Deferred down payments, with reminders that actually go out
For most independent lots, most of the down payment arrives after the car does. That promise lived on a sticky note.
A deal can now carry any number of scheduled deferred downs — amount, due date, a note. From there:
- a reminder goes out a configurable number of days before it is due,
- a past-due notice a configurable number of days after,
- collecting one writes a real payment row, the same row the receipt prints from,
- and the dashboard carries a pending deferred downs counter.
A promise is not a payment, and the two are kept in separate places on purpose: a scheduled $12,000 cash down sitting in the payments ledger would start an IRS Form 8300 clock on money nobody has been handed.