Automatic USA
Automatic USA operates a cloud-based open marketplace fintech platform connecting independent used auto dealerships with lenders, vendors, and ancillary product providers. The platform offers automated underwriting, blockchain-based loan settlement, and DMS integrations serving 4,000+ dealerships across the US.
- Company typePrivate
- Founded2020
- HeadquartersStamford, United States
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Automatic USA does
Automatic USA operates an open marketplace fintech platform that connects independent used auto dealerships, lenders, and vendors to streamline used vehicle financing. Founded in 2020 by Eric Burney (CEO, 20+ years in auto finance), Max Kane (CFO), and Alex Egan, the company is headquartered in Stamford, Connecticut. The platform offers dealerships free sign-up with access to multiple lenders, automated underwriting with embedded AI credit scoring, e-contracting, blockchain-based 24/7/365 loan settlement via Liquidity.io, and integration with major dealer management systems (RouteOne, Dealertrack, Get My Auto). By 2025 the platform reported 4,000+ dealerships, $1.8 billion in cumulative deal flow, and 74,000 vehicles transacted, with an average turnaround time of less than two hours including funding.
The business operates a multi-stream revenue model combining transaction/facilitation fees on originated loans, recurring lender access fees from credit unions, banks, and institutional capital providers, and marketplace commissions on ancillary products (VSC, GAP, insurance) distributed through the platform at point of sale. Distribution combines self-serve onboarding for smaller dealerships with enterprise field sales for lender partners, supplemented by DMS integration channels and industry event presence (NIADA). The go-to-market is hybrid PLG + enterprise field sales, with technology including AWS infrastructure, AWS-based contract throughput, and proprietary blockchain settlement infrastructure.
The strategic trajectory has shifted from retail-equity-funded early growth (~$1M raised via WeFunder in 2021, $55K in 2023) toward institutional capital partnerships, most notably a $10 million revolving warehouse facility from Forum Markets announced in March 2026 to finance platform-originated loans. The product surface has expanded beyond core dealership financing into consumer-facing products (VzzBee vehicle protection, Polly Insurance, Guaranteed Rate Insurance, upcoming Refinance) and an ancillary product marketplace spanning roughly 15+ VSC/GAP providers. The company remains very lean operationally (1–10 employees) and is competing in the broader used auto fintech space against more capital-intensive players.
Automatic USA firmographics
Firmographics- Name
- Automatic USA
- Legal name
- Automatic USA
- Website
- https://automaticusa.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Automatic USA operates a cloud-based open marketplace fintech platform connecting independent used auto dealerships with lenders, vendors, and ancillary product providers. The platform offers automated underwriting, blockchain-based loan settlement, and DMS integrations serving 4,000+ dealerships across the US.
- Ownership category
- akta.pro rank
Automatic USA industry classification
Industry- Product category
- Auto Lending Platform / Dealer Fintech Marketplace
- NAICS
- Sales Financing (52222), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- akta.pro primary industry
- Auto / Vehicle Marketplace Lending (FSAKAHAF)
- akta.pro secondary industries
- New & Used Auto Purchase Loans (FSAKADAA), Auto & Vehicle Loan Brokerage (FSAEAEAK), Auto Refinance (FSAKADAB)
Keywords
Where Automatic USA is headquartered
LocationHeadquarters
- HQ city
- Stamford
- HQ country
- United States
- HQ region
- North America
Markets served
Automatic USA business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Transaction/Facilitation Fees: Revenue generated from facilitating loan transactions between dealerships and lenders. Platform enables loan processing and funding, earning a fee per transaction completed on the platform.
- Ancillary Product Distribution: Commission revenue from distribution of backend products including VSC (Vehicle Service Contracts), GAP products, warranties, and insurance. Platform bundles these products with financing at point of sale.
- Lender Access Fees: Lenders pay for access to the growing network of dealerships and exclusive deal flow. Lenders benefit from competitive rates from multiple lenders and non-recourse full spectrum lending options.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free sign-up with basic access |
| Subscription | Monthly | Premium tier with enhanced features |
Go-to-market motion4 records
Distribution channels4 records
Marketing channels6 records
Automatic USA product offering
Product offeringCore offering
Automatic USA operates an open marketplace fintech platform that connects independent used auto dealerships with credit unions, banks, and specialty lenders to originate auto loans, while bundling backend products such as VSC, GAP, and insurance at the point of sale. The platform automates underwriting, e-contracting, and blockchain-based 24/7 loan settlement to deliver same-day funding to dealers across the US.
Product overview
Automatic USA is a fintech company operating a unified platform-plus-modules architecture for used auto financing. The core Automatic Platform serves as an open marketplace connecting independent dealerships, lenders, and vendors. Platform modules include the Dealer Platform (for dealership financing access), Lender Platform (for capital providers accessing deal flow), Partners Platform (for DMS, insurance, and floor plan integrations), and Ancillary Products (for VSC and GAP offerings). Consumer-facing sub-brands include VzzBee (vehicle protection), Polly Insurance, Guaranteed Rate Insurance, and upcoming Refinance products. The platform leverages embedded AI underwriting, automated decisioning, and e-contracting to enable same-day funding for 24-84 month loan terms across the full credit spectrum.
Differentiator
Problem solved
Functional benefit
Products and services
- Automatic Platform (Open Marketplace) A cloud-based open marketplace fintech platform that connects independent used auto dealerships, lenders, and backend vendors for seamless auto financing and F&I product transactions with real-time loan decisioning, automated underwriting, e-contracting, and same-day funding.
