Mobility Trust Group
Mobility Trust Group is a Richmond, Virginia-based specialty finance company that originates and services loans for wheelchair accessible vehicles and accessibility equipment, serving people with physical disabilities through a national network of over 200 dealer partners and its CDFI-certified lending subsidiary.
- Company typePrivate
- Founded2018
- HeadquartersRichmond, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Mobility Trust Group does
Mobility Trust Group is a privately-held specialty finance company headquartered in Richmond, Virginia, that originates and services loans for assistive technology purchases by individuals with physical disabilities. Founded in 2018 by consumer lending veteran Craig Baker, the company operates a national financing program across two product lines: wheelchair accessible vehicle financing and accessibility equipment and home modification financing, covering home elevators, stair lifts, platform lifts, wheelchair lifts, ramps, accessible bathrooms and kitchens, and ADA modifications. Its core operating subsidiary, Mobility Credit Acceptance LLC, holds NMLS license #70460 and is licensed as a sales finance company across more than 15 U.S. states; in August 2025 it received U.S. Treasury Community Development Financial Institution (CDFI) certification, granting access to federal funding, private grants, and mission-aligned banking relationships.
The company's technology platform comprises a dealer-facing portal (mobilityacceptance.apptraker.com) for application management, a customer payment portal (mymobilitytrustaccount.com) available via web and mobile applications on iOS and Android, and a 24/7 automated phone payment system. Underwriting departs from standard FICO-based credit decisions, instead evaluating the applicant's full profile with no minimum FICO requirement, offering fixed rates and terms up to 10 years. Distribution is executed through a national network of over 200 dealer partners — wheelchair accessible vehicle dealers and accessibility equipment manufacturers and dealers — each supported by dedicated Managing Directors. Capital is sourced through a $10 million revolving asset-based loan facility from TAB Bank (October 2024) and a separate $1 million raise (July 2025), with a Regulation D 506(c) investment offering extending access to accredited investors.
Revenue is generated primarily through interest income and origination fees on the loan portfolio, supplemented by servicing income on originated loans. Customer segments are bifurcated between end borrowers (individuals with physical disabilities, an addressable market of approximately 36 million Americans) and B2B channel partners (dealer network and equipment manufacturers). The company pursues a mission-aligned operating model reinforced by an Accountability Board composed of disability community representatives, partnerships with disability advocacy organizations including Bridge to Mobility and SourceAmerica, and language interpreter services via Jeenie to serve Limited English Proficient borrowers.
Mobility Trust Group firmographics
Firmographics- Name
- Mobility Trust Group
- Legal name
- Mobility Trust Group LLC
- Website
- https://mobilitytrust.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Mobility Trust Group is a Richmond, Virginia-based specialty finance company that originates and services loans for wheelchair accessible vehicles and accessibility equipment, serving people with physical disabilities through a national network of over 200 dealer partners and its CDFI-certified lending subsidiary.
- Ownership category
- akta.pro rank
Mobility Trust Group industry classification
Industry- Product category
- Disability Assistive Technology Financing
- NAICS
- Services for the Elderly and Persons with Disabilities (62412)
- SIC
- Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Medical & Mobility Device Leasing (Consumer) (FSAKANAJ)
- akta.pro secondary industry
- Disability Services & Assistive Solutions (Accessibility, Assistive Tech) (BPAGALAM)
Keywords
Where Mobility Trust Group is headquartered
LocationHeadquarters
- HQ city
- Richmond
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Mobility Trust Group business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Assistive Technology Financing: Mobility Trust Group originates and services loans to purchase assistive technology products including wheelchair accessible vehicles, wheelchairs, personal mobility devices, ramps, lifts, home elevators, and ADA modifications. Revenue is generated through interest on loans and financing fees.
