We offer a host of financial structures
Risk Theory Dealer Advisors (RTDA) has unmatched optionality and flexibility to provide Dealers with the most competitive, custom tailored and cost-efficient profit participation programs in the industry.
Producer Owned Reinsurance Company (PORC/CFC)
The dealer, or persons designated by the dealer, generally are the majority shareholders of the CFC and have all the authority over how the business is organized and managed under applicable law. Commonly domiciled in Turks and Caicos Islands (or similar), they can be formed quickly and enjoy a less burdensome regulatory environment.
Dealer Owned Warranty Company (DOWC)
Dealers forms a separate C-Corp as an Obligor company licensed in all states where Dealership(s) are located. The DOWC then, in essence, becomes the product provider and has significant control over the program details.
Contingent Compensation Agreement (RETRO)
A retro arrangement is a contractual agreement between the F&I product provider and the producing dealership(s), where the provider agrees to return a portion of the underwriting profits associated with the dealership(s) production under specific conditions.