The situation
Kawasaki and ITOCHU wanted their own U.S. captive finance company for Kawasaki dealers and customers. There was no entity, no systems, no credit programs and no team. The whole operating business had to be stood up on a tight clock.
What we did
- Built the company: entity, vendor stack, credit policy, org design and dealer onboarding, with a weekly operating review for the Kawasaki and ITOCHU principals
- Negotiated and signed the full technology and data stack: origination, servicing, dealer portal, credit bureaus and payments, with outside counsel on every contract
- Wrote the founding credit programs, rate sheets, product business cases, and titling and servicing procedures
- Ran the sales finance and debt servicing licensing program across all 50 states and D.C. in four phased waves
- Designed the org and built the team from zero to 40+ roles across finance, credit, IT and data science
The result
A fully licensed, staffed and systemized captive lender, running in production and handed to permanent leadership with a complete operating package in 2026.
4 months
kickoff to first loans booked
1,000+
dealers enrolled across all 50 states
40+
roles hired from zero
6
vendor and bureau contracts negotiated