Strategic partnership Proforma Fund already has an alliance approach with credit unions and dealerships and recently signed CUNA Strategic Services as a client. This suggests a scalable channel for partnerships, making it a strong angle for expanding enrollment of additional credit unions and dealer networks into their program.

Nonprime auto lending The company focuses on improving loan-to-share ratios by offering nonprime auto loans with reduced risk through end-to-end servicing and guaranteed no charge-offs. This positions them to target credit unions facing tighter yields and balance sheet pressures seeking diverse but safer loan assets.

Risk-free servicing Proforma Fund provides full servicing on new auto loans and guarantees no charge-offs, which can be marketed as a compelling value proposition to potential credit union partners looking to stabilize portfolios and improve financial metrics without increasing risk.

Tech-enabled operations Utilizes a cloud-based and CDN-backed tech stack (AWS, Cloudflare, plugins) for scalable online operations. This indicates potential for selling additional tech integrations or white-labeling capabilities to partners seeking efficiency and reliability.

Market opportunity With industry pressures like declining loan-to-share ratios and lower investment yields in credit unions, Proforma Fund is positioned to address a growing market need for diversified auto lending solutions, presenting a clear cross-sell or up-sell opportunity to financial institutions seeking portfolio optimization.