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Who we help · Body shops · CFO services

A fractional CFO for your body shop: the money is in the days.

In a business where insurers set the labour rate, the profit levers left are speed and buying: how many days each car spends in the shop, and what parts and paint actually cost against what the estimate allows. Our fractional CFO work puts numbers on those levers every month and sits with you in the decisions they force, DRP renewals included.

Technician painting a car in a body shop booth

Days on the lot are the profit lever

Rent, booth financing, salaried staff and insurance accrue by the day; revenue arrives by the repair order. Cut the average time a car spends in the shop and the same building, people and fixed costs produce more ROs a month, which is why cycle time beats price as the lever a collision shop actually controls when programs set the rates. Insurers watch it too: length of rental sits on every program scorecard, so slow files quietly cost future volume along with current margin.

We split the number before managing it. Keys-to-keys counts every day the customer is out of the car; touch time counts the days someone is actually working on it. A wide gap between them is not a production problem but a flow problem: cars checked in before parts arrive, teardown happening in the booth's queue instead of at intake, files idling in a supplement approval loop. The fixes are scheduling and parts discipline, and a monthly trend line shows whether they are taking hold.

Procurement is the margin the estimate left you

The estimate fixes what the shop gets paid for parts, so the buy price is the only variable still in your hands. We track procurement margin by supplier: the discount actually achieved against the estimate's price, the OEM programs used, alternative and recycled parts where the payer allows them, and a returns discipline that chases every credit until it lands. Paint and materials behave the same way. The allowance formula fixes revenue per refinish hour, so the jobber agreement decides the margin, and prepaid paint deals or volume rebates cut the unit cost while tying the shop down at the same time; we price both effects before a renewal, never after one. The RO-level records feeding all of this are the ones described on our body shop accounting page.

Storage is a policy, and sometimes a warning light

Storage on total-loss and non-drivable files, billed to the insurer at a posted daily rate from a documented start date, is real revenue, and shops leave a surprising amount of it uninvoiced. A lot crowded with the shop's own half-finished repairs is the opposite signal: those cars bill nothing per day and burn cycle time while they sit. So the CFO treatment is twofold: a written storage policy applied and invoiced completely, and a lot count on the monthly report read as a flow gauge rather than a comfort. Both numbers come from the same place, the management system's lot report, so keeping them honest costs the front office almost nothing.

Choose DRPs like a portfolio

A direct repair agreement trades rate for volume, and whether the trade pays only shows up in the shop's own numbers. Before any renewal we score each program on the same five measures:

MeasureWhat it tells you
Effective labour rate against your door rateThe real discount the volume is buying
Materials allowance against actual cost per ROWhether refinish-heavy work on this program pays
Supplement approval daysHow much unpaid work in process the program parks in your bays
Days to payment and short-pay rateThe financing cost of carrying the receivable
Share of total salesWhat happens to the shop if the program ends

The output is a mix decision, not a verdict: which programs earn growth, which get held, and how much retail and customer-pay work to protect at the door rate as ballast. A shop holding its own numbers can renegotiate terms; a shop without them can only accept or walk. Concentration gets a hard ceiling of its own, because a program that quietly grows into half the shop's sales turns every renewal letter into an ultimatum.

The cadence, and the money behind it

Our Fractional CFO service turns this into a rhythm: a monthly package with cycle time, procurement and materials margins, storage billed and the DRP scorecards beside the financial statements, then a standing working session to decide what changes next. The receivable lag DRP work creates is also a financing question, so we size the operating line to insurer payment days rather than to hope, and when a booth, a second location or an expansion needs a lender, Business Financing Advisory writes the package the way credit desks read, drawing on Walla Assaf's years on the banking side. Scope and fee arrive as a written quote after a free 15-minute discovery call, for collision shops across Mississauga and the GTA.

Common questions

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Should I manage keys-to-keys or touch time?

Both, as a pair. Touch time exposes production issues in the bays and the booth, while the gap between the two exposes flow issues like parts not arriving before check-in or supplements idling with adjusters, and each has a different fix.

How do I know whether a DRP is worth keeping?

Score it on your own data: effective labour rate, materials allowance against actual cost, supplement approval days, payment days and its share of your sales. Programs earn growth, holding or renegotiation on those numbers, not on the volume promise alone.

Can you help with cash while insurers take weeks to pay?

Yes. We size an operating line against your actual insurer payment days and receivable balances, and Business Financing Advisory turns that data into the package a lender needs to say yes.

Keep exploring

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Automotive & Transport

Every automotive & transport niche we work with.

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Body shop accounting

RO-level books that feed every number on this page.

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Dealership CFO services

Days-on-lot, recon costs and floor-plan carry, managed weekly.

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Numbers the front office can act on

A free 15-minute discovery call, no commitment. Walla replies within two business days, either way.

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