Built for captive auto finance.

Captive auto lenders originate at scale through dealer networks, which means large portfolios accumulating quickly and collections operations that need to perform across hundreds of thousands of accounts simultaneously. Reaching borrowers efficiently — on the channel they'll respond to, at the right stage of delinquency — determines how much of that portfolio you recover.

Total-loss claims are a defining operational challenge for captive lenders. High vehicle exposure combined with large portfolio volume means significant claims processing load — ACV disputes, GAP filing coordination, titling, and lien release all happening concurrently across carriers and states. Manual handling of this at scale is slow, inconsistent, and leaves money on the table.

State repo laws, right-to-cure requirements, and deficiency balance regulations vary dramatically by state. A captive lender operating nationally must maintain compliance with dozens of overlapping legal frameworks across every customer interaction, account event, and collections action — and demonstrate that compliance to regulators on demand.