Connecting Dealers to Innovative Capital Solutions and AI-Powered Technology

Finance More Subprime Customers, Sell More Cars, and Make More Money

Become Your Own Subprime Captive Lender

Designed for auto dealers, we give you the funding to buy and sell more cars. With AgoraCapital, you earn your gross profit on the sale of the car and the finance profit on the auto loan. We handle the heavy-lifting by funding and servicing your loans, freeing you up to focus on buying and selling cars.

Sell Your Bulk Portfolio and Maximize the Return

Auto dealers, if you have a subprime bulk portfolio to sell, Agora connects you with institutional buyers while still allowing you to earn Additional Loan Profit after the sale. Take advantage of this opportunity to maximize your returns even after transferring your portfolio.

Start Earning Your Additional Loan Profit

From stocking the lot, marketing it, and getting shoppers to buy from it, dealers do all the work. Why not be empowered and have the strength of a finance company and keep the lifetime profit of every auto loan you originate? Agora is putting the dollars back in the “F” in “F&I” with our Additional Loan Profit program.

You sell the car, earn the gross profit on that sale, create the retail installment contract, and submit it to Agora to start earning the Additional Loan Profit over the life of that auto loan.

It’s that simple.

See the Additional Loan Profit Potential

Adjust the sliders below to see the benefit of Additional Loan Profit the AgoraCapital program provides. Your dealership can have the strength of a Finance Company by allowing you to keep the lifetime profit of every auto loan you originate. Speak to a Sales Manager today to learn more.

Terms contained herein are indicative and solely for discussion purposes. Agora makes no representation or warranty with respect to and assumes no responsibility for the adequacy of this presentation as a tool for financial planning nor any by-product of such information thereof.

Agora Guaranteed Funds

We Guarantee a Portion of the Additional Loan Profit on Your First 100 Subprime Auto Loans

Dealers nationwide are receiving huge payouts of the Additional Loan Profit that we guarantee on their first 100 subprime auto loan contracts. This program offers a guaranteed way to build wealth and enhance revenue.

Dealers participating in the program are taking full advantage.

"For us, it was about getting funds at a reasonable cost. We needed a partner who understood the business — someone willing to grow and work with us. We found that in Agora."

Matt Struble

AI-Powered Auto Finance Technology

We trained our patent-pending technology on a vast $350 billion of subprime automotive finance data. Our patent-pending machine learning models utilize that data to predict future performance with 99.1% accuracy.

We use that technology along with generative AI and machine learning to create robust tools that put our innovation in the hands of our dealers helping them make better decisions and grow their subprime auto loan portfolios with safety and soundness.

Dealer Portal

Get an Edge in the Auto Industry

Our centralized hub for managing wealth, tracking funding, and optimizing your portfolio. The Dealer Portal provides a streamlined experience, empowering you to visualize your long-term earnings, monitor funding progress in real-time, and make informed decisions to maximize your profitability—all in one place.

AI-Powered Chatbot

Introducing ALICE

Meet Alice, Agora’s AI support representative at your service. She is available around the clock to guide your journey in the AgoraCapital program.

ALTRUVO™

AI-Powered Desking Tool

Introducing a cutting-edge, AI-powered desking tool that enables you to structure fair and profitable deals for both your customers and your business. It’s the first of its kind, offering real-time, risk-based performance insights to guide every decision.

Agora Program Highlights

Viable path to profit

Earn the finance company revenue you've been giving away by collecting Additional Loan Profit on every loan you write.

Transparent program

Our team will be in constant contact to assist in underwriting, loan servicing, and portfolio management.

No excessive or surprise fees

With no hidden fees, the AgoraCapital program parameters are designed to give you full confidence in seeing your profit.

Fast contract funding

Receive your funding faster with our eContracting platform.

Sell your own F&I products

Sell any F&I product of your choice. Keep your customers and their vehicles protected for the life of the loan.

Fast distributions

Build a non-prime auto loan portfolio, collecting Additional Loan Profit on every loan you write.

Meet Our Dealer Leadership Team

Our experience includes starting and operating successful subprime auto finance companies, running franchise and independent auto dealer groups, successfully securitizing billions in the capital markets, purchasing billions on the auto loan secondary market, managing private equity companies, managing data science teams, leading risk management teams, managing call centers, founding national trade associations, and much more.

Get In Touch

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Still have questions?

What makes AgoraCapital unique?

Agora is the only lender that provides a low risk, turn-key structure for dealers to earn Additional Loan Profit on the subprime loans they originate. AgoraCapital provides abundant upside potential.

What if I already have an auto loan portfolio?

Our programs easily integrate with existing auto loan portfolios.

Can I stop contributing auto loans to the program at any time?

A loan originator can exit and stop sending loans at any time.

What should I expect if I join the AgoraCapital program?

Agora provides the capital to fund your loans, loan servicing, and guidance to help maximize your portfolio performance. This includes underwriting, compliance, and portfolio/cash/asset management.