30 years inside auto lenders. Now building the alternative.
Brivio's founders spent three decades running auto lending inside the largest banks, OEM captives, and fintech. Now they're making dealer-owned captive finance accessible to every dealer group.
What we saw from the inside.
The auto finance system has a quiet imbalance. A dealership sells the car, builds the customer relationship, and arranges the loan … handing the keys to a lender that takes most of the economics. The lender also gets the customer, the data, and the payment history. The dealership did the heavy lifting of marketing and bringing in the customer. The value happens elsewhere.
A handful of the largest dealer groups figured out how to fix this: they built their own captive lenders. Until now, that path required tens of millions in capital and over a year to build. Nearly every other dealer group stayed on the sidelines.
What we're doing about it.
We spent three decades inside auto lenders, leading businesses that generated over $75 billion across the largest U.S. bank, OEM captives, and a leading consumer fintech. We know how this business actually works because we've operated at scale.
We're building Brivio because launching a captive lender shouldn't be reserved for the few dealer groups with the capital to build one from scratch. The infrastructure exists to make this accessible. The capital markets are open to dealer-originated paper. The technology can be assembled rather than built from scratch. The only thing missing was a team that understood every layer of the stack well enough to bring it together. That's us.
The founders
Charles Do – Founder & CEO
Bank. Captive. Fintech. One of the few auto finance executives to have led businesses inside all three.
Charles spent the early part of his career at GMAC and lived through the 2008 financial crisis as it became Ally Financial. At JPMorgan Chase, he led three auto finance businesses, including the bank's white-label captive program for Jaguar Land Rover. He later launched Best Egg's auto lending business as Head of Auto. Most recently led Harley-Davidson Financial Services through a landmark forward flow transaction with KKR and PIMCO, including a 9.8% equity sale of the business. LinkedIn
Ben Lee – Co-Founder & COO
Priced and scaled auto lending businesses across the largest institutions in auto finance.
Ben began his career in GE Capital's Financial Management Program before joining Ally Financial in 2010, where he ran stress testing as the bank rebuilt under post-crisis regulatory scrutiny. At JPMorgan Chase, he led pricing across the bank's auto originations portfolio, including the white-label captive programs for Mazda, Subaru, and Jaguar Land Rover, before continuing that work at Santander. He later joined Best Egg to help build and ultimately led the auto lending business. LinkedIn
Together, we've spent three decades inside auto finance … running captives, leading pricing, and operating through every condition the market throws at lenders. If you're a dealer group ready to own your lending economics, let's talk.