COST OF INACTION CALCULATOR 

You're leaving money on the table.

Calculate what inefficient AP processes may be costing your dealership. 
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Trusted by leading dealership groups:

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The costs of not automating:

Productivity Loss

Manual work and approval chasing

$1.5M+
LOST

Missed Discounts

Delayed invoice approvals

$100K+
MISSED

Fraud & Risk

Fake vendors, duplicate payments

$158K+
AT RISK

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Your operation

What your team spends to move invoices through manually — and what you’re leaving with vendors by missing payment terms.

Dealership Basics

Parts, Service & Body Shop combined

BLS median: $45,760 for AP clerks

$
Invoice Profile

Heavy truck parts: $800–$2,500 typical

$
Floor Plan

Used to size cash exposure from delayed AP approvals

$

Typical range: 5.60% to 7.60% (Harney Partners, 2025)

%
💳

Check Payments & Fraud Exposure

Every check you cut is a fraud surface. Manual payment controls can’t catch what automated matching stops before it leaves your account.

Check Volume
$
Electronic Migration

How many of your monthly checks could move to ACH or card payments

Annual cost of inaction
-$0
what your current process costs per year
before onPhase enters the picture
Every month you wait costs your dealership $0
Cost Per Invoice Today
$22
manual processing
With onPhase
~$2.50
automated
3-year impact — if nothing changes
Yr 1
Yr 2
Yr 3
Cost of inaction
—
—
—
Net with onPhase
—
—
—
01 — AP Processing
Manual processing overhead—
Early-pay discounts left with vendors—
Duplicate & exception losses—
Floor plan exposure from AP delays—
02 — Check Payments & Fraud
Check printing & processing cost—
Fraud exposure from check volume—
What you recover by acting now—

Sources: Manual AP $18–$26/invoice (Mosaicorp, 2025) · Exception rate 15% at $53/exception (IOFM/Ardent, 2024) · Check processing $4.50 vs $0.50 ACH (AFP, 2024) · Check fraud 1% of spend (AFP, 2024) · Floor plan rates (Harney Partners, Q2 2025) · BLS May 2024

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Stop Letting Manual AP Run Up the Bill.

You’ve calculated how much you could save. Now connect with an expert for next steps to cash in on those savings.
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