Stop Giving Away Your Profit and Customers

From auction, to reconditioning, to marketing, to closing the sale – your dealership works hard for each retail contract. Your dealership deserves to earn more on each deal. Agora provides access to capital and believes in empowering dealers like you to be more successful.

Ready to sell more vehicles, maximize your profits, and keep your customers? Join the Dealer Revolution today!

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Sell More Vehicles

Your dealership is busy and needs to take action fast. Close more deals with fast funding through Agora.

Maximize Your Profits

Fuel your dealership’s growth with additional cash flow. Get paid 3 ways on every contract you originate with Agora.

Keep Your Customers

Agora offers flexible stipulations to help expand your customer base and reduce risk on subprime customers through advanced analytics.

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

From stocking your lot, marketing it, and getting shoppers to buy from it, dealers, like you, do all the work. With Agora’s Additional Loan Profit program, your dealership has the ability to sell more vehicles every month because you keep the lifetime profit of every auto contract you originate.

You sell the vehicle, 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 contract.

It’s that simple.

Agora Guaranteed Funds

Dealers Nationwide Are Receiving Huge Payouts On Their Subprime Auto Contracts

Check out dealers who are making more money through Agora Guaranteed Funds.

Selling 10 more vehicles every month

“I advise everybody, if you do subprime, sign up with Agora and you’re going to see your revenue increase.”

Selling 8 more vehicles every month

“With Agora, we know what to expect. We are excited about the opportunity for long term money and love the Agora program.”

Selling 15 more vehicles every month

“Agora gives us the flexibility to structure deals for front end or back end gross.”

Selling 8 more vehicles every month

"I want to say thanks to Agora for coming along and helping Space City Auto Center reach our maximum potential.”

Selling 18 more vehicles every month

“Working with Agora, Cavender’s improved our inventory strategy and recon approach which greatly improved our success.”

Selling 2 more vehicles every month

“Having Agora at our first location has helped us launch our second location. Agora has been essential to growing our business.”

Selling 10 more vehicles every month

“The Agora program is easy and simple. Callbacks are quick, internal support is great. I wish I had signed up sooner.”

Selling 12 more vehicles every month

“Agora is honest, and they deliver what they have promised.”

Selling 12 more vehicles every month

"Funding is incredibly easy with Agora. They are flexible on stips.”

Selling 6 more vehicles every month

“The program is good and the people at Agora are great! There is a lot of flexibility with the program.”

Selling 5 more vehicles every month

"Agora has been a great partner and our funding continues to get faster and easier."

Selling 5 more vehicles every month

“The Agora program gives people another chance. Customers have the ability to restart and reset.”

Selling 12 more vehicles every month

"Agora is a great program that will help independent dealers grow their business."

Selling 3 more vehicles every month

"The Agora team is so easy to work with and we love our dedicated Account Manager."

Selling 7 more vehicles every month

"We love the Agora program and have seen success since day 1. We love AGF!"

Selling 3 more vehicles every month

"Agora's program is helping us close more deals every month and the team is always great to work with."

Selling 3 more vehicles every month

"Agora is quick to help solve issues and make funding easier."

Selling 8 more vehicles every month

“Agora is easy to work with. We have good communication.”

Selling 10 more vehicles every month

“Funding is great! Agora’s capacity and speed are unmatched. Agora works with their dealers to maximize the structure.”

Selling 6 more vehicles every month

“Agora’s buying and funding are great! Agora tries to make a deal happen. It’s like working with people that really know you.”

Selling 2 more vehicles every month

“Gives people with limited credit an opportunity to buy cars. Agora is competitive on the right customer.”

Selling 6 more vehicles every month

“Agora does not require a huge down payment and they do not penalize the dealer based on the car submitted.”

Selling 8 more vehicles every month

“Agora is in their own lane. The callbacks give every customer an opportunity.”

Selling 3 more vehicles every month

“The program fits our clientele and gives us better options. It’s easy to identify a customer and structure that works well with the Agora program.”

Selling 3 more vehicles every month

“We like how Agora buys the deals. The program fits our clientele.”

Selling 4 more vehicles every month

“We love the fast approvals because we quickly know where we stand.”

Selling 10 more vehicles every month

“Agora buys well. The support team is there when we need them.”

Selling 10 more vehicles every month

“Agora allows me to retain even more customers.”

