core offerings

Captive-Style Financing, Without the Cost, Risk or Burden

VanCAP Blueprint

(Advisory & Design)

  • Evaluate OEM, dealer, and customer needs

  • Engineer captive-style finance programs (retail, floorplan, RPO, lease, subscription)

  • Match with lenders, credit partners, insurance, and service providers.

  • Build flexible structures (recourse, residuals, repurchase) to protect OEMs and lenders.

Virtual Captive™

(Program execution & management)

  • Without OEMs needing to own a finance company.

  • Dealer inventory financing with engineered curtailment and OEM support.

  • Deferred payment, 0% promos, residual value, subscription, and RPO structures.

  • From application to funding, collections, remarketing, and repurchase management.

VanCAP alliance network

(capital & partnerships)

  • Broader credit window and multi-lender participation for bigger credit lines.

  • Blend institutional capital with regional bank reach.

  • Negotiate better rates, terms, and structures than any OEM could alone.

  • Insurance, telematics, blockchain, residuals, remarketing, and collections.

sensai™ technology

(Data & Dealer enablement)

  • Streamlined application and approval process.

  • Customer, dealer, and equipment data collected at origination.

  • Portfolio health, dealer activity, credit trends, and program ROI.

  • Faster approvals, automated reporting, and inventory oversight.

Ongoing optimization & support

  • Continuous tracking of margins, ROI, dealer performance, and customer LTV.

  • Adapt structures for tariffs, rates, supply chain, or credit environment shifts.

  • Add residual value programs, new credit tiers, or bundled services as the program matures.