Frazer Computing: Affordable, Founder-Led DMS and CRM for Independent and BHPH Dealers

Frazer Computing is a Tucson, Arizona-based software company that has been serving independent used-car dealers and Buy-Here-Pay-Here (BHPH) operators since 1992. Founded by Charles "Chuck" Frazer, who remains the owner and active leader, the company provides an integrated DMS and CRM platform purpose-built for small independent lots — not an enterprise system stripped down to a lower price point. Frazer Computing is privately held, completely bootstrapped (no venture capital, no outside investors), and employs roughly 15–25 people.

Frazer's longevity in the automotive software industry — over 30 years — is unusual. Most DMS vendors from the 1990s have been acquired, merged, or replaced by newer platforms. Frazer survived and grew by focusing exclusively on the independent dealer and BHPH segments that the big DMS vendors (CDK, Reynolds) do not serve well. The platform starts at around $199–$299 per month for a single-user base system, with pricing publicly listed on the company's website — a transparency that is rare in the automotive software industry, where most vendors hide pricing behind "contact sales" forms.

What It Does

Frazer Computing provides an all-in-one DMS and CRM platform covering the full operational workflow of an independent dealership. The core system includes:

Inventory Management — Vehicle acquisition tracking, lot aging, inventory valuation, photo management, window sticker generation, and syndication to major marketplaces: AutoTrader, Cars.com, CarGurus, eBay Motors, Craigslist, Facebook Marketplace, KBB, iSeeCars, and AutoTempest.

Sales CRM — Lead management from all sources (website, phone, third-party listings), customer follow-up workflows, sales pipeline tracking, buyer profiles with full history, and integrated email and SMS messaging.

Deal Desking and F&I — Payment structuring, trade-in evaluation, credit application processing, F&I menu presentation, and eContracting through integrated partners. The system supports retail, wholesale, and BHPH transaction types.

BHPH Module — Full loan servicing and portfolio management: payment tracking and collection, automated payment reminders, late fee calculation, delinquency tracking, repossession workflow, and GPS/starter-disable device integration (PassTime, GPS-Trace, Spireon/GoldStar, Kahu, TrackStar). This is Frazer's flagship capability.

Accounting — General ledger, accounts payable and receivable, commission tracking, bank reconciliation, 1099 processing, and sales tax management. Financial reports include P&L statements, balance sheets, and cash flow analysis.

Reporting — Over 100 built-in reports covering inventory, sales, finance, accounting, and BHPH portfolio performance. Custom report building is supported.

Why Dealers Care

1. Transparent, public pricing. Frazer posts its pricing on its website — starting around $199–$299/month. In an industry where most DMS vendors require a demo call before revealing any pricing, this transparency builds trust and lets dealers self-qualify before engaging with sales.

2. Month-to-month contracts available. Unlike most DMS platforms that require 1–3 year commitments, Frazer offers month-to-month terms. For small dealers who are cautious about long-term software commitments, this is a significant risk reducer.

3. Founder-led, 30+ year track record. Chuck Frazer still runs the company, answers support calls, and writes customer newsletters. For dealers who have been burned by vendor acquisitions (where the product they bought gets deprecated or price-hiked), Frazer's stability and independence are reassuring.

4. BHPH specialization. The BHPH module is genuinely differentiated. Frazer has been developing BHPH-specific features for over two decades — payment tracking, collections workflows, GPS device integration, repossession management. Most DMS vendors treat BHPH as a checkbox feature. Frazer treats it as a core competency.

5. Personal, US-based support. Support is US-based, accessible by phone and email, and known for being responsive. The small team means shorter escalation paths and more familiar relationships between support staff and customers.

Strengths

Transparent pricing. Frazer is one of the few automotive DMS vendors that publicly lists pricing. This eliminates the evaluation friction that most dealers experience when comparing platforms.

No long-term contracts. Month-to-month availability is rare in the DMS world. It signals confidence in the product and reduces buyer risk.

Deep BHPH capabilities. The BHPH module has been developed over decades with direct input from BHPH operators. GPS device integration, automated payment collection, delinquency tracking, and repossession workflows are all first-class features.

30+ year track record. Frazer has outlasted dozens of competitors. The company is not going to be acquired next year and shut down. For dealers who value vendor stability, this longevity is a significant advantage.

All-in-one platform. DMS, CRM, accounting, BHPH, and syndication all in one system. No middleware, no API stitching, no data reconciliation between separate tools.

Data migration assistance. Frazer offers free data migration from the dealer's previous system — a service that most competitors charge $1,000–$3,000 for.

Watch-Outs

Dated user interface. The platform is functional but looks and feels like software from an earlier era. The UI is not as clean or modern as newer competitors like FLEX DMS or AutoRaptor. For dealers who value a polished, current interface, this is a real consideration.

Small company capacity limits. With 15–25 employees, Frazer has limited R&D bandwidth. New features come more slowly than larger competitors. Mobile app capabilities are basic. AI features — now common in newer platforms — are absent.

No franchise DMS support. Frazer has no OEM certification, no manufacturer reporting, and no warranty claim processing. If a used-car dealer adds a new-car franchise, Frazer will not work for that part of the business.

Limited multi-store management. The platform is designed for single-lot operations. Multi-rooftop groups will find consolidated reporting, inter-store inventory transfers, and centralized purchasing poorly supported.

No integrated phone system. Unlike some all-in-one CRMs (DealerPeak, for example), Frazer does not include VoIP phone capabilities. Dealers need a separate phone solution.

No AI/ML features. Frazer does not offer AI-powered pricing recommendations, predictive analytics, behavioral scoring, or automated lead response. For dealers who want these features — and there are affordable options now — Frazer will not deliver them.

Who It's Best For

Good fit: Independent used-car dealers running 30–150 units per month who want an affordable, reliable, all-in-one DMS with strong BHPH capabilities. Best for dealers who value price transparency, month-to-month flexibility, and a founder-led company over a modern UI or AI features.

Bad fit: Franchise new-car dealers. Large multi-store groups. Dealers who want a polished, modern interface with AI-powered features. Also a poor fit for dealers who need enterprise-grade multi-store reporting — Frazer is built for single-lot operations.

Demo Questions

1. What's the all-in monthly cost for a single-lot independent with DMS + CRM + BHPH + accounting + marketplace syndication? No hidden fees?
2. Walk me through the BHPH module — how does GPS device integration work, and which devices do you support?
3. How does data migration work? Do you handle the full process, or do I need to map the data myself?
4. Can I use the platform on a month-to-month basis from day one, or is there an initial commitment period?
5. What does the mobile experience look like? Can my salespeople access inventory and CRM from their phones on the lot?

Bottom Line

Frazer Computing is the reliable, no-nonsense choice for independent and BHPH dealers who want an affordable, all-in-one DMS that just works. The transparent pricing, month-to-month contracts, and 30+ year track record are genuinely rare in the automotive software industry. The BHPH module is a standout feature that gives Frazer a defensible niche against newer competitors. The trade-offs are real — dated interface, no AI features, limited mobile capabilities — but for the target market of small independent dealers who value affordability and stability over flash, Frazer is a proven, low-risk choice. The company has outlasted dozens of competitors and will likely outlast dozens more.