Upload your owner base or sold list
Drop in a CSV of previous buyers — vehicle, purchase date, and terms if you have them. DealFlo scrubs against opt-out and DNC and organizes the list into a working campaign, not a spreadsheet nobody opens.
Somewhere in your DMS are customers who owe less than their car is worth and don't know it. DealFlo works that list by text — finds the ones with room to upgrade for a similar payment — and books them in before the lease company or the dealer down the street gets to them first.
Most mining tools spit out a report your BDC never gets to. DealFlo takes the list and actually works it — a real text to each owner about their specific vehicle and where they stand, an answer when they reply, and a booked appointment when the timing lines up. The report becomes appointments instead of a PDF.
Drop in a CSV of previous buyers — vehicle, purchase date, and terms if you have them. DealFlo scrubs against opt-out and DNC and organizes the list into a working campaign, not a spreadsheet nobody opens.
Riley opens on the customer's actual vehicle and the fact that values are strong and they may have more equity than they expect — a reason to look, framed as a heads-up, never a payment quote.
When they ask 'what would my payment be,' Riley doesn't guess or quote. It bridges to a real appointment where your team runs actual numbers — protecting you from bad promises while keeping the momentum.
Same-payment upgrades, newer model years, moving out of a high-mileage unit before it costs them — Riley frames the reason that fits the customer, not a blanket 'come trade in.'
Lease-end letters and competitor mailers are hitting the same customers. Riley gets there first with a real conversation, so the appointment is on your board before anyone else reaches out.
When an owner is ready, Riley alerts your rep with the vehicle, the equity angle, and the whole thread — so the desk is set up to make the upgrade easy the moment they walk in.
At its core, equity mining is one calculation: what the car is worth today minus what the customer still owes. The rest is sorting and timing. You can run it from your own DMS and CRM data, and the list is only as good as these fields.
| Field | Where it comes from | Why it matters |
|---|---|---|
| Vehicle and VIN | The deal file in your DMS | Drives the value estimate and a model-specific opener. |
| Contract date, term and rate | The retail installment contract or lease | Shows how far into the loan they are and how many payments remain. |
| Amount financed and payment | The deal file | Lets you estimate the payoff when the lender's figure isn't available. |
| Payoff | The lender, or an estimate from the amortization schedule | The 'owed' half of the math. Estimates drift from the real payoff, so the desk confirms it. |
| Current value | Your appraisal tools and market data for that model, trim and mileage | The 'worth' half of the math. |
| Current mileage | The last repair order | Adjusts the value and flags warranty and lease-mileage limits. |
| Mobile number and contact status | Your CRM | No valid mobile, or an opt-out, means no text, however much equity there is. |
Sort the result into three buckets. Clear positive equity gets worked first. Close to even gets a softer angle built on the car's age, mileage or warranty, not money. Upside down stays out of the equity campaign and gets rechecked later, since payments and market values both keep moving.
If you already pay for an equity mining tool, keep it. The list it produces is what Riley works, and DealFlo runs alongside the tools you already use.
The draw of equity mining is the number, and the number is exactly what shouldn't go in the text. The payoff moves with every payment, the value depends on condition nobody has seen, and a figure that turns out wrong becomes the figure the customer holds you to. There's a legal reason too: a payment amount in a marketing message can trigger the disclosure requirements in the federal credit and lease advertising rules (Regulation Z, Regulation M).
A good opener has three parts: their specific car and how long they've had it, one true reason to look now, and one question that moves toward a visit. The equity shows up in the reason, not as a dollar figure. 'Trucks like yours are in demand right now' is specific, and fair to say when it's true. A dollar amount is a promise the desk may not be able to keep.
Answer the question behind the question: they want to know the payment won't jump. Say plainly that the real number depends on the payoff and an in-person appraisal, which the desk can confirm quickly, and offer two times. Price questions are one of the few things Riley hands to a person, so your team sees the thread right away and can decide whether to call.
