Portal
Captive-
as-a-Service
for OEMs
One unified captive platform, embedding finance everywhere your product sells.
Over $3 billion funded
Powering multiple Fortune 100 captive programs
1,000+ partners
The maze
Building a captive program is hard
It means running a credit team, managing funder relationships, a servicing function, and a new technology stack in every market.
So don’t build it. Run it.
Unified finance
One finance experience, everywhere you sell
Price your finance instantly and accurately.
Agentic channel data extraction, classification and pricing, with full subsidy and RV support.
Offer the same experience in every market and channel.
One platform, one brand and consistent customer journeys everywhere your product sells.
Complete journeys out of the box, or customise with headless delivery.
Use our market-leading customers journeys out-of-the-box. Or take the same pricing, credit and funding services headless and deliver them your own way.
White-label everything your customer sees.
Maintain full control over branding, funding sources, customer journeys and reporting. Valiant is the infrastructure bringing your vision to life.
Northwind Capital- Opportunities
- Quote Explorer
New Opportunity
Opportunities
5 open · $416,100Customer Amount Term Status Cedar Ridge HealthNW-40881 $86,000 36 mo Awaiting buyer Meridian LogisticsNW-40874 $142,500 60 mo Documents sent Vance ManufacturingNW-40862 $58,800 48 mo In credit Halden FreightNW-40855 $31,200 36 mo Quote sent Oakline RetailNW-40840 $97,600 48 mo Funded NorthwindYour finance offer
Cedar Ridge Health
- Equipment$86,000
- Term36 months
- End of termFair market value
$2,361 per month
Includes Northwind equipment subsidy
Accept offerAsk a question9.95% p.a. over 36 months with a 20% residual.
The panel
A market-leading panel of funders
Bring your own panel, or use ours.
Valiant can integrate new funders in weeks, not months, or you can use our pre-integrated market-leading funders
We integrate the way each funder really works.
Direct API where they have one, automated email or file transfer where they do not. We meet funder processes where they are.
Maximize approvals with decline re-directs
You set the cascade rules; the deal moves to the next funding partner without restarting or re-keying.
Your paper or your funders
Flexible origination and servicing structures for balance sheet or partner funding
Structures available across the panel
- FMV lease
- Finance
- Dollar out
Funder types on the panel
- Prime funders
- Credit story funders
- Banks
- Independents
Features available
- Embedded terms
- Pre-funding
- Line item subsidies
- Custom rate cards
Every channel
A solution for all your channels
Reseller channel
Your resellers quote finance themselves.
Bring the long tail of resellers onto your Program with self-service quoting, on your rate tables and under your brand.
- Reseller portal
- Self-service quoting
- Your rate tables
Retail
Finance at the counter, on the same terms.
Storefront and centralized Account Managers get seamless access to the same pricing and journeys with in-built training materials and support
- In-person quoting
- Assisted journeys
- Training and support
E-commerce
Seamless finance in the checkout
Customers can checkout with market-leading rates with up to 5 year terms. BNPL-level experience with bank-grade rates.
- Embedded checkout
- Basket-aware pricing
- AI Assistant
Headless
Your front-end. Our infrastructure and AI harness.
Take the same pricing, credit and funding services and deliver them through your own interface.
- API
- SDK
- Webhooks
- Ask Valiant
Deals funded · last 12 weeks
389funded in the period
Northwind
Finance proposal
1.99%
per annum
Promotional rate.
- Financed
- $86,000.00
- Term
- 36 months
- Monthly
- $2,462.89
Finance application
Submit application
I'm sitting with a customer who doesn't know their EIN. Do they need to know it to start?
No — I can pull it from their business name. I've filled in the address and trading history too. Just check the revenue figure with them before you submit.
Northwind
Pro 14 business laptop
14″ display · 32GB memory · 512GB SSD
$2,499.00
or $106.30/mo. for 24 mo. with Northwind Finance
Add to BagJL Jordan Leeto Northwind Finance11:02
When does the first payment come out, and can I settle it early?
FA Finance agentto Jordan11:02
First payment is 30 days after delivery — $393.72. You can pay it out any time with no exit fee.
Checkout
- curl https://api.valiant.finance/v1/quotes \
- -H "Authorization: Bearer $VALIANT_API_KEY" \
- -H "Content-Type: application/json" \
- -d '{
- "program_id": "nw-us",
- "customer": { "ein": "47-2013886" },
- "lines": [
- { "sku": "NW-P14-512", "qty": 4, "unit_price": 249900 }
- ],
- "terms": [24, 36, 48],
- "structures": ["fmv", "grv"]
- }'
- // 200 OK
- { "quote_id": "qt_8Kd2", "options": [
- { "term": 36, "monthly": 39372 },
- { "term": 48, "monthly": 29820 }
- ] }
Price a 48-month structure for Cedar Ridge and draft the proposal.
Pulled the account and the open quote. Running three term variations now — I'll draft the proposal from whichever you pick.
Refresh
Drive the next sale automatically
Every financed asset carries its own end-of-term clock. Returns, buyouts and upgrades are automatic customer journeys driving the next sale before your competitor knows the customer in on-market.
That is the difference between financing a sale and owning the customer lifecycle.
Run and control
Enjoy complete program control and visibility
- Control the settings Pricing, residuals, subsidies and promotions are yours to control. Changes can be timed to sales, new product releases or set manually.
- Unparalleled visibility A complete reporting suite on quoting, application, approval and funding activity at every part of the funnel.
- Bank-grade audit trail Every action is logged, linked to user accounts and recoverable.
Quotes issued · last 12 weeks
Current funnel
FAQ
Frequently Asked Questions
- 01Do we have to move off our existing funders?
No. Valiant comes pre-integrated with a range of market-leading funders that you can use, but if you work with other funders, we can integrate with them so you can keep your finance experience fully unified through Portal.
- 02Whose brand is the buyer dealing with?
Yours. Your brand on the experience, your pricing, your promotions and your relationship with the buyer. Valiant is the rails underneath making your finance program run smoothly.
- 03Does Valiant fund transactions itself?
No. Valiant is the distribution and technology infrastructure connecting vendors, funding partners and business customers. The funding panel partners provide the capital and make the credit decisions.
- 04What does going live actually involve?
A thirty-minute conversation first, mapping your channels, customer journeys and your funding partners. We then white-label the journeys and tools that you need for your specific program. A typical implementation runs for 2-3 months depending on configuration and customization.
Let’s discuss your captive strategy and your timeline
Thirty minutes. We’ll map your channels, your funding partners and what going live actually takes — and you’ll leave with that map either way.
Embedded enquiry
Every sale, instantly financeable
One portal to the market’s leading funders.
Get in touch