What are the key results that Byrider franchisees should monitor in CNAC?
Byrider Franchise · 2025 FDDAnswer from 2025 FDD Document
| PROCEDURE: Using the ALL Letter report (CNAC) | A.29 Page Rev. 02/24/2022 |
|---|---|
| ALL Letters (Byrider Sales) | A.33 |
| PROCEDURE: Using the ALL Letter report (Byrider Sales) | A.33 |
| AMS reports series – See CSI reports series | |
| Application Results Report | A.37 |
| Approved Not Sold | A.41 |
| ARE Account Detail | A.43 |
| ARE Application Summary Report | A.47 |
| Asset Management-Buying Plan | A.51 |
| Asset Management (Category Totals) | A.53 |
| Asset Management (Make/Model) | A.55 |
| Asset Management (Monthly Category Totals) | A.59 |
| Asset Management (Vendor) | A.61 |
| Assign Collectors Report | A.63 |
| Assurance Service Contracts Sold Report | A.67 |
| Auto Timed Payments Report | A.69 |
| B's | |
| Balancing Success Reports – See Financial Heath Reports | |
| Basis Report – See Customer Exposure/Basis Report | |
| BK Follow Up Report | B.3 |
| BK Maintenance | B.5 |
| Buyers Guide | B.9 |
| Buyer's Report | B.13 |
| Buying Plan – See Asset Management-Buying Plan | |
| Byrider Orangebook | B.17 |
| PROCEDURE: Accessing the Byrider Orangebook | B.17 |
| C's | |
| Cash Board – See Collection Board | |
| (Vehicle Service) Cash Receipts | C.3 |
| Charge Off Board | C.5 |
| Charge Off Report | C.7 |
| Charge Type Report by Tiers | C.13 |
| Charge Type Report | C.17 |
| CNAC Back Off Report | C.19 |
| Cobuyer and Trade Penetration Report | C.23 |
| Collateral Exchange Report | C.27 |
| Collection Board | C.29 |
| Collections Projection | C.33 |
| Collector Productivity Board | C.37 |
| PROCEDURE: Posting the Collector Productivity Board | C.37 |
| Composite Comparison Report | C.41 |
| Composites | C.43 |
| PROCEDURE: Exporting the Composites report to Excel | C.46 |
| Controller's List | C.57 |
| Credit Bureau Reporting | C.61 |
| Credit Log Report | C.63 |
| CreditMax Transfer Report | C.65 |
| Critical Months Summary | C.67 |
| Critical Months Summary By Risk | C.71 |
| CSI reports – also see Podium Report | |
| CSI Completed Calls Detail | C.75 |
4
Byrider Franchising Partners, LLC ____________________ BYRIDER/CNAC REPORTS CSI Results and Score C.77 CSI Results Breakdown C.79 Page Rev. 01/29/2021 Cumulative Loss C.81 Cumulative Loss by Risk C.85 Cumulative Loss Gradient – See Cumulative Loss Current Status Report C.89 Customer Advancement Board C.93 Customer Delinquency Report C.97 Customer Exposure/Basis Report C.103 Customer
Source: Item 23 — Receipts (FDD pages 88–335)
What This Means (2025 FDD)
According to Byrider's 2025 Franchise Disclosure Document, franchisees should monitor several reports related to CNAC (CarNow Acceptance Company). These reports provide insights into customer satisfaction, financial performance, and operational efficiency. Specifically, franchisees should pay attention to CSI Results and Score, CSI Results Breakdown, Cumulative Loss, Cumulative Loss by Risk, and Cumulative Loss Gradient. These reports help gauge customer satisfaction levels and identify potential areas for improvement in service and operations. Cumulative loss reports are essential for understanding the financial risks associated with the portfolio.
Additionally, franchisees should monitor reports such as the Customer Delinquency Report, Customer Exposure/Basis Report, and Customer Follow Up Report. These reports provide a detailed view of customer payment behavior, outstanding balances, and the effectiveness of follow-up efforts. By analyzing these reports, franchisees can proactively manage delinquencies, minimize potential losses, and optimize collection strategies. The Customer Ledger Report and Customer Notes (CNAC) offer a comprehensive record of customer interactions and account activity, aiding in informed decision-making and personalized customer service.
Furthermore, the Daily Account Reconciliation, Daily Call Sheet, and Daily Cash Receipts Report are crucial for day-to-day operational oversight. These reports ensure accurate financial tracking, monitor collection activities, and reconcile accounts. By closely monitoring these daily reports, franchisees can maintain financial control, identify discrepancies, and ensure efficient cash management. The Delinquency Board, Delinquency by Tier, Delinquency Charts, and Delinquency Summary provide a consolidated view of delinquency trends, allowing franchisees to implement targeted interventions and improve overall portfolio performance. These reports collectively offer a comprehensive toolkit for Byrider franchisees to effectively manage their CNAC operations and drive business success.