Captive-in-a-Box

Form Your Own Captive.
Control the Lending.
Keep the Profit.

DCS gives franchise dealers everything they need to launch an in-house leasing company, manage collections, coach customers back to prime credit, and generate outsized returns — all built by dealers, for dealers.

Book a Discovery Call

A complete, turnkey lending operation - Day One.

Captive-in-a-Box is a complete, turnkey program that allows franchise dealers to form their own in-house leasing captive — without the complexity.

You get the technology, training, compliance infrastructure, and ongoing support to run your own lending operation from day one. You control who you lend to, how you collect, and how you profit.

Captive-in-a-Box is a complete, turnkey program that allows franchise dealers to form their own in-house leasing captive — without the complexity.

You get the technology, training, compliance infrastructure, and ongoing support to run your own lending operation from day one. You control who you lend to, how you collect, and how you profit.

Book a Discovery Call

The Opportunity

The Market Nobody
Is Talking About

25%

of consumers are subprime
(below 600 credit score)

$1T

The Hispanic market alone represents $1
trillion in buying power — and is growing.

$487B Fleet

The last-mile delivery market by 2035 —
projected to nearly triple in under a decade.

Most franchise dealers send that revenue to a third-party lender.
Captive-in-a-Box lets you keep it.

The Technology

The entire program runs on the DCS platform — the same
software built exclusively for in-house lenders. Everything is
integrated, automated, and cloud-based.

Built Around Four Things That Matter Most

The Four Pillars

Funding

You decide when to say yes. Self-fund, floor plan, reinsurance, or a blended model — DCS structures around your capital strategy.

Funding

You decide when to say yes. Self-fund, floor plan, reinsurance, or a blended model — DCS structures around your capital strategy.

Selection

AI-powered underwriting with AutoLend IQ. Bias-free decisioning, ML-enhanced credit models, and structured interview processes to find the right customers.

Selection

AI-powered underwriting with AutoLend IQ. Bias-free decisioning, ML-enhanced credit models, and structured interview processes to find the right customers.

Collection

Automated payments, GPS starter interrupt, insurance tracking, and a full-service correspondence and repossession process — all built in.

Collection

Automated payments, GPS starter interrupt, insurance tracking, and a full-service correspondence and repossession process — all built in.

Protection

GAP insurance, warranty, CPI, GPS, contingent liability coverage. Your assets are secured at every stage of the deal.

Protection

GAP insurance, warranty, CPI, GPS, contingent liability coverage. Your assets are secured at every stage of the deal.

Real results from Real Dealers

The Numbers Don’t Lie

These aren't projections. This is a 36-month snapshot from active
dealers running the Captive-in-a-Box program.

870+

leases generated

$6.5M

total gross generated

$14K

average total gross per deal

54%

used car customer retention

+160

average credit score improvement

54%

Lease-to-Retail conversion rate

One deal. For revenue streams.

How you make money

REVENUE STREAM

PER DEAL

Dealership Front-end Gross

$5,000

Leasing Company Revenue

$3,700

Conversion Sale (at term end)

$5,300

TOTAL GROSS PER DEAL

$14,000

$2.5M+

At just 25 deals per month, that’s over $2.5M in annual dealership revenue, and

$1.25M+

in yearly leasing company profit.
You create the value — you own it.

Retention Starts at the Point of Sale

Credit Coaching as a Service

Most dealers lose the customer after the deal. Captive-in-a-Box keeps them engaged. Our Credit Coaching as a Service program guides customers through their lease term, improving their credit scores and setting them up to qualify for traditional financing — right when your vehicle is coming back.

+50%

customer
retention rate

+160

average credit score
improvement

$0

no customer acquisition
cost on the conversion sale

Below-
wholesale

vehicles return at below-wholesale
cost — ready for your next deal

We don’t just hand you the keys

Training & Support

You get six months of structured onboarding with a team that has 40+ years of automotive retail experience — including a dealer principal who built this program from the ground up across five rooftops.

Getting started operations,
first deals, deal structure review

Process & culture underwriting,
inventory optimization, marketing strategy

Accounting monthly closings,
P&L, balance sheet, bank reconciliation

Sales remarketing of terminated
leases, conversion   process

Daily operations support, standard hours 8am–6pm EST.

Form Your Own Captive.Control the Lending.Keep the Profit.