Client Story

Bringing Captive Finance Business Back In-house

After 12 Years, Motor Vehicle Manufacturer Turns to Asset Finance

A purpose-driven motor vehicle manufacturer company was looking to reimagine how to deliver more cohesive relationships, build higher-performing teams and find solutions where others don’t. And they wanted to do so by re-entering the asset finance market.

Their core business is the truck and parts markets for the U.S. and Canada, participating primarily in the Class 6 through 8 vehicle markets. With more than a million trucks on the road in the U.S. and Canada, one in five Class 6 through 8 vehicles is an International® truck. Nearly half of all school buses on the road today are their IC Bus® brand. In fact, they have one of the largest commercial vehicle parts distribution networks in the U.S. and a captive finance company.

The client had discontinued their captive finance business 12 years ago and outsourced to banks for financing and account servicing. The new owner decided to restart their captive finance business making this project a de facto greenfield. The client utilized Scania as a positive FIS® reference and pointed the company to evaluate Asset Finance for their new captive finance operations.

To be successful, the company wanted to achieve the following:

  • Standup front office operations and deploy an Origination Portal in the client's dealerships by Q3 2023.
  • Establish full-scale operations supporting their dealer and customer clients, including call center, collections and full back-office on the same timeline.
  • Consolidate front-office and back-office platforms in 2024.
How did FIS help?

FIS was able to demonstrate full lifecycle platform that could be implemented in phases to reduce risk to their operations. We provided FIS thought leadership in the Captive Finance space, making it easy to say yes by listening to their objectives.

About FIS Asset Finance

With highly automated workflow, you can deliver an omnichannel experience, quick and flexible finance options and quotations and on-demand services. Trust our APIs to integrate seamlessly with not only your existing systems but also new digital partners and third-party solutions. Easily incorporate your own business rules and extend the application’s code without relying on your technology vendor.

At a Glance

After 12 years of outsourcing, a large North American motor vehicle manufacturer sought to bring their captive finance back in-house.

FIS Asset Finance

FIS delivered a full lifecycle asset finance platform that could be implemented in phases to reduce risk to the company’s operations.


Company was able to establish full-scale operations supporting their customers and develop a plan to consolidate front and back-office platforms.