M
ORDENS/MES 2.847
ABSORPCAO 72%
TICKET MED. R$1,3k
Receita por departamento
R$1,6M
Workshop
R$1,2M
Parts
R$620k
Acessorios
R$380k
Funilaria
#LojaReceita PVMargemAbsorption
1Chevy Goiania C.R$680k38%81%
2Ford GoianiaR$520k35%76%
3VW Caminhoes GOIR$490k29%64%
WHO IT'S FOR

Who Mitra works for (and who it does not)

Made for you if

Mitra solves real problems for this profile

  • Dealership group with 2+ stores and a dedicated finance team
  • CFO, Controller or Finance Manager in the automotive sector
  • Dealership with DMS (DealerNet, Syonet, NBS) and structured data
  • Revenue above R$ 50M and need to consolidate multiple stores

Not for

Honestly: Mitra does not solve these cases

  • Single store without a dedicated finance team
  • Small dealership that does not do budget planning
  • Company without DMS or structured database
TYPICAL RESULTS

When finance stops being reactive

-35%
in floor plan cost with real-time inventory control per store
"We reduced average inventory from 60 to 39 days. Financial cost dropped by more than a third."
+22%
in F&I margin per vehicle with full product visibility
"Before, F&I margin was estimated. Now we know per vehicle, per salesperson, per store. Penetration went up 22%."
12 lojas
consolidated in real time in a single automated multi-store P&L
"From dozens of spreadsheets by email to a consolidated P&L in real time. The CFO has visibility over the entire group."
+300 companies already build and operate with Mitra Schedule a Demo for Dealerships
SUCCESS STORIES

Real results in real companies.

-50%

less rework in budget consolidation across departments

INDUSTRIA · BORRACHA

"We went from dozens of spreadsheets to a single ERP-integrated system. The finance team saved hours every week."

Controller Vulcaflex
See full case
-70%

reduction in budget cycle time with full closing automation

AUTOPECAS · 22 LOJAS

"The budget process that took weeks now runs in days, with centralized data and no intermediate spreadsheets."

CFO JS Pecas
See full case
Saga
140+

stores integrated with 40% more accurate sales forecasts

CONCESSIONARIAS · CENTRO-OESTE

"With Mitra, each store has real-time visibility into its performance. Before, everything was consolidated manually."

Operations Manager Saga
See full case
Demo for Dealerships

See Mitra running with your dealership's data

30 minutes focused on your scenario: vehicle margin, floor plan and multi-store P&L with real data.

  • Demo with real automotive sector data, not generic slides
  • Vehicle margin, floor plan and multi-store P&L live
  • Integration with DealerNet, Syonet and NBS
  • +300 companies already build and operate with Mitra
Fill in to schedule
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