Company Profile

Innovate Auto Finance, Loan Portfolio Servicing and Caprock Auto Remarketing are The Innovate Companies. We offer bulk portfolio purchases, auto loan and lease servicing, vehicle remarketing and consulting services. Since our foundation in 2009 our mission has been to generate returns for our investors, efficiently servicing client portfolios and remarketing collateral, while maintaining expected levels of client service and customer satisfaction.
The Innovate Companies
Innovate Auto Finance specializes in purchasing auto portfolios of all sizes in the less-than-prime credit tiers. We offer forward-flow or pass-through programs, collateralized lines-of-credit and managed services such as third-party servicing and collections. We provide a turn-key solution for investors who wish to purchase auto loan portfolios. You tell us what portfolio attributes you are looking for and we will find the portfolios, manage the credit review process, underwriting, verifications and funding.

Led by a proven management team with decades of experience in the automotive finance industry at Innovate Auto Finance we are committed to your success. Integrity, trust, and collaboration allow us to cultivate and foster long-term partnerships with our business customers. One of our driving forces is our passion to offer certainty and consistency to your origination platform.

We are licensed and do business with BHPH, Independent and Franchise dealers, finance companies, banks, and credit unions. We have the capital, commitment, and experience to be a partner you can depend on during all business cycles.
Focus on your origination strategy while we raise your portfolio's performance. Increase your agility and reduce your operational expenses. Our loan acquisition products offer flexible terms, fast funding, and seamless borrower transition. Your customers are our customers, and we take great care and pride in the transfer of servicing. Borrowers have the ability to pay online or over-the-phone within 24 hours of funding.

Our approach offers:

• Competitive pricing
• Customized sale terms
• Fast funding
• Smooth and efficient borrower transition
• Best-in-class loan servicing
• Personalized attention pre and post portfolio sale