The appointment is where equity becomes real, so do the prep before the customer walks in: request the payoff from the lender, pre-appraise from your service history, and pull two or three vehicles that fit the budget they have today. The conversation Riley started only pays off if the numbers are waiting.
Each one names the car, gives one true reason to look and asks for a specific day and time. None quotes a payment, payoff or value. More by lead source are in our car sales text message templates guide.
Hi {first name}, Riley at {store}. You've had your {vehicle} a few years now, and I'd like to show you where you stand on it before you decide anything. Is Thursday at 5:30 or Saturday at 10 better to stop by?
Use when the equity estimate is clearly positive.
Hi {first name}, Riley at {store}. You're getting close to the end of the loan on your {vehicle}, which makes it a good time to decide whether to keep it or put it toward something newer. Would Wednesday after work or Saturday morning be easier to talk it through in person?
Hi {first name}, Riley at {store}. Your {vehicle} is one of the models we have the hardest time keeping on the lot, which works in your favor if you've thought about something newer. Could you come by Friday at 4 or Saturday at 11 so our manager can appraise it and show you your options?
Only when your used car manager confirms the model is in demand.
Hi {first name}, Riley at {store}. The redesigned version of your {vehicle} just arrived, and yours is one of the trades we'd most like to see. Is Tuesday at 6 or Saturday at 10 better to drive the new one?
Fill {vehicle} with the model name only, without the year.
Totally fair, {first name}, nobody wants the payment to jump. The honest answer depends on your payoff and an in-person appraisal, and the desk can confirm both quickly. Would Thursday at 5 or Saturday at 10 work to see the real numbers side by side?
Measure by equity bucket and trigger, so you learn which part of the owner base actually moves.
| Metric | What it tells you | How to pull it |
|---|---|---|
| Usable list | How much of the owner base you can actually work. | Owners with a valid mobile, no opt-out and a payoff or estimate, divided by all owners in the pull. |
| Reply rate by bucket | Which equity bucket and trigger responds. | Replies divided by customers texted, for each bucket and trigger. |
| Appointments set and shown | Whether interest turns into visits. | Appointments from the campaign, and the share marked shown. |
| Deals sold | The money, credited back to the campaign. | Deals in your DMS where the buyer was on the mining list and received a text. |
| Equity accuracy | How good your data is. Big gaps mean your payoff estimates or values need work. | Estimated equity compared with the equity the desk confirmed, for every customer who came in. |
| Trades acquired | Used inventory the campaign brought in. | Trade-ins on campaign deals, plus cars bought outright from campaign customers. |
| Opt-out rate | Whether past buyers welcome the message. | Opt-outs divided by customers texted, by bucket. |
Equity accuracy is the easiest one to skip, and it's the one that tells you whether to trust the rest. To see how Riley would open your own owner list, book a demo.
You can start with what you already have — a sold or owner list with vehicle and purchase details. Riley opens the conversation and books the appointment; your desk confirms the exact equity when the customer comes in. No expensive data subscription required to begin.
Never. Riley frames the opportunity — strong values, likely equity, a newer unit for a similar payment — but any real number is handled in person by your team. That protects you from over-promising and keeps the conversation honest.
A mailer is one-way and easy to ignore. Riley is a two-way text that answers questions, handles the payment objection, and books an actual appointment — and it reaches the customer before the lease company's letter does.
Yes. Equity mining is strongest on finance customers a few years in, where used values have pushed them into positive equity. Riley works both — finance upgrades and lease-end conversations — from the same owner base.
Yes. Upload a CSV or forward leads by ADF. DealFlo runs next to VinSolutions, eLead, DealerSocket, CDK, Reynolds, or Tekion, which stays your system of record.
Pricing is quoted per rooftop, based on what your store turns on, and the standard agreement is month-to-month with no minimum commitment. Book a demo and we will walk you through the exact number for your store.
30 minutes. We'll show you the exact conversations Riley sends, and what your first 30 days of automated follow-up look like.