Repossessed vehicle remarketing that prices every car in every sale channel, so each one goes where it nets the most
Each car sold where it nets the most, not where they always go.
See one case, screen by screen ↓Software that takes a repossessed car from recovery to sale: condition, value, the choice of sale channel, the checks before listing and the results after. Repossessed Vehicle Remarketing adds six agents that price each car in every channel, net of fees, transport, reconditioning and storage, so the remarketing manager can send it where it nets the most.
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A car comes off the recovery agent’s truck, the notice of plan to sell goes out, and when the notice period ends the car goes where every car has gone before: on a trailer to the physical auction lane, as-is, because that is the habit and the paperwork is set up for it.
Nobody has the hours to weigh it car by car — what the lane would net after the seller fee, the trailer ride and the storage, against selling online straight from the recovery lot, a dealer’s firm bid, or reconditioning first — with wholesale values moving every month and storage running every day the car waits. A few points of recovery on each car decide the loss line, and if a borrower later challenges the sale, the lender needs the record of why that channel was chosen.
Estimated split for one car, sold at the usual auction by habit and online from the recovery lot with the solution. The notice period follows the state setting, 10 days in Texas here, and does not change; days to cash are the working solution’s 21 at the auction and 6 online.
Six agents price every car in three channels from its photos and recent sales and check it may be sold; the remarketing manager accepts the best.
Harlow Ridge Auto Finance has 186 repossessed cars on four lots. A 2021 F-150 finished its notice period this morning. Here is what happens next, screen by screen, in the working solution.
Before Tasha sits down, the agents have read 47 condition reports and 1,684 photos and priced every ready car in three channels. By habit all 47 go to the auction for $1.05M. Priced car by car, 14 stay at the auction, 24 go online wholesale and 9 to a retail partner — $1.08M. Each card shows the photos, grade, miles, balance and three nets with days to cash, the usual auction tagged “usual”.
“+$38,420 more net recovery on the 47 ready cars · $817 a car · 33 go somewhere other than the auction.”
The inventory holds 186 cars with storage running at $4,658 a day. It is ranked by gain and days held, so the F-150 sits first: recovered 29 Sep, on Redbud’s lot in Haltom City for 13 days, balance $38,940, grade 3.2, online wholesale $1,175 better than the usual auction. Nine cars are held over 21 days — three on hold for titles.
Tasha opens the F-150 and presses Compare channels. The condition report reader reads Fieldline’s report and 38 photos, the reconditioning estimator prices five items, the wholesale valuer values the truck to each sale date, the channel comparer builds four plans, the sale compliance checker runs eight checks and the results tracker drafts the reason and the deficiency.
“Reconditioning estimator priced 5 items — $1,740 · lifts the lane price $2,100 · 1.14× its cost and days, under the 1.5× rule — skip it.”
The damage map pins what the photos show: a 14-inch windshield crack, front bumper scuffs, two front tires at 3/32 in., one key of two, interior soiling. The Southfork shop quote comes to $1,740 and seven more days. Reconditioning would lift the lane price from $25,600 to $27,700, but that is only 1.14× its cost plus the extra storage, under the 1.5× rule.
The condition report reader never guesses damage it cannot see in a photo.
Wholesale guide $27,200, less $450 for miles and $520 for condition, plus $310 for a North Texas four-wheel-drive truck: $26,540 as-is today. Fourteen comparable sales in 60 days within 250 miles back it up — lane median $26,450, online median $26,700 — with full-size pickups down 1.4% over 30 days, applied to each sale date.
Never relies on one source; never uses retail asking prices.
Southfork auction as-is nets $24,755 in 21 days. Reconditioned first, $25,010 in 28. Online wholesale from the lot, $25,930 in 6 — no $185 trailer ride, a $395 seller fee and a $65 inspection. Brazos Valley Truck Center’s firm bid, $25,795 in 3. Each card shows the waterfall, days to cash and a 10th–90th percentile range.
“Why online wholesale: trucks draw national buyers online — 9 online sales of this truck in 60 days, median $26,700.”
Tasha picks online from the lot and sets the reserve at $25,900, the dealer’s firm bid valid to Fri 16 Oct; if the reserve is not met, the bid is accepted and still nets $25,690. The sale checks show 8 of 8 passed: notice mailed 30 Sep with the earliest sale Mon 12 Oct, no redemption, title in hand, no bankruptcy filing, not on active duty, personal property held.
The sale compliance checker never lets a car be listed before the earliest sale date in its notice.
The F-150 is above $15,000 and a change from the default channel, so the approval is hers. She signs with her password and the meaning “Approved — channel and reason as shown”. The truck is listed on Trellis Online for Thu 15 Oct: $1,175 more than the usual auction, 66.6% of the balance, an expected deficiency of $13,010.
“Your signature, the time and the reason are written to the audit trail and cannot be changed.”
A 2020 Tundra on Lakeline’s lot in Mesquite: 34 photos show a clean bed, tires at 7/32 in. and no damage, so it is graded up to 3.4 (+$380). The auction would net $21,400, online $23,100 — and Pecan Creek, which retails Tundras off its front line, bids $24,160 firm. Retail partner selected: $24,050 net, 71.8% of balance, cash in 3 days.
“+$2,650 on the auction.”
The results tracker matches each sale to its plan and explains the variance — “two bidders above the reserve”, “transmission slip found at the lane”. October to date: 64 cars sold, a recovery rate of 41.8% against a plan of 39.5%, online wholesale at 44.9%. The monthly report goes to loss forecasting in one click.
“Deficiency explanations: 52 drafted for September sales · 49 approved and sent · 3 waiting for you.”
The same lots, seen by the four people who carry them — what their week looked like, and what it looks like now.
Six agents price every car in three channels from its photos and recent sales and check it may be sold; the remarketing manager accepts the best.
