Pillar 06
Financial Structure & OEM Recovery:
the largest single-digit-percent lever the dealership has.
OEM program participation gaps, audit exposure, lender readiness, and capital structure issues that surface only under inspection.
Where the biggest lever hides in plain sight
The problem, framed honestly.
OEM incentive and rebate programs are complex, time-bounded, and audit-heavy. Most dealers leave money on the table because tracking is manual and siloed.
Corporate structure and lender readiness are not monthly reports. They are annual audit events that, done wrong, cost the principal a multiple of annual profit.
Mechanus IQ surfaces gaps in program participation, filing deadlines, and lender-grade documentation so the biggest single lever in the dealership is not the one that quietly gets forfeited.
Signal inventory
What Mechanus IQ actually looks for.
Each signal corresponds to one or more verified vectors in the Mechanus IQ detection surface. Full inventory: intelligence model.
01
OEM program participation gap
Programs the dealer qualifies for but is not participating in. Usually a legacy of a prior GM decision that never got revisited.
02
Incentive filing deadline misses
Rebates and incentives have time-boxed filing windows. Missing the window means the dealer subsidizes the OEM.
03
Audit-grade documentation completeness
Reconciliation between DMS ledger, OEM statement, and the bank deposit. Three sources of truth that must agree.
04
Lender-readiness package completeness
Audited financials, governance records, and compliance artifacts needed for a refinance or line-of-credit expansion.
05
Holding-company and intercompany leakage
Inter-entity transactions that do not reconcile under arm's-length review. Visible only against a forensic lens.
Gates, not recommendations
The problems we surface do not come back.
Every finding becomes a permanent enforcement gate inside the workflow. Hard gates block the action until resolved. Soft gates page an operator on drift. Audit gates flag the event for scheduled review. How gates work.
Hard gate
OEM filing-window enforcement
A filing that crosses the OEM deadline blocks at submission until a manual override with reason code is logged.
Blocks the action until resolved
Soft gate
Three-source reconciliation alert
DMS, OEM, and bank deposit must agree within configured tolerance. Drift surfaces at close.
Pages the relevant operator on drift
Audit gate
Annual lender-readiness package check
Package completeness reviewed annually against configured lender-grade requirements.
Flags the event for scheduled review