# Finance

{% embed url="<https://portal.tools2winretail.com/financing>" %}

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**Access Note**: The "Finance" permission is required.
{% endhint %}

{% hint style="info" icon="exclamation" %}
This tool is only supported for Storis
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## Finance Dashboard

The **Finance Dashboard** provides visibility into how financing programs impact your sales, margins, and overall profitability.

It allows you to:

* Compare financing plans side-by-side
* Measure margin impact from finance costs
* Track financing growth over time (including YoY comparisons)
* Analyze customer usage of finance plans
* Drill into detailed financed sales orders

This tool is designed to help you understand whether financing is driving profitable growth — or quietly eroding margin.

***

### Filters

#### Finance Plan

Use the **Finance Plan filter** to isolate one or multiple financing programs.

You can:

* Select individual plans (e.g., 12-month, 24-month, 60-month programs)
* Compare internal vs external financing
* Analyze specific promotional programs (e.g., deferred interest, equal pay)

This allows you to focus on:

* High-cost plans
* Promotional campaigns
* Vendor-specific programs
* Custom customer agreements

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## Summary Metrics

### Finance Cost by Finance Code (Last 120 Days)

This table compares financing programs across:

* **Finance Rate**
* **Finance Cost**
* **Sales**
* **COGS**
* **Margin Without Finance Cost**
* **Margin With Finance Cost**

#### Why this matters

This view shows the true profitability impact of each financing plan.

You can quickly identify:

* Which plans generate the most sales
* Which plans carry the highest finance expense
* How much margin compression each plan creates
* Whether higher finance rates are justified by increased sales volume

This is your primary comparison view when evaluating plan performance.

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### Percent of Finance Cost

This donut chart shows the **distribution of total finance cost by plan**.

It answers:

* Which financing program consumes the largest share of total finance expense?
* Are a small number of plans driving most of the cost?
* Is one promotional program disproportionately expensive?

This helps prioritize which plans deserve review or renegotiation.

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## Trend Analysis

### Cumulative Financed Sales vs Finance Cost

*(Last 120 Days vs Same Period Last Year)*

This visual compares:

* Financed Sales (Current Period)
* Financed Sales (1 Year Ago)
* Finance Cost (Current Period)
* Finance Cost (1 Year Ago)

#### Use this to evaluate:

* Financing growth rate year-over-year
* Whether finance cost is growing faster than financed sales
* If margin pressure is increasing over time
* The seasonal pattern of financing usage

If finance cost growth outpaces sales growth, margins may be tightening.

***

## Margin Impact Analysis

### Margin Difference Between Financed / Non-Financed

This chart shows:

* Finance Cost (bars)
* Margin Without Finance Cost (dots)
* Margin With Finance Cost (dots)

#### What this reveals

For each top financing plan, you can see:

* The margin before finance cost
* The margin after finance cost
* The true margin compression
* The dollar impact of financing

This makes it easy to identify:

* Plans that are still healthy after finance cost
* Plans that dramatically reduce profitability
* Programs that may require price adjustments

This is one of the most important views when evaluating financing strategy.

***

## Detailed Orders

### Financed Sales Orders

This section provides a detailed transaction-level view including:

* Sales Order Number
* Sales Date
* Finance Plan
* Financed Amount
* Finance Rate
* Finance Cost

#### Use this to:

* Validate summary metrics
* Investigate high-cost transactions
* Review specific customer financing usage
* Audit unusual finance rates
* Analyze customer-level behavior

You can export this data for deeper analysis or review.

***

## Key Questions This Dashboard Helps Answer

* Which financing plans drive the most sales?
* Which plans have the highest cost burden?
* How much margin do we lose due to financing?
* Is financing growth profitable?
* Are certain promotions eroding margin?
* How has financing changed year-over-year?
* Which customers rely most on financing?

***

## Best Practices

* Regularly review margin impact by plan.
* Compare finance cost growth against financed sales growth.
* Monitor high-rate promotional plans.
* Re-evaluate pricing if financing compresses margin below targets.
* Use order-level data to audit exceptions.

***

The Finance Dashboard transforms financing from a blind cost center into a measurable strategic lever.