In Plain English

Traditionally, only the largest manufacturers, names like Caterpillar, John Deere, and Ford, could afford to own their own finance company. That's called a captive. It lets them control financing rates, lock in dealer loyalty, and own the customer relationship for life.

VCM's Virtual Captive™ Operating System gives mid-market manufacturers all of that without owning a bank: multiple lenders deployed to their strengths, promotional programs the OEM controls, and a rules-based routing engine that sends each deal to the right lender in seconds.