DealGuard.AI

Agentic incentive and margin governance

Desking copilot

Context: Collin County, TX · FIPS 48085
DealGuard active under Dual Balanced policy. Monitoring Texas, North Carolina and New York testbeds. Describe a deal or pick a county on the map.
Dealer in Collin County wants 0% for 60 months plus an $850 instant rebate on a 25 HP compact tractor with loader and backhoe. Unit has been on the lot 115 days. Approve?
  • lookup_county_intelligence
  • predict_market_share_lift
  • calculate_deal_financials
Unit is past 90 days, so Dual unlocks aged inventory relief. Counter with 1.99% for 48 months plus a $1,000 attachment bonus instead of the rebate. Margin goes from 3.1% to 7.8%.
  • Requested deal stacks rebate with 0% subvention
  • Requested margin 3.1% is below the 5% hurdle
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Selected county
Collin, TX
FIPS 48085 · Rank 28 of 254 by opportunity
Dealer share18%
Predicted lift at 1.99%+2.4 pts
Aged units over 90 days37
Opportunity score71 / 100
Best programFloorplan relief + 1.99%
Est. margin impact+$128K / qtr

Top opportunity counties · TX

Ranked by expected margin per incentive $
Top 6 Texas counties by opportunity
#CountyShareAged unitsLiftBest programMargin impact
110%41+3.2 ptsFloorplan relief + 1.99%+$163K
29%42+3 ptsFloorplan relief + 1.99%+$151K
39%36+2.9 ptsFloorplan relief + 1.99%+$155K
46%34+2.3 ptsFloorplan relief + 1.99%+$144K
59%35+2.6 ptsFloorplan relief + 1.99%+$138K
613%38+2.8 ptsFloorplan relief + 1.99%+$136K

Plays for this week

  • Win sharePanola County

    Share is 10% with +3.2 pts predicted lift. Push Floorplan relief + 1.99% on compact tractors.

  • Clear agedEl Paso County

    42 units past 90 days. Floorplan relief plus 1.99% unlocks under Dual policy.

  • BundleEl Paso County

    Attach loader and backhoe with a $1,000 bonus instead of a cash rebate to protect margin.

Q4 program budget used$1.42M of $2M

Dealer requested

Flagged
Subvented APR0.00% · 60 mo
Instant rebate$850
OEM buydown cost$5,460
Net OEM margin$1,650 · 3.1%

DealGuard recommended

Dual
Subvented APR1.99% · 48 mo
Attachment bonus$1,000
OEM buydown cost$2,840
Net OEM margin$4,120 · 7.8%

Margin waterfall · recommended deal

Gross margin on $52,800 invoice
  • Gross margin$7,960
  • Rate buydown-$2,840
  • Attachment bonus-$1,000
  • Net OEM margin$4,120