- Asset-Based Lending: TAB Bank provided a $10 million revolving asset-based loan to support Mobility Trust Group's growth in financing assistive technology products and accessible vehicles.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Prime Program - Low down payments and extended terms for qualified applicants |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels4 records
Mobility Trust Group product offering
Product offeringCore offering
Mobility Trust Group is a national finance company that originates and services loans for assistive technology products for people living with physical disabilities. Through its subsidiary Mobility Credit Acceptance (MCA), the company provides financing for wheelchair accessible vehicles, home elevators, stair lifts, platform lifts, personal mobility devices, ramps, and home modifications. Loans are distributed via a national dealer network of over 200 partners and feature fixed rates, terms up to 10 years, and a holistic underwriting approach that does not rely solely on FICO scores.
Product overview
Mobility Trust Group is a national finance company offering a unified portfolio of financing solutions for people with physical disabilities. The core offering consists of two main financing products — Wheelchair Accessible Vehicle Financing and Accessibility Equipment & Home Modification Financing — both administered through its servicing affiliate, Mobility Credit Acceptance (MCA). MCA provides loan origination and servicing, a customer payment portal (web and mobile app), technical assistance with credit counseling and language interpreter services (via Jeenie), and a Financial Confidence Resource Center offering educational content. A dealer-facing portal supports a national network of over 200 dealer partners.
Differentiator
Problem solved
Functional benefit
Products and services
- Wheelchair Accessible Vehicle Financing Financing programs for the purchase of wheelchair accessible vehicles, offered to individual consumers through a national network of dealer partners. Programs feature fixed rates, extended terms up to 10 years, and consider the applicant's full profile beyond credit scores alone.
- Accessibility Equipment & Home Modification Financing Financing programs for the purchase and installation of accessibility equipment and home modifications including home elevators, stair lifts, platform lifts, wheelchair lifts, tracked transfer systems, ramps, accessible bathrooms, accessible kitchens, and ADA modifications.
Quantifiable outcome
- Over 200 dealer partners nationwide rely on Mobility Trust financing programs
- +1 more outcomes
Companies that use Mobility Trust Group
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles3 records
Mobility Trust Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Mobility Trust Group partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered support, core and minor.
- JeeniesupportMobility Credit Acceptance partners with Jeenie, a mobile language service provider, to offer instant access to live human interpreters for on-demand translation and interpretation services in various languages, ensuring meaningful access for Limited English Proficient (LEP) individuals.
- Bridge to MobilitycoreBridge to Mobility is a national non-profit dedicated to increasing accessibility to wheelchair accessible vehicles. They collaborate with Mobility Trust to help the 96% of wheelchair users who do not have access to a WAV, improving educational attainment, employment, and recreational opportunities for people in wheelchairs.
- SourceAmericaminorSourceAmerica empowers individuals with disabilities through job matching and career development. Mobility Trust blog features SourceAmerica as a resource for disability employment opportunities.
Scale indicators4 records
Recent moves7 records
Expansion highlights6 records
Mobility Trust Group competitors and assessment
Company assessmentDirect peers
- Synchrony Financial (CareCredit): Synchrony Financial's CareCredit product is the dominant patient-financing platform for healthcare, dental, and medical equipment purchases in the U.S. It is the closest direct peer to Mobility Trust because both extend consumer credit at the point of sale for medical and accessibility equipment, though CareCredit operates across all medical specialties while Mobility Trust focuses on disability/mobility.
- Sunbit: Sunbit is a point-of-sale consumer financing company serving automotive, medical, dental, and home improvement verticals with near-prime underwriting. It overlaps with Mobility Trust in medical/dental equipment financing and in subprime-friendly underwriting for higher-ticket purchases.
- OneMain Financial: OneMain Financial is one of the largest U.S. non-prime consumer lenders, offering personal and auto loans to borrowers with limited credit histories. It is comparable to Mobility Trust as a specialty consumer lender serving credit-constrained borrowers, though OneMain focuses on general-purpose loans rather than assistive equipment.
- Med One Capital: Med One Capital specializes in equipment leasing and financing for medical and healthcare providers, with growing exposure to mobility and accessibility equipment. It is comparable to Mobility Trust's subsidiary Mobility Credit Acceptance in financing high-value medical/durable equipment, though Med One primarily serves providers rather than consumer end-borrowers.
