AgoraCapital

Why are you giving the profit you generate to your subprime lenders?

Agora allows you to keep the profit you're giving away to your subprime lenders. The best part is that you don’t have to change your dealership's existing operations.

Did you know that

$ 0

of profit is not captured per sale?

You’re handing this profit to your subprime lenders on every retail installment contract you sell them.
white car

Keep the Excess Net Cashflow on the subprime auto loans your dealership originates.

Your dealership could be making $10,000 extra on each subprime auto loan originated without changing anything about your current operations. Send the contract to Agora through Dealertrack or RouteOne instead of your current subprime lenders. Your dealership keeps the excess Net Cashflow they would have made.

Keep your profit. It’s that simple!

Example Transaction Comparison

Agora

Retail

Amount Financed

$32,200

$24,150

Loan to Value (LTV)

140%

105%

Net Check / Day 1 Advance

$23,345

$23,150

Lifetime Excess Net Cashflow

$14,180

$0

Finance more subprime customers, sell more cars, and make more money.

Designed for franchise 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.

Finance company revenue

Earn the finance company revenue you've been giving away by collecting the excess net cashflow on every loan you write.

Transparent program

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

No hideen fees

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

Risk mitigation

With over $7 billion in loan analytics, we’re redefining risk management for smarter, safer lending.

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 contract funding

Receive your funding faster with our eContracting through Dealertrack and RouteOne.

Low cost capital

Finance more subprime customers and sell more cars.

Sell the car and create the retail installment contract like you do today. Then send the contract to Agora rather than your current subprime lender. You keep the finance profit that your current lender earns.

The AgoraCapital program scales with you. Fuel your ability to thrive, compete, and keep the income that you currently generate for others.

dealership showroom

Last year, AgoraCapital paid out more than 7% in excess net cashflow to dealers over the original advance.

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7 percent distribution

Minimizing subprime auto loan portfolio risk

Our machine learning models are trained with one of the nation’s largest data sets: over $350 billion in auto loan principal balance, enabling you to achieve scalpel-like predictability.

Our technology, financial tools, industry experience, and capital enable you to build a subprime auto portfolio. Keep the profits you’re giving away today.

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Start Making More with AgoraCapital.

Get access to abundant low-cost capital.

Still have questions?

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

Our programs easily integrate with existing auto loan portfolios.  

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

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. 

Start Making More With AgoraCapital

Get access to unlimited, low-cost capital to use any way you want. See if AgoraCapital would benefit your business.

Leading-edge analytics gives you leading-edge power

Sign up for a free account and gain access to our state-of-the-art auto loan portfolio analytics tools.