Non-prime auto finance has always been challenging for independent and franchise dealers. Traditional credit scoring models often fail to capture the full financial picture of
Non-prime auto finance has been changing fast, and dealers everywhere are trying to understand how technology fits into the way they already do business. If
In today’s competitive auto finance market, speed is a critical success factor. Independent dealers operate in an environment where margins are tight, inventory costs fluctuate,
Independent auto dealers face a unique challenge: offering financing to non-prime customers while maintaining a healthy, profitable auto finance portfolio. This is not just about
For independent auto dealers operating in the non-prime space, vehicle valuation is far more than a pricing exercise. It is a strategic cornerstone of smart
By Steve Burke, CEO Agora Data For nearly ten years, I have written and spoken about the relationship between federal tax policy and consumer
Tax season brings a surge of motivated shoppers who use refunds for down payments and vehicle purchases. In 2025 the average federal refund climbed to
Understanding how delinquency trends impact portfolio performance is key to protecting profitability and accessing capital for today’s car dealers. While fluctuations in payment behavior are