Partner
Lender network — planned
Network
Negotiated rates — planned
Cashback
On funded deals — planned
Roadmap
Coming as the platform grows
Most dealers earn nothing on the financing. This module aims to change that.
When a client finances through an outside lender or their own bank, your dealership earns nothing on the financing side. The unit sale generates revenue. F&I products generate revenue. But the financing — often the largest transaction in the deal — produces nothing for the dealer.
The financing module is designed to change that equation: route financing through platform partner lenders and earn cashback credits on every funded deal, while the client still gets competitive, network-negotiated rates. It is on the roadmap — not live today — and it is meant to share the same unit records and portals as the claims recovery you start with.
Your client finances a large, multi-year RV loan. The lender earns the interest for years. Your dealership earns nothing on that transaction — unless the financing runs through the platform.
Three ways your clients finance — three ways you would earn
The planned module is designed to cover the three most common financing scenarios in the RV industry. Each is intended to generate cashback for your dealership.
Traditional RV purchase financing
Your client finances through a partner lender instead of an outside bank, at competitive network-negotiated rates. The dealership is designed to earn cashback on every funded deal.
- Typical RV loan terms (industry-standard ranges)
- Network-negotiated partner rates — planned
- Dealer cashback on every funded loan — planned
- New and used units eligible
5–20yr
Typical RV loan term range (industry standard)
Cashback on every funded deal — planned
Lease-to-own & standard leasing
For clients who prefer lower monthly payments or plan to upgrade every few years — the same partner network, the same planned cashback structure, a different payment model.
- Lower monthly payments for clients
- Lease-to-own and standard options
- Same partner rates and cashback model
- Ideal for frequent upgraders
Lower
Monthly payments attract clients who might otherwise walk
Same dealer cashback model — planned
Fleet acquisition for rental operations
For dealers who run RV rental fleets — financing structured for fleet acquisition, so you build rental inventory with partner-backed financing and earn cashback on the fleet funding itself.
- Fleet-specific financing terms
- Multi-unit acquisition packages
- Cashback on fleet volume — planned
- Revenue from rentals + financing
Fleet
Build your rental operation with partner-backed financing
Earn on the fleet funding — planned
How a deal would flow through partner financing
From client credit application to funded deal — four steps, all planned to run through the platform.
Client applies
The client submits a credit application through your dealership. You enter the deal in the portal and select partner financing.
Platform shops rates
The application goes across the partner lender network at once. Multiple institutions compete for the deal, so your client gets the best available rate.
Deal funded
The client selects a rate and the partner lender funds the deal. Financing details are stored alongside the unit, F&I products, and client record.
Cashback credited
The platform receives a referral credit from the partner lender, and your cashback is calculated and credited to your dealer account automatically.
The whole flow is designed to run through the portal — no contacting lenders directly, comparing rate sheets by hand, or chasing paperwork.
How the cashback would work
When your dealership routes a client's financing through a partner lender, the platform receives a referral credit from that lender. A portion of that credit is passed back to your dealership as a cashback reward. Here is how it is designed to work.
Credited to your dealer account
Cashback rewards accumulate in your dealer account within the platform.
Redeemable toward new inventory
Credits can be applied toward inventory acquisition — reducing your cost on new units.
Non-cashable
Credits are redeemable toward unit purchases through the platform — they can't be withdrawn as cash.
Accumulates over volume
The more deals you route through partners, the more credits build toward your next inventory purchase.
Why network partner rates would beat walk-in bank rates
When a client walks into their local bank for an RV loan, they get whatever rate that one institution offers — no negotiation leverage, no competitive pressure, no volume discount.
Partner financing is designed to work differently. The client's application is submitted across multiple partner institutions at once, and they compete for the deal because the platform brings volume across many dealers. That volume leverage is intended to translate into lower rates for your clients and better terms than any single-dealer relationship could negotiate.
Multiple institutions compete
The client's application goes to several lenders at once — the best rate wins.
Network volume leverage
Combined dealer volume gives partner lenders a reason to offer preferential rates.
Client gets a better deal
A lower rate makes for an easier close — the financing becomes a selling point, not a barrier.
Lenders and financial institutions across Canada and the U.S.
The planned partner network is intended to include national banks, regional credit unions, specialty RV lenders, and institutions that understand recreational-vehicle financing — a diversified network that gives your clients options and your dealership leverage, not a single-lender arrangement.
