Miller-Ingram Associates

Our Trade Cycle Management (TCM) is a commercial strategy that uses the principles of PCP (Personal Contract Purchase) to create a predictable, repeatable, and loyalty-driven customer cycle. By leveraging the PCP structure — fixed monthly payments, a Guaranteed Future Value (GFV) at contract end, and flexible renewal options — TCM ensures customers can consistently access affordable mobility while securing recurring replacement sales. How PCP Underpins Trade Cycle Management? PCP creates a natural 24–48 month replacement rhythm. We build on this by managing the customer relationship and financial journey throughout the contract: 1. Affordability as the commercial foundation PCP lowers monthly payments by deferring part of the vehicle’s value (GFV). Our TCM uses this affordability to: • Increase market reach • Improve conversion • Make upgrades financially achievable • Stabilize demand year-round 2. Guaranteed Future Value (GFV) as a retention lever Because the vehicle has a predetermined value at contract end, customers are guided toward one of three decisions: 1. Upgrade and renew (the preferred cycle) 2. Return the car and exit 3. Pay the GFV and keep the car We manage communication, offers, and timing to make renewal the easiest and most attractive option. Predictable replacement cycle PCP (24–48 months) allows the dealership or OEM to forecast: • When customers will return • What equity position they will hold • Renewal opportunities • Stock inflows for used vehicles TCM turns this into a structured pipeline rather than reactive selling. What Trade Cycle Management based on PCP achieves For customers: • Lower monthly payments • Reduced risk (GFV protects them from depreciation) • Simple and predictable upgrade cycles • Better access to newer, safer, more efficient vehicles For dealers/OEMs/Captive finances: • Higher retention and renewal rates • Stable inflow of used vehicles • Predictable revenue cycles • Stronger brand loyalty • Consistent sales pipeline