Direct Lender
A direct lender provides finance from its own funding line.
Examples include banks and captive finance houses.
Broker Model
A broker works with multiple lenders and matches customers to the most suitable funding option.
Advantages of Broker Model for Dealers
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Wider lender panel
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Higher acceptance rates
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Risk distribution
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Flexibility across credit profiles
When Direct May Work Better
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Manufacturer-backed promotions
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Captive campaigns
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Subvented rate offers
Dealer Insight
Independents benefit from flexibility.
A multi-lender approach reduces dependency risk.
