Helping OEMs and equipment dealers form captive finance companies that align sales, credit, and service.
Objective, decision-grade financial modeling for OEMs and dealership groups considering a captive finance company
Rinaldi Advisory Services® (RAS) is a specialized advisory firm focused exclusively on the equipment leasing and finance marketplace. RAS works with banks, independent finance companies, private equity firms, and increasingly with large equipment dealership groups to design, build, and optimize captive finance businesses.
For equipment dealers, RAS helps dealership groups create their own captive finance companies to gain greater control over the customer relationship, improve the overall sales and financing experience, and reduce reliance on third-party finance providers. By internalizing financing, dealers are better positioned to align credit decisions with sales objectives, enhance customer satisfaction, and provide a more consistent and efficient buying experience for both customers and sales teams.
Services
RAS Captive Strategy & Value Modeling
Captive Strategy & Value Modeling™ provides OEMs and dealership groups with a clear, objective financial foundation for launching a captive finance company.
RAS develops a comprehensive, multi-year financial and operating model that translates strategic objectives—such as improving the customer experience, increasing absorption rates, and enhancing competitive positioning—into projected origination volume, portfolio growth, operating costs, capital requirements, and pre-tax net income. The analysis also incorporates the upfront investment and ongoing costs required to stand up and operate the captive.
This service ensures the captive is intentionally designed to support long-term growth, scalability, and enterprise value, while aligning sales, credit, and service priorities across the organization.
Capital Navigator
Capital Navigator is for captive equipment leasing and finance companies seeking a deeper understanding of their credit facility options. This tailored analysis provides clear insights into pricing, sizing, scalability, advance rates, eligibility criteria, and covenants.
Tech Navigator
Tech Navigator guides you through the complexities of technology in equipment finance. We help you identify risks, uncover opportunities, and build a solid tech foundation for scalable growth.
Agriculture, Construction, & Material Handling Dealer Success Strategies
Unlock new growth opportunities by building and strengthening relationships with agriculture, construction equipment, and material handling dealers. Rinaldi Advisory Services’ Brett Davis provides tailored strategies for success.
Performance Enhancement & Growth Solutions for Independents
Growth-focused services for independent finance companies designed to optimize operations, enhance profitability, and become attractive targets for eventual acquisition.
CCR®: Confidential CEO Resource: Equipment Finance Leaders
Robust advisor access with long-term strategic planning and support for independent lessors at an affordable fixed monthly cost. No nickel and diming for extraneous fees or billable hours.
C3A®: CEO’s Confidential Company Analyst: Equipment Finance Leaders
Meaningful analysis and actionable insights with an eye toward managing growth, operational and financial efficiencies for smaller independent equipment finance businesses doing less than $30 million per year in annual new business volume.