Lease & Finance Portfolio

Your lease and finance portfolio is full of customers who are about to make their next vehicle decision - with or without you.

Customers with an active lease or outstanding finance balance have a predictable end date — and a high probability of returning to your dealership if you reach out at the right time. We build campaigns that track every customer's timeline and get your message in front of them before a competitor does.

Talk to us about your portfolio
The problem

Most dealers wait too long - or don't reach out at all.

A customer whose lease is ending in 6 months is already talking to other dealers, researching online, and considering their options. If your dealership hasn't been in touch since the day they signed, you're starting from zero in a conversation that your competitors may have already started.

The window to retain a lease or finance customer doesn't open at end of term - it opens 18 to 24 months before it ends. By the time a customer gets to their last few months, their decision is often already made. The dealers who win that next vehicle sale are the ones who started the conversation early.

Contact strategy

A structured contact program from early term to final month.

We build a tiered outreach program for both lease and finance customers, with messaging that evolves at each stage - from early awareness to urgent action. Select a portfolio type below to see how the contact cycle works.

25 months
remaining
First touch - awareness
Plant the seed early
A friendly introductory touch that acknowledges the customer's current vehicle and opens the conversation about their ownership journey. No pressure - just a warm reminder that the dealership is thinking about them.
19 months
remaining
Second touch - exploration
Introduce options and current vehicle value
Messaging shifts to options - what does the customer's current vehicle look like in terms of equity? Now is a great time to take a fresh look at lease-end possibilities before any decisions need to be made.
13 months
remaining
Third touch - exclusive offer
Loyalty upgrade - not open to the public
The customer is positioned as a valued loyalist with access to exclusive upgrade opportunities. Positive equity is highlighted as a real financial advantage - their current vehicle may be worth thousands more than they realize.
7 months
remaining
Fourth touch - incentive
Tangible offer to drive action
A concrete incentive - such as an excess wear and tear waiver - creates a real financial reason to start the upgrade conversation now. Urgency begins to build without being heavy-handed.
4 months
remaining
Fifth touch - decision time
"Have you decided what you want to do next?"
Direct messaging that lays out the customer's options clearly - lease again, purchase their current vehicle, or upgrade to something new. The goal is to get them in the door for a conversation before they go anywhere else.
2 months
remaining
Final touch - urgency
"Your lease is ending in around 30 days."
A clear, direct final reminder that the lease end is imminent. Every option is still available - but the window is closing. This is the last chance to retain the customer before they walk into another dealer.

Contact intervals shown are examples based on a standard 36-month lease term. Programs are configured to match each dealer's actual portfolio data.

19 months
remaining
First touch - awareness
Take a fresh look at your options
At 18 months from finance completion, the customer is introduced to the idea that their options are worth exploring now - including the current value of their vehicle and what upgrading might look like at this stage.
13 months
remaining
Second touch - loyalty
Final year - opportunities available
As the customer enters their final year of payments, messaging acknowledges their loyalty and positions the dealership as the right place to plan their next steps - whether that's upgrading, trading in, or simply getting an appraisal.
7 months
remaining
Final touch - decision time
"You've almost reached the finish line."
A direct, warm message that acknowledges the milestone of near-full ownership. Three clear paths are presented - keep the vehicle, trade up, or get a complimentary appraisal. The goal is a conversation before the payment term ends and the customer disengages.

Contact intervals shown are examples. Programs are configured to match each dealer's actual finance portfolio and contract terms.

What's included

Everything your sales team needs - organized and deployed for you.

We pull the portfolio data, build the contact calendar, write and design the communications, and deploy them on schedule. Your sales team gets the conversations - we handle everything that creates them.

Data
Portfolio extraction and segmentation
We pull your active lease and finance customers from the DMS, identify their term end dates, and segment them into the appropriate contact stage so nothing falls through the cracks.
Campaigns
Tiered direct mail campaigns
Each touch point in the contact cycle has purpose-built creative and copy designed for that specific stage - early awareness messaging is very different from a final month urgency piece.
Timing
Automated contact scheduling
Once configured, the contact program runs automatically based on each customer's contract end date. No manual tracking, no missed windows - the right message goes out at the right time every month.
Integration
OEM loyalty program awareness
We monitor manufacturer loyalty and incentive programs and help your campaigns take advantage of them - so when Honda or Ford is offering double loyalty dollars, your customers already know about it from you first.

Find out how many customers in your portfolio are approaching term end right now.

We'll review your lease and finance data and show you exactly how many customers are in each contact window - and what a structured outreach program could mean for your sales team. No commitment required.

Book a free dealer audit