Your auto finance company. Our infrastructure.
All the economics. None of the build. Brivio lets dealer groups launch their own auto finance company – keeping the spread, the data, and the customer relationship – without the startup capital or the 12-month build.
How it works: your brand on every loan – in under 90 days.
1. Agree to terms.
Sign our agreement. Then, do the one thing banks never let you do … put your name on the loan.
2. You set the pricing.
We walk through the economics together – baseline versus adding margin, and how each approach stacks up against the competition. We agree on a range that works for both sides. Then you decide where to land.
3. We look under the hood.
Your loan volumes, credit mix, and what you're earning today from markups and flat fees. We build the picture, then show you exactly what you're leaving on the table.
4. We get to work.
Your branded portal gets built. Your program goes into the tech stack. We train your F&I team so day one feels like business as usual. You don't lift a finger.
5. You're live.
Your team routes deals to your new finance company. From this point, every funded deal builds your portfolio, your customer data, and your economics. The bank no longer gets that – you do.
The average dealer rooftop routes $30mm in loans annually to banks and credit unions. Every one of those loans is margin and customer data you don't own. That changes on day one.
The reality: lenders get paid for months, for years. You got paid once.
Once
How often you got paid on that loan.
3 to 5 years
How long the lender will collect on it. Every single month.
100%
Of the customer relationship and data that went with it.
Why Brivio: built for dealers. By people who've run auto lenders.
One partner. Total accountability.
Licensing, compliance, underwriting, servicing, capital markets. We coordinate the full stack, so you don't have to. When something needs attention, you call us. We handle it from there.
This is the only thing we do.
Auto-native from day one. Not a powersports pivot, not a consumer fintech adding cars, not a side project. Full-spectrum credit – new and used, prime through subprime – because that's how your dealership makes more.
You're not our experiment.
Our founders have led auto lending businesses inside the largest US bank, captive lenders, and a leading consumer fintech, generating over $75 billion across three decades. We've operated through credit cycles, capital markets dislocations, and regulatory change. We're doing it again, this time for you. Meet the founders →
We win when you win.
No major capital commitment, modest setup and subscription fees. You bring the loan volume; we bring the infrastructure. No long-term commitments – we earn your business every month. Our economics are tied to yours: we don't win unless you do.
Apply to partner with Brivio Capital
Ready to own your lending economics? Get in touch to launch a dealer-owned auto finance program.