Your warranty reserves are a black hole.
You have no visibility.
When customers sell their vehicles, do you know about it? Your DMS doesn't track what happens after they drive off.
Your administrator isn't telling you.
They don't monitor ownership changes. They wait for the term to expire. Your cash, their float.
You're waiting 5-7 years for money you could access much sooner.
When a customer sells without transferring the warranty, the contract cancels. Those reserves shift from unearned to earned—eligible for accelerated release. But you don't know it happened. So you wait.
20-25% of your warranty reserves may be eligible for early release.
When customers sell their vehicle without transferring the extended warranty within 30 days, the warranty cancels. The reserve funds move from A account (unearned) to B account (earned)—where you have more flexibility, earn investment returns, and can access funds years earlier.
But without visibility into ownership changes, those funds sit in the wrong bucket. You wait years for money that's already eligible to move.
ReserveIQ gives you that visibility.
1. Send your data
Export VINs and warranty dates from your DMS. Takes 5 minutes.
2. We verify ownership
We check every vehicle against ownership records. Results in 72 hours.
3. You take action
Hand the results to your administrator. Request the transfer from A to B. Accelerate your access by years.
No integration. No platform to learn. Just a list of reserves ready to move.
$373,500 in reserves identified in 72 hours.
A GM dealer group submitted 3,253 warranty records.
They had no idea. Now they run ReserveIQ quarterly.
Calculate your potential:
Active warranties × 23% × $500 = Stranded capital
That's capital sitting in unearned status. Waiting for you to move it.
Why It Matters
Accelerated access.
Reserves that would sit in your A account for years become eligible to move to B—where they earn returns and you have more flexibility.
Zero downside.
This is money you're already entitled to. We just help you identify when it's ready to move.
Works with any structure.
Third-party administrator, retro arrangement, CFC, NCFC, DOWC—doesn't matter. Whether your administrator holds the funds or you have your own reinsurance trust, the process works the same.