HorsePower Financial Services

What HorsePower Financial Services does

HorsePower Financial Services LLC, founded in 2009 and headquartered at 600 8th Ave W in Palmetto, Florida, operates as a specialty consumer lessor focused exclusively on the U.S. powersports market. Its core product is the trademarked Lifestyle Lease®, a lease for motorcycles, ATVs, UTVs, and side-by-side vehicles that requires no FICO credit check, imposes no mileage cap, and offers flexible end-of-lease options (re-lease, purchase, trade-in, or return). The company retains title and ownership of the leased vehicle throughout the term, generating revenue through recurring monthly lease payments, upfront Capital Cost Reduction (down payment) at lease signing, and end-of-lease residual buyouts, with supporting revenue from off-lease inventory remarketing through its dealer network.

The product is delivered through a hybrid distribution model: a national HorsePower Select Dealer network (online enrollment, ~15-minute credentialing, 72-hour funding, 24/7 dealer support) handles bottom-of-funnel origination, while a direct-to-consumer web stack — including a lease application portal, a payment estimator, an online payment portal, and call/text support — covers the top and mid funnel. Lessees' payment history is reported to Experian and TransUnion, payments are accepted via card, PayPal, Venmo, and CashApp card, and motorcycle insurance is facilitated through a Dairyland Insurance referral. The underlying origination and servicing stack is brand-agnostic, displaying OEM logos across 17+ powersports manufacturers.

Recent strategic moves indicate a shift from a Harley-Davidson-anchored motorcycle book toward a broader, multi-OEM platform. In April 2026, HorsePower expanded its CFMOTO partnership into a national ORV leasing program (ATVs/UTVs/side-by-sides), partnered with Revvable to deploy a real-time powersports financing waterfall, and extended its senior secured credit facility with Pier Asset Management, which has funded over $800M in credit investments since 2017. Capital supply is anchored by a $40M Comvest Credit Partners facility originated in March 2022. The Lifestyle Lease is currently unavailable in California and Connecticut.

Name

HorsePower Financial Services

Legal name

HorsePower Financial Services LLC

Website

https://horsepowerfinancial.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

1–10 employees

Short description

HorsePower Financial Services is a U.S. specialty lessor offering the trademarked Lifestyle Lease® — a no-credit-check, unlimited-mileage lease for motorcycles, ATVs, UTVs, and side-by-sides — distributed via the HorsePower Select Dealer network and direct online channels to powersports consumers and dealerships.

Ownership category

akta.pro rank

Product category

Powersports Consumer Leasing

NAICS

Automotive Equipment Rental and Leasing (5321)

SIC

Finance Lessors (6172)

akta.pro primary industry

Recreational Vehicle (RV) & Powersports Leasing (FSAKANAG)

Keywords

• Powersports leasing
• Motorcycle financing
• Off-road vehicle leasing
• Consumer lease services
• Dealer finance programs

Headquarters

HQ city

Bradenton

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Lease Payments: Recurring monthly lease payments from consumers throughout the lease term. The company retains title and ownership of vehicles during the lease period.
2. Capital Cost Reduction (Down Payment): Upfront down payment required at lease signing, calculated as a percentage of the vehicle's agreed-upon value.
3. Residual Value / End-of-Lease Buyouts: Revenue from consumers who choose to purchase vehicles at the residual value specified in their lease agreement at end of term.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

HorsePower Financial Services provides a no-credit-check powersports leasing program, branded as the Lifestyle Lease®, that enables consumers to lease motorcycles, ATVs, UTVs, and side-by-side vehicles from a national network of enrolled dealers. The company also enrolls powersports dealerships into its HorsePower Select Dealer Program to offer flexible lease financing to their customers, with 72-hour dealer funding and dedicated support.

Product overview

HorsePower Financial Services operates as a powersports financing company offering a unified product portfolio anchored by its Lifestyle Lease® — a no-credit-check, unlimited-mileage lease program for motorcycles, ATVs, UTVs, and side-by-side vehicles. The core consumer offering is supported by a web-based lease application platform and a consumer payment estimator. On the dealer side, the HorsePower Select Dealer Program provides an enrollment and credentialing platform with 72-hour funding and 24/7 support, connected to a dealer locator and off-lease inventory listing. An online payment portal enables lessees to pay via card, PayPal, or Venmo. The company partners with CFMOTO for dedicated ORV leasing and integrates with Revvable for a multi-tiered financing evaluation system. Credit-building reporting to Experian and TransUnion is embedded within the Lifestyle Lease, while insurance is facilitated through a Dairyland referral.

