INDUSTRY REPORT

The 2026 State of AP & Payments in Dealership Finance

Research drawn from ATD, NADA, Haig Partners, Ardent Partners, and 8+ additional industry sources.

Overview:

In dealership finance, small process gaps don't stay small for long. When invoices, approvals, and payments live across inboxes, spreadsheets, and separate systems, simple questions take longer to answer, control gets harder to maintain, and growth becomes tougher to manage. In 2026, with tariff-driven cost volatility, rising fraud sophistication, and fixed ops carrying more of the margin story than ever, those gaps are getting harder to absorb. This guide breaks down where visibility breaks first, what it's actually costing dealer groups, and what the best-run operations are doing differently.

 

Inside you'll find:

  • Where AP control breaks first and what it costs dealer groups to ignore it
  • The fraud exposure most dealers are underestimating and what protected operations have in place
  • A practical framework for how AI supports AP without adding complexity
  • How Bruckner's Truck & Equipment built repeatable control across 47 locations
  • A clear way to measure margin recovery instead of guessing
  • A self-scoring AP and payment maturity checklist to grade your own operation

DMS-ebook

Key Findings:

$80,000 a month

in avoidable cost for a 15-rooftop group, from a single-digit spread per invoice 

Nearly 9 in 10 dealers

concerned about fraud, with insurance covering less than half the loss for most

73.8% of total gross profit

produced by fixed ops at truck dealers, and roughly half at auto dealers