Emerging players
- Upgrade: Upgrade is a digital consumer lender offering personal loans and credit cards with underwriting that considers factors beyond FICO. It is comparable to Mobility Trust in using alternative underwriting to extend credit to consumers underserved by traditional lenders, though Upgrade is general-purpose rather than disability-focused.
- Affirm: Affirm is a public point-of-sale lender offering installment financing at merchant checkout. It is comparable to Mobility Trust as a digital-first consumer lender embedded in merchant/dealer channels, though Affirm's underwriting is broader and not specifically disability-focused.
- Grameen America: Grameen America is a CDFI-certified microfinance nonprofit providing small-dollar loans to women entrepreneurs in underserved communities. It is comparable to Mobility Trust in being a mission-driven, CDFI-certified lender serving populations excluded by mainstream banks, though Grameen focuses on microenterprise rather than disability equipment.
Broad incumbents
- Ally Financial: Ally Financial is a large direct-to-consumer auto finance company with extensive subprime and near-prime lending capabilities. It overlaps with Mobility Trust in financing vehicles, including some wheelchair-accessible conversions, but does not specialize in assistive technology.
- Exeter Finance: Exeter Finance is a subprime-focused indirect auto lender with significant captive financing relationships. It overlaps with Mobility Trust in non-prime auto financing through dealer channels, though Exeter serves general subprime borrowers rather than the disability community.
- Capital One Auto Finance: Capital One Auto Finance is one of the largest U.S. indirect auto lenders, including exposure to specialty and used vehicles. It is comparable to Mobility Trust in vehicle financing scale and dealer-channel origination, though Capital One is a broad incumbent rather than a disability-focused specialist.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Mobility Trust Group social profiles
Digital presenceMobility Trust Group compliance and trust
Trust signalCompliance7 records
Mobility Trust Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
Mobility Trust Group leadership team
Management profileNumber of profiles
Profiles5 records
Mobility Trust Group subsidiaries and ownership
Company hierarchySubsidiaries2 records
Mobility Trust Group funding detail
Funding detailFunding overview
Funding rounds2 records
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Mobility Trust Group M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Mobility Trust Group
What does Mobility Trust Group do?
Mobility Trust Group is a national finance company that originates and services loans for assistive technology products for people living with physical disabilities. Through its subsidiary Mobility Credit Acceptance (MCA), the company provides financing for wheelchair accessible vehicles, home elevators, stair lifts, platform lifts, personal mobility devices, ramps, and home modifications. Loans are distributed via a national dealer network of over 200 partners and feature fixed rates, terms up to 10 years, and a holistic underwriting approach that does not rely solely on FICO scores.
Is Mobility Trust Group a public or private company?
Mobility Trust Group is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Mobility Trust Group founded?
Mobility Trust Group was founded in 2018. It employs 11 to 50 people.
Where is Mobility Trust Group based?
Mobility Trust Group is headquartered in Richmond, United States, in the North America region.
How does Mobility Trust Group make money?
Two revenue lines are on record. Assistive Technology Financing is the primary driver. The others are asset-Based Lending.
Who are Mobility Trust Group's main competitors?
Direct peers on record are Synchrony Financial (CareCredit), Sunbit, OneMain Financial and Med One Capital. Emerging players are Upgrade, Affirm and Grameen America. Broad incumbents are Ally Financial, Exeter Finance and Capital One Auto Finance.
Does Mobility Trust Group have an API?
No public API is recorded for Mobility Trust Group.
What industry is Mobility Trust Group in?
Mobility Trust Group's product category is Disability Assistive Technology Financing. Its primary akta.pro industry code is FSAKANAJ, Medical & Mobility Device Leasing (Consumer), with a secondary code of BPAGALAM, Disability Services & Assistive Solutions (Accessibility, Assistive Tech). Its NAICS code is 62412 and its SIC code is 6159.