Selling 3 more vehicles every month

“Everyone is very helpful. The program is easy, and we know what Agora is looking for.”

Selling 4 more vehicles every month

“The Agora program works. It’s important to have the right income, and the right cars.”

Selling 2 more vehicles every month

“We love building a portfolio. Thanks Agora.”

Selling 5 more vehicles every month

“The Agora program is easy and everything is well defined.”

Selling 3 more vehicles every month

“We are really happy with the program. Agora is giving us good calls and our location and inventory really fit the program.”

Selling 10 more vehicles every month

“Agora is helping us get a lot of subprime customers into cars in our community.”

Selling 5 more vehicles every month

“Callbacks with Agora are good! They accept more cars and customers which gives us more opportunities.”

Selling 10 more vehicles every month

“We love Agora and the bonus income. It’s a match made in heaven.”

Selling 10 more vehicles every month

“Agora is giving good callbacks and getting deals done. They are delivering on their promise. My sales team is fired up!”

Selling 5 more vehicles every month

"We love the Agora team! They continue to help us sell more cars."

Selling 10 more vehicles every month

“Agora’s approvals fit our customers and vehicles. They are allowing us to sell more vehicles!”

Selling 2 more vehicles every month

"We are very pleased with Agora and they have become one of our top subprime lenders."

Selling 5 more vehicles every month

“Agora works for my customers. It’s an easy program with a great support team because the people actually listen.”

Selling 5 more vehicles every month

"Agora continues to be a great partner for us and we are loving the full team."

Selling 5 more vehicles every month

“Agora gives our customers a stronger opportunity to drive a more dependable, better vehicle. The program is easy!”

Selling 3 more vehicles every month

“Agora has become one of our primary lenders. The program makes our job easier!”

Selling 5 more vehicles every month

"Agora is filling a huge need at our store and allowing us to sell more cars."

Selling 2 more vehicles every month

"With Agora, we have been able to close 3-4 more deals a month. They have a great team."

Selling 3 more vehicles every month

“Agora’s approvals fit our customers and vehicles. They are allowing us to sell more vehicles!”

Selling 3 more vehicles every month

"We love Agora!"

Selling 3 more vehicles every month

"Agora has been a great partner and helps us close more sales every month."

Selling 5 more vehicles every month

“We love Agora’s fast responses. Funding is quick on clean packages and the program has strong underwriting.”

Selling 3 more vehicles every month

"Agora buys very well for our customers and has helped all of our stores immensely."

Selling 3 more vehicles every month

"We've been able to grow all of our dealerships at a fast pace with Agora's funding."

Selling 3 more vehicles every month

"We've been able to grow all of our dealerships at a fast pace with Agora's funding."

Selling 3 more vehicles every month

I love the Agora team and they are a great partner for our business."

Selling 3 more vehicles every month

"We have been extremely pleased with the Agora program and they continue to help us find ways to go with our subprime customers."

Selling 2 more vehicles every month

"Agora always helps to find solutions and is helping us grow quickly."

Selling 5 more vehicles every month

"Agora Guaranteed Funds have led to us funding many more contracts and growing with Agora!"

Selling 5 more vehicles every month

"We can't wait to keep doubling our business with Agora"

Selling 3 more vehicles every month

"Agora's funding has been a huge help to our business and continues to improve."

Selling 3 more vehicles every month

"We have multiple locations that are having a ton of success with Agora."

Selling 7 more vehicles every month

"Agora has been a help to our store and the entire state of NC."

Selling 3 more vehicles every month

"Agora is a great partner for our subprime customers."

Selling 5 more vehicles every month

"The Agora team is awesome!"

Selling 5 more vehicles every month

"We love Agora and have had a ton of success with them already. They are helping us grow our portfolio very quickly!"

Agora Programs and Highlights

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 contract. We handle the heavy-lifting by funding and servicing your contracts, 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.

Viable path to profit

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

Fast distributions

Build a subprime auto loan portfolio, collecting Additional Loan Profit on every contract you write.

AI-Powered Auto Finance Technology

We trained our proprietary technology on a vast $350 billion of subprime automotive finance data. Our machine learning models utilize that data to predict future performance with extreme 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.

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.

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 contracts 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 contracts at any time.

What should I expect if I join the AgoraCapital program?

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