Captive financing allows your dealer group to participate in the loans you originate and earn significantly more profit on every deal.
Similar to your participation in reinsurance programs, you can offer in-house financing under your chosen brand to drive growth, customer affinity, and retention.
Octane’s Captive-as-a-Service product enables auto dealer groups to enjoy the benefits of an in-house captive finance company, without the significant investment of building or acquiring a lender.
Set your earnings target and build a portfolio of loans
Earn interest income from the loans you
originate (up to 2x+ your typical reserves)
Grow and diversify your revenue streams
Traditional third-party lenders handle the tedious parts of financing, but also keep all of the upside. Octane will take care of the nitty gritty while empowering your dealer group to drive revenue through a portfolio of used auto loans - building untapped long-term enterprise value.
Your captive will be white-labelled with your chosen brand.
In-house captive financing keeps customers in your ecosystem, opening up new lifecycle marketing and cross-sell opportunities.
Customer Engagement
Use loan performance data to optimize the customer journey and drive repeat purchases.
Service & Maintenance
Advertise your service bay in monthly touchpoints to get customers back in the dealership.
Limited-Time Promotions
Offer exclusive promos, such as no interest, no payment, to drive seasonal volume.
Digital Prequalification
Send every lead through your captive with Octane technology, and own your customers from end-to-end.
Our team will build you a best-in-class captive financing program in as few as 4 weeks. Set your earnings goals, pick your brand, and Octane will take care of the rest.
Near-Prime Program
Capital Markets
Complement your existing lender stack
Leverage Octane’s extensive Capital Markets experience
Branding & Design
Underwriting
Loan Processing
Loan Servicing
Bring your brand to life with our internal creative agency
Cover more customers with our proprietary decisioning model
24/7 loan decisions, dealer support 7 days a week
In-house payments,
collections, & recovery
Loans Originated
OEM Partner Brands
Rating from S&P* and Kroll**
16 ABS Deals Since 2019
Take control of the financing process - and the profits that come with it.
If you’re a franchised pre-owned dealer group in the US, let’s chat!
Copyright © 2026 Octane Lending. All Rights Reserved.
All results indicated are estimated and based on modeled performance metrics and assumptions regarding market conditions and other matters. Octane does not make any representations regarding the reasonableness of such assumptions or the likelihood that any such assumptions will coincide with actual market conditions or events. Actual results may vary and are not guaranteed. Financing programs offered by Roadrunner Financial, Inc. and accounts are serviced by Roadrunner Account Services, LLC. The Captive-as-a-Service program is subject to the parties entering into an agreement detailing the program requirements and terms. Octane Lending, Inc. is not an investment advisor and does not provide any advice as it relates to the benefits or risks of entering into the Captive-as-a-Service program. Dealerships are encouraged to seek the advice of their own independent financial advisors and legal counsel prior to entering into the Captive-as-a-Service program. © 2024 Octane Lending, Inc.® (Octane ®) All Rights Reserved. Roadrunner Account Services® (NMLS ID. 1758660) is a subsidiary and in-house servicer for Roadrunner Financial® (NMLS ID. 1525116) a licensed sales finance company. Their parent company Octane is a fintech revolutionizing the buying experience for major recreational purchases. *The full analysis for S&P’s ratings, including any updates, which you should review and understand, is available on standardandpoors.com and can be accessed here. **KBRA’s ratings are subject to all of the terms and conditions set forth in the related report and KBRA’s website, which you should review and understand, and can be accessed here.