Market Size
$19.3B
Subprime Auto Lending Market (2025)
22.1%
Subprime/Deep Subprime Share of All Auto Loan Debt
12.7M
New Loans Jan-June 2025 ($381B Total)
~2.8M
Estimated Subprime Originations Annually
The Delinquency Crisis
6.6%
60+ Day Delinquency
Highest since 1994
1.73M
Repossessions (2024)
+16% YoY
2.3M
Loan Defaults (2024)
+43% vs 2022
10.5M Projected Assignments (2025)
Expected Actual Repossessions: 3+ million vehicles
Critical: Lenders must re-title repossessed vehicles before sale.
Without clear title, vehicles cannot be sold. Each day of delay costs $36 in holding fees.
The Title Processing Problem
Processing Cost
$20-25
per title
Total Delay Cost
$756
per vehicle (21 days)
Annual Cost
~$1M
for 40K titles
Industry Standard Processing Time
12-21 days
@ $36/day holding cost
Our Solution: Accelerated Processing
Industry Standard
12-21 days
21 days
Cost: $756 in holding fees
Our Processing Time
4-6 days
6 days
Savings: $288-612 per vehicle
Our Capabilities
Title processing in all 50 states
Accelerated re-titling process
Perfect titles at origination
Maximize recovery value
POTENTIAL ANNUAL SAVINGS
$11.5M – $24.5M
in holding costs alone
For lenders processing 40,000 titles annually
