90%
overall approval rate
- The gap
- A strong relationship with a primary bank that had no answer for new businesses or challenged credits.
- What we built
- A second financing partner and a frictionless credit application.
The Virtual Captive™ for manufacturers
Your customer didn't choose the competitor's product.
They chose the competitor's payment.
Build your bank.
VCM designs, builds, and manages your financing program: floorplan lines that put equipment on dealer floors, and customer payments that close the sale. Lending partners provide the capital, carry the credit risk, and staff the back office.
30–90 days
From first call to a live program
10X
The return to expect on your investment in the program
90%
Approval rate one manufacturer reached after we added a financing partner
#14 → #1
One manufacturer's market-share climb, in under two years
Why captives win
The unique compounding benefits of captive financing.
Inventory on the dealer floor creates the sale. The right payment closes it. The financing relationship tells you who the buyer is and brings them back. Each turn strengthens the next, across your whole channel.
A program goes live in 30 to 90 days. The benefits keep compounding for as long as you sell.
Discover the Virtual Captive™
Built for the moment of sale
More than financing. A reason to buy.
A great machine loses to a better monthly payment every day. We line up the capital, the programs, and the decisions ahead of time, so your dealer has the winning answer at the moment the buyer is deciding.
Financing isn't the fine print. It's your headline.
The program
Three parts. One program.
We design, build, and manage the program. Your lending partners fund it.
01 / CAPABILITY
Virtual Captive™
Your own captive finance program, under your brand. The model the industry's leaders have used for over 100 years.
02 / CAPABILITY
sensAI™
Routes every application by your rules to the lender best placed to approve it, and shows you what the program is doing.
03 / CAPABILITY
Engineered solutions
Inventory, retail, supply chain, and promotional financing, built as one system.
Proof
Six manufacturers. Six gaps. Six results.
Each had a good program with one piece missing. Here is the piece, and what happened when it was added.
300%+
incremental new sales volume
- The gap
- Strong retail programs and no inventory financing.
- What we built
- A floorplan solution that let dealers stock more equipment.
#14 → #1
in market share, in under two years
- The gap
- A strong commercial program and nothing for consumers.
- What we built
- Technology and new financing partners that opened consumer markets.
Head to head
with the industry leader's promotional financing
- The gap
- An industry leader capturing critical market share with promotional financing.
- What we built
- Promotional and strategic financing programs built to compete for that share.
200%
improvement in customer lifetime value
- The gap
- No data on the end buyers of its own products.
- What we built
- A program that captures buyer data on every financed sale.
2X
growth rate, with supplies at half the cost
- The gap
- A growing operation that needed capital to unlock a second shift.
- What we built
- Capital for the expansion. The second shift went live and the company went on to become the market leader.
Results from programs designed or led by members of VCM's team. Outcomes depend on product, channel, and credit mix.
A hundred-year advantage
Caterpillar. John Deere. Dell. GMAC. Apple. Kubota. And now your company.
The leaders in equipment, autos, and technology built captive finance to control the payment. For a century the model belonged to companies large enough to own a bank. The Virtual Captive™ replicates it for you, live in 30 to 90 days.
Names shown are companies known for their own captive or branded financing programs, cited as examples of the model.
Why VCM
On your side of the conference table.
VCM works directly for you. We sit on the manufacturer's side of the table and develop best-in-class financing solutions with banks, private capital, and wholesale funding companies. Our leadership designed, led, and ran captive and strategic finance programs at Siemens, Dell, Haas, and Doosan Bobcat.
10+
Captive finance organizations led or transformed
40+
Countries with programs deployed across the team's careers
A different model
Why settle for one bank's answer?
One lender brings one credit box and one set of priorities. A coordinated group of lenders brings more approvals, promotions on your calendar, and a clear view of the results. Your bank stays. The rest of the market joins it.
Compare the models
The next move
Live in 30 to 90 days. It starts with 30 minutes.
Thirty minutes with our team. We look at your products, your dealers, and your buyers, and show you where a financing program adds sales.