National & regional banks
Major institutions with competitive rates and established RV lending programs.
Credit unions
Member-owned institutions that often offer the most competitive rates for qualified borrowers.
Specialty RV lenders
Institutions that specialize in RV financing — longer terms, higher limits, industry-specific underwriting.
Canada & U.S. coverage
Partner institutions planned for both Canadian and American dealerships as the platform expands across North America.
Where your credits would go
Financing cashback credits accumulate in your dealer account. Here is how they are designed to be used.
New inventory through the platform
Apply credits toward units acquired through the platform — reducing your cost on new inventory.
Manufacturer unit orders
Apply credits toward new units ordered through the platform's manufacturer relationships — lowering your floor-plan cost on incoming inventory.
Credits accumulate
Credits don't expire and build over time. The more deals you route through partners, the larger your balance grows toward your next acquisition.
Non-cashable
Credits can't be withdrawn as cash. They are redeemable only toward unit purchases through the platform — keeping the value reinvested in your inventory.
Fleet financing built for dealers who rent
If your dealership runs a rental fleet, fleet acquisition is the single largest capital expense in the business. Rental financing is planned to be structured for exactly this — not a standard loan repackaged, but financing designed around fleet economics.
Multi-unit acquisition
Finance multiple units in one package — 5, 10, or 20 units at fleet rates instead of a loan application per unit.
Seasonal scaling
Scale the fleet up before peak season and restructure after — terms built for the seasonal nature of RV rentals.
Cashback on fleet volume
Every unit financed through partners is designed to generate cashback — fleet operators accumulate credits faster on higher volume.
Dual revenue
Earn rental income from the fleet and cashback credits from the financing — two revenue streams from the same asset.
Four revenue streams on every deal
The financing module is designed to add a fourth layer of revenue most dealers aren't capturing today.
Unit sale margin
The foundation — your margin on the unit itself.
F&I product revenue
Extended warranty, GAP, protection plans — margin on every product sold.
F&I cashback incentives
Planned tier-based cashback on your total F&I volume — the more you attach, the more you earn.
Financing cashback
Partner-financing credits redeemable toward new inventory — revenue most dealers never capture.
Most dealers capture layers 1 and 2. The platform is designed to help you capture all four — on every deal.
The average RV financing deal is a large, multi-year loan — and traditionally, all of the interest revenue goes to the lender. The financing module is designed to give RV dealers a share of that value through cashback credits on every funded deal.
Connected to the platform's revenue ecosystem
Financing would be one part of a complete revenue strategy built into the platform.
Financing questions
What dealers should know about the planned partner-financing module.
When will financing be available?
Financing is a planned module on the platform roadmap — not live today. It comes online as the platform expands beyond claims recovery. Timing is not locked; if you want to be told when it is ready, talk to us and we will keep you posted. (TODO(owner): confirm a target timeframe before advertising one.)
Would the cashback be actual cash?
No. As designed, financing cashback credits would be redeemable toward new unit purchases through the platform — they can't be withdrawn as cash. The structure is meant to reinvest the value in your inventory.
Would I be required to use partner financing?
No. Partner financing is designed to be optional — you can keep your existing lender relationships. Only deals routed through platform partners would generate cashback credits; there is no penalty for using outside lenders, you would simply miss the cashback opportunity.
Would the client get a better rate?
That is the intent. Partner institutions are meant to offer preferential rates negotiated through network volume, so in most cases the client would get a competitive or better rate than going directly to a bank — making it an easy recommendation for the dealer.
How would rate shopping work?
When you submit a deal for partner financing in the portal, the application is designed to go to multiple partner institutions at once. Each returns its best available rate and your client picks the offer that works — no contacting banks individually or comparing rate sheets by hand.
Would cashback credits expire?
No. As planned, credits would accumulate in your account and not expire — they stay available until you redeem them toward a unit purchase through the platform.
How does this fit with claims recovery?
Claims recovery is module one and stands on its own today — you start there. Financing is a later module under the same roof, designed to share the same unit records and portals. You never have to adopt financing to use claims recovery.
Claims recovery first. Financing next — under the same roof.
The financing module is on the roadmap. Start with the claims money we can recover today, and the rest of the platform is already being built around it.
