Octane Captive-as-a-Service enables auto dealer groups to launch in-house captive financing companies. The solution handles underwriting, loan processing, loan servicing, and collections while dealers set earnings targets and build loan portfolios. Dealers earn interest income from originated loans and retain customers within their ecosystem through white-labeled financing. Octane provides digital prequalification, 24/7 loan decisions, and dealer support. Implementation occurs within approximately 4 weeks. The service targets franchised pre-owned dealer groups in the United States.