Core Offerings
Captive-style financing, without the cost, risk, or burden
Five integrated capabilities that take you from strategy to a fully managed, optimized program.
Virtual Captive™
- End-to-end captive program, no finance company required
- Floorplan programs with flexible curtailment & OEM support
- Retail financing: deferred, 0% promos, residuals, subscription, RPO
- Lifecycle: application to funding, collections, remarketing, repurchase
VanCAP Blueprint
- Strategic assessment of OEM, dealer, competitors, and customer needs
- Program architecture examples: retail, floorplan, RPO, lease, subscription
- Alliance mapping to lenders, credit, insurance & service partners
- Risk modeling: recourse, residuals, repurchase structures
Alliance Network
- Syndicated lending pools for bigger credit lines
- Private credit & bank partnerships at scale
- Collective leverage for better rates and terms
- Best-in-class insurance, telematics, residuals & remarketing
sensAI™ Technology
- Rules-based routing across the lender network
- Multi-tier coverage from A through E paper
- OEM-controlled promotional programs
- Real-time dashboards for portfolio, approvals & ROI
Ongoing Optimization
- Program analytics: margins, ROI, dealer performance, customer LTV
- Market adjustments for tariffs, rates & supply-chain shifts
- Lifecycle enhancements: residuals, new credit tiers, bundles
Ready to build yours?
See which structures fit your products, dealers, and customers.
Engineered Financing
Financing engineered like the equipment itself
VCM negotiates and structures financing programs with lending partners on your behalf, building customer loyalty and lifting sales and margin with little to no capital commitment.
Customer-centric programs
Make it easier for buyers to say "yes" by reducing friction at the point of sale.
- 0% Interest Financing: no interest for a set period (12, 24, or 36 months).
- Deferred Payments: no payments for 90–180 days, ideal for seasonal industries.
- Step Payments: start small and scale up as revenue grows.
- Subscription / RPO: flexible access with upgrade and buyout options.
- All-in-One Bundle: equipment + service + warranty + telematics + insurance in one payment.
Dealer & OEM sales accelerators
Strengthen your dealer network and move inventory faster.
- Floorplan with Curtailment Flexibility: more time to sell, less cash strain.
- Buyback / Repurchase Guarantees: OEM support makes lenders say "yes" faster.
- PUSH–PULL Incentives: reward both selling inventory and driving repeat buyers.
Innovative structures
Align financing with real-world use and customer performance.
- Residual Value Financing: lower payments with strong resale assumptions.
- Revenue-Based Repayment: payments scale with cash flow or revenue.
- Performance / Shared Savings: energy & EV programs funded by proven savings.
Next-gen financing tools
Technology that de-risks financing and adds transparency.
- Telematics-Driven Pay Plans: usage-based financing (pay-per-hour / pay-per-mile).
- Open Banking Credit Decisions: instant approvals from real-time financial data.
Our Difference
Built by the people who built it before
VCM was founded by leaders who designed, ran, and optimized captive and strategic finance programs for some of the most recognized OEMs and lenders in the world.
The Virtual Captive model
A model that delivers captive benefits without OEMs owning a bank.
Multi-lender precision
sensAI routes deals across the network: no single-bank dependency, no One Bank bottleneck.
OEM-controlled promotions
Design, approve, and deploy promotional programs without lender permission slips.
Full credit spectrum
Coverage from A through E paper, so the deals at the edges stop walking out the door.
Payment engineering, not discounting
Protect margin by engineering the payment instead of cutting the price.
Full program management
We handle lender relations, portfolio performance, and daily execution so you focus on growth.