One Bank vs. Virtual Captive™
The payment control gap
The "one bank" outsourcing model made intuitive sense for a long time — until OEMs realized they had handed the payment, the credit box, and the promotional calendar to a partner with different priorities.
"A bank's job is to protect its capital. Your job is to deploy it. The moment those two experience friction, your bank starts running your sales and marketing strategy."
— VCM Whitepaper, "The Great Payment Paradox"
Programs our team has built or led across their careers
Siemens Financial Services Dell Financial Ritchie Bros. Penske Truck Leasing Ingersoll Rand Financial Services
Doosan Bobcat Financial Solutions eBay Motors Financing Microsoft Finance Ricoh Office Solutions Konica Minolta
Eastman Kodak Credit Corp Haas Machine Tools
Companies above reflect captive and strategic finance programs built, led, or advised by VCM's leadership team across their prior careers. Inclusion does not imply current commercial engagement with VCM.