An OEM relationship isn’t a referral source—it’s an extension of the manufacturer’s go-to-market strategy, and if your program isn’t accelerating their equipment sales, you’re already being shopped.
The financiers who dominate this space understand that vendor program success is measured in dealer activation rates and days-to-fund, not in basis points of yield. The economics work precisely because volume compresses operational cost and predictable asset flow enables smarter residual positions. But getting there requires a fundamentally different approach to program design, relationship management, and operational execution.
