Growth financing Leverage their strong funding base and recent securitizations to position complementary credit products or cross-sell insurance, warranties, and auto-related ancillary services to financed buyers, expanding wallet share.

Subprime focus Target partnerships and solutions tailored to subprime borrowers, including risk-managed lending tech, fraud-prevention enhancements, and data-driven customer acquisition channels that align with CPS’s core borrower profile.

Fraud defense Capitalize on CPS’s emphasis on fraud prevention by offering advanced identity verification, transaction monitoring, and ongoing risk scoring services to reduce loss exposure and create joint marketing narratives.

Operational leverage Propose scalable servicing and origination platforms that integrate with CPS’s existing contract purchase model and securitization funding to streamline operations and reduce cost-to-serve in high-volume periods.

Growth partnerships Explore strategic alliances with dealership networks, fintech data providers, and securitization counterparties to expand access to late-model used-vehicle financing and enhance deal flow for CPS.