Reads the field inspection and its photos: grade, damage, tires, keys, warning lights, odometer and personal property.
Prices each recon item from the shop rate card and tests whether reconditioning pays in each channel — a price lift of at least 1.5× its cost plus the extra days in storage.
Values the car from guide values and comparable sales, adjusted for miles, condition, region and the trend to each sale date.
Builds a plan for every channel — price, fees, transport, inspection, recon, storage and days to cash — ranks them on net recovery and proposes a reserve from the best firm bid.
Checks the car may be sold: notice of plan to sell and its date, redemption, title, bankruptcy, active duty, personal property and buyers related to the lender.
Matches every sale to its plan, explains the variance, drafts the deficiency explanation and builds the monthly recovery-rate report.
Accepts the channel; specialist approves the default under $15,000. The agents propose; a named person decides.
The remarketing team can ask in plain words — or tell it what to set. Every answer points back to the sales, fee schedules and bids it rests on.
Why online and not Southfork for the F-150?
Because it nets $25,930 against $24,755 in the lane — +$1,175, 3.0 points of recovery. Expected price $26,600 against $25,600, costs −$670 against −$845, 6 days to cash against 21. Nine online sales of this truck in 60 days have a median of $26,700. Online it sells from Redbud’s lot — no $185 transport and no second run in the lane.
Does reconditioning pay on the F-150?
No. In the lane it lifts the price $2,100 (grade 3.2 to 3.9), but it costs $1,740 plus $105 for 7 more days in storage — 1.14× its cost, under your 1.5× rule. Online the lift is only $1,500. The windshield crack and the two worn tires are disclosed in the condition report instead.
Set the reserve at the retail partner’s firm bid and keep it as the fallback
Done. The online reserve is $25,900, Brazos Valley Truck Center’s firm bid, valid to Fri 16 Oct. All 9 online comparables cleared it. If the reserve is not met on Thursday, their bid is accepted: it nets $25,690, so the downside is covered. The decision is ready for you to approve.
Why does the Tundra go to the retail partner?
Because it nets the most there: $24,050 against $23,100 online and $21,400 at the auction, cash in 3 days. Pecan Creek Motors retails Tundras off its front line, so its firm bid of $24,160 is above the online median of 7 recent sales. The 34 photos show no damage and tires at 7/32 in., so the grade rose to 3.4.
13 screens from the working solution, on its sample data. Pick one to see it large.
The rules every car is compared and checked against are settings, versioned and on the audit trail.
| Setting | Default | Choose from |
|---|---|---|
| Default channel | Southfork auction, as-is | Southfork auction, as-is · Online wholesale, from the lot · Retail partner bid |
| Reconditioning pays when the price lift is at least | 1.5× its cost plus the extra days in storage | Set with − and + |
| Online reserve | Best firm retail partner bid, else 97% of as-is value | Best firm bid, else 97% · 97% of as-is value · No reserve |
| Market trend applied to each sale date | Segment index, last 30 days | Segment index, last 30 days · Segment index, last 90 days · None |
| Notice of plan to sell — earliest private sale | 10 days after mailing (Texas) | 10 days after mailing · 15 days after mailing · 21 days after mailing |
| Specialist approves the default channel up to | $15,000 expected net | $15,000 · $10,000 · $25,000 |
| Channel changes and cars above the limit | Tasha Morrow | Tasha Morrow · Graham Whitley |
| Buyers related to the lender | Blocked | Employees, affiliates and their dealers |
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
“demo” = seen in the working solution, on its sample lender data · “target” = the design goal, measured in the live solution · “estimated” = our estimate · “typical” = published figures (Auto Remarketing on the RMI Liquidation Solution — 30–60 days standard remarketing, $250 average transport). UCC §9-610 is named as context only. People, lenders, recovery agents, auctions, dealers and vehicles named on this page are fictional — characters and sample data in the working solution.
Software that takes a repossessed car from recovery to sale: condition, value, the choice of sale channel, the checks before listing and the results after. Repossessed Vehicle Remarketing adds six agents that price each car in every channel, net of fees, transport, reconditioning and storage, so the remarketing manager can send it where it nets the most.
The channel comparer builds a plan for each channel — expected price at its sale date, seller fee, transport, inspection, reconditioning and storage until cash — and ranks them on net recovery, with days to cash and a range. It recommends; the remarketing manager or specialist decides.
Yes. The reconditioning estimator prices each item from the shop rate card and tests whether the price lift is at least 1.5× its cost plus the extra days in storage. On the F-150 it was 1.14×, so the truck goes as-is with its damage disclosed; on a 2023 Sorento it paid. It never orders work.
No. The sale compliance checker confirms the notice of plan to sell was mailed and its earliest sale date has passed, and checks redemption, title, bankruptcy, active duty, personal property and related buyers before a car is listed.
Yes. The agents recommend; a person approves every channel. The remarketing specialist approves the default channel up to $15,000 expected net, and any change or larger car goes to the recovery and remarketing manager, who signs with the meaning of the signature recorded.
With every sale it keeps the channels compared, the figures and their sources, the reason the channel was chosen, the sale checks and the signed approval. The UCC asks that every aspect of a disposition be commercially reasonable (§9-610), and this is the record of how the method and place of sale were chosen.
The results tracker matches each sale to its plan, explains the variance, drafts the deficiency explanation after the sale and builds the monthly recovery-rate report for loss forecasting. Letters go to a borrower only after a person approves them.
The Agentic Solution Engine builds and deploys it from your requirements — your remarketing policy, channel fee schedules, recon rate card and a sample of past repossessions — and it goes live once every quality gate has passed. We will walk you through it on your own cars first.
We’ll run Repossessed Vehicle Remarketing on a sample of your own recent repossessions.