engineered financing

The VanCAP methodology that turns financing from a transactional afterthought into a measurable competitive advantage. It transforms financing into a designed system, engineered and resilient like the equipment itself, unlocking sales growth, profitability, and market dominance.

Customer-Centric Programs

  • 0% Interest Financing – Customer pays no interest charges for a set period (e.g., 12, 24 or 36 months).

  • Deferred Payments – No payments for 90–180 days. Perfect for seasonal industries.

  • Step Payments – Start small, scale up as revenue grows.

  • Subscription / Rent-to-Own (RPO) – Flexible access with upgrade and buyout options.

  • All-in-One Bundle – Equipment + service + warranty + telematics + insurance in one monthly payment.

Make it easier for buyers to say “yes” by reducing friction at the point of sale.

dealer & oem sales accelerators

  • Floorplan with Curtailment Flexibility – More time to sell, less cash strain.

  • Buyback / Repurchase Guarantees – OEM support makes lenders say “yes” faster.

  • PUSH–PULL Incentives – Finance rewards for both selling inventory (push) and driving repeat buyer engagement (pull).

Strengthen your dealer network and move inventory faster.

innovative structures

  • Residual Value Financing – Lower monthly payments with strong resale assumptions.

  • Revenue-Based Repayment – Payments scale with cash flow or revenue.

  • Performance / Shared Savings Contracts – Energy or EV programs funded directly by proven cost savings.

Align financing with real-world use and customer performance

next-gen financing tools

  • Telematics-Driven Pay Plans – Usage-based financing (pay-per-hour / pay-per-mile).

  • Blockchain Smart Contracts – Track payments, warranties, and asset use in real-time.

  • Open Banking Credit Decisions – Instant approvals powered by real-time financial data.

Technology-driven solutions that de-risk financing and enhance transparency

Collective & alliance programs

  • Virtual Captive™ – OEMs get full captive power through VanCAP’s alliance network.

  • Syndicated Lending Pools – Multiple lenders, bigger guidance lines, reduced risk.

Captive-style benefits without the overhead