Differentiator

Problem solved

Functional benefit

Products and services

• Lifestyle Lease® A no-credit-check, unlimited-mileage powersports leasing product that allows consumers to lease motorcycles, ATVs, UTVs, and side-by-side vehicles from HorsePower Select Dealers, with flexible end-of-lease options (re-lease, purchase, trade-in, or return) and credit-building reporting to Experian and TransUnion. Available in the United States except California and Connecticut.
• Motorcycle Financing Solutions Flexible loan terms and rates for purchasing motorcycles, with zero application cost, quick pre-approval, and no Social Security number requirements, customized to each customer's needs.
• HorsePower Select Dealer Program A dealer enrollment and credentialing platform enabling motorcycle and powersports dealerships to offer HorsePower Lifestyle Lease options to their customers, with online onboarding, 15-minute training, 24/7 support, and funding within 72 hours of lease approval and paperwork completion.

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature2 records

Partnerships

Three partnerships are on record, tiered core and minor.

• RevvablecoreStrategic or Co-development Partner · 20 April 2026Horsepower Leasing and Revvable announced a partnership to create a new powersports financing waterfall that provides multiple tiered options for customers. The system evaluates applications in real-time across different loan and lease products, specifically tailored for the powersports industry, aiming to improve approval rates and streamline the financing process.
• CFMOTOcoreStrategic or Co-development Partner · 8 April 2026Horsepower Financial, LLC and CFMOTO expanded their partnership to launch a national off-road vehicle (ORV) leasing program across the United States. This program, the first of its kind at scale in the ORV market, gives riders access to ATVs, UTVs, and side-by-side vehicles through authorized dealers while providing dealers with a new customer acquisition and sales growth tool.
• Dairyland InsuranceminorGTM or Marketing PartnerDairyland Insurance is featured on the Horsepower Financial website as a recommended insurance provider for motorcycle insurance, with a referral partnership in place.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Harley-Davidson Financial Services (Eaglemark Savings Bank): The captive finance arm of Harley-Davidson, providing retail loans and leases for Harley-Davidson motorcycles through authorized dealers. Directly competes with HorsePower in motorcycle lease origination for the same customer base, but with greater scale, OEM integration, and brand subsidies.
• Yamaha Motor Finance: Captive finance provider for Yamaha powersports products including motorcycles, ATVs, and side-by-sides. Competes with HorsePower at Yamaha dealers for retail financing and leasing of the same asset classes HorsePower services.
• Polaris Financial Services: Captive finance arm of Polaris Inc. offering loans and leases for Indian Motorcycle, Slingshot, and Polaris off-road vehicles. Directly comparable to HorsePower's motorcycle and ORV lease offering with similar customer profile and dealer channel.
• BRP Financial Services (Can-Am): Captive finance program supporting Can-Am on-road and off-road vehicles including Spyder, Ryker, and Maverick side-by-sides. Competes with HorsePower for lease and loan originations at BRP's US dealer network.
• Honda Powersports Finance (American Honda Finance Corporation): Captive finance provider for Honda motorcycles, ATVs, and side-by-sides through Honda Powersports dealers nationwide. Competes directly with HorsePower for the same end consumer across multiple Honda powersports product lines.
• FreedomRoad Financial: Specialty powersports lender providing financing through a network of motorcycle, ATV, and marine dealers. Closely comparable to HorsePower's dealer-channel model and underserved-credit focus.
• Roadrunner Financial: Powersports-focused finance company providing retail loans and dealer financing for motorcycles, ATVs, UTVs, and side-by-sides through a national dealer network. Direct competitor to HorsePower's dealer-funded lease origination model.
• Kawasaki Motors Finance: Captive finance offering for Kawasaki motorcycles, ATVs, side-by-sides, and Jet Ski watercraft through Kawasaki dealers. Directly competes with HorsePower at the dealer counter for Kawasaki powersports customers.

Broad incumbents

• Synchrony Financial: Large consumer finance company with established powersports, outdoor, and recreational vehicle financing programs through major dealer partners. Broader portfolio than HorsePower, but overlaps directly in powersports lease and loan origination at the dealer counter.

Emerging players

• EagleRider: National motorcycle and powersports rental and tour company with franchise and rental locations across the US. Comparable to HorsePower on the powersports end-customer side, but operates a rental fleet business model rather than lease finance.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/lease2ride
• Instagraminstagram.com/lease2ride

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds2 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about HorsePower Financial Services