- Dealer Platform Module of the Automatic platform built for independent dealerships to connect with a diverse network of lenders, access competitive financing options, and streamline F&I and loan origination operations with free sign-up and a free trial upgrade path.
- Lender Platform Module of the Automatic platform for credit unions, banks, and specialty finance companies to access exclusive deal flow from the dealer network, deploy capital efficiently through competitive pre-programmed rate cards, and originate indirect auto loans at scale with full credit spectrum coverage.
- VzzBee Vehicle Protection Consumer-facing subscription vehicle protection product covering mechanical failure expenses such as transmission and engine repair costs, distributed through Automatic's dealer network.
- Polly Insurance Embedded car insurance product from trusted carriers integrated into Automatic's dealership platform, enabling faster insurance buying for consumers at the point of sale.
- Guaranteed Rate Insurance Embedded insurance platform that provides customers with best rates from over 50 top carriers for Auto, Home, Life, and Pet insurance, distributed through Automatic's dealer network.
Quantifiable outcome
- 4,000+ dealerships on platform
- +4 more outcomes
Companies that use Automatic USA
Customer profileNamed customers2 records
Segments5 records
Ideal customer profiles3 records
Automatic USA technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration43 records
AI capability6 records
Feature8 records
Automatic USA partnerships and signals
Strategic signalPartnerships
21 partnerships are on record, tiered core and secondary.
- DealertrackcoreMajor DMS integration partner providing connectivity between dealer workflows and Automatic's lending platform. Enhanced dealer onboarding through this integration.
- Get My AutocoreDMS integration partner enabling seamless deal submission for dealers using Get My Auto platform.
- Auto Dealer DigitalcoreDMS integration partner expanding dealer connectivity options for the Automatic platform.
- Alpha Warranty ServicescorePartnership to provide vehicle service contract (VSC) products through Automatic's platform. Alpha provides complete and reliable vehicle service contract plans combining with Automatic's auto financing platform. Both partners have 30+ years of experience and A+ rated careers.
- Karus (Karus.ai)coreAI-driven credit analytics platform partner. Forum Markets holds equity interest in Karus, Inc. Platform uses embedded AI for credit scoring and risk assessment.
- Liquidity.iocoreBlockchain settlement partner enabling 24/7/365 loan settlement and instant capital deployment directly into auto dealer networks.
- TransUnioncoreCredit bureau integration providing credit data for loan underwriting decisions.
- eOriginalcoreElectronic signature and contract management integration for e-contracting capabilities.
- J.D. PowercoreVehicle valuation and data integration providing accurate vehicle data for loan decisions.
- CarfaxcoreVehicle history report integration for underwriting and fraud protection.
- VzzBeesecondaryMechanical failure protection provider offering subscription-based vehicle protection starting today. Protects from repair costs for transmission, engine and other mechanical failures.
- PollysecondaryInsurance partner embedding car insurance from trusted carriers into dealerships across the country, making insurance buying faster and easier.
- Guaranteed RatesecondaryInsurance platform providing customers best rates from over 50 top carriers for Auto, Home, Life, and pet insurance.
- Wayne ReavescoreDMS integration partner enabling dealer connectivity to Automatic platform.
- GenesyscoreDMS integration partner.
- AutofundscoreDMS integration partner.
- Diamond WarrantysecondaryVSC/GAP provider integrated on Automatic platform for ancillary product distribution.
- VeritassecondaryVSC/GAP provider integrated on Automatic platform.
- Gold StandardsecondaryVSC/GAP provider integrated on Automatic platform.
- Gulf StatessecondaryVSC/GAP provider integrated on Automatic platform.
- TruWarrantysecondaryVSC/GAP provider integrated on Automatic platform.
Scale indicators9 records
Recent moves6 records
Expansion highlights5 records
Automatic USA competitors and assessment
Company assessmentBroad incumbents
- Westlake Financial: Indirect auto lender focused on independent and franchise dealerships through dealer-floor and retail financing channels. Comparable as a capital provider active in the independent dealer space that could sit on either side of Automatic's marketplace.
- Dealertrack: Cox Automotive-owned credit application, desking, and compliance platform used across franchised and independent dealerships. Competes broadly with Automatic by handling loan origination, deal structuring, and DMS integrations at much greater scale.
- Credit Acceptance Corporation: Public subprime auto lender operating exclusively through the independent dealership channel. Closely comparable target customer base and risk profile, and a potential large lender or competitor on Automatic's marketplace.
- LendingTree: Operates one of the largest online loan comparison marketplaces including an active auto vertical. Comparable to Automatic's marketplace model at a multi-product consumer-direct scale, though with much broader vertical reach and capital base.
- Upstart: AI-driven lending platform using alternative data and ML underwriting across multiple consumer credit verticals. Comparable to Automatic on the AI underwriting and alternative-data approach even though it operates in different vertical end-markets.
Direct peers
- RouteOne: Credit application and origination network connecting auto dealerships with lenders. Operates as the dominant industry-standard platform that Automatic integrates with; functionally the closest comparison as a dealer-to-lender routing layer.
- OpenLending: Provider of automated underwriting and loan analytics for the indirect auto lending channel. Comparable to the AI-driven underwriting portion of Automatic's platform and addresses the same near-prime and nonprime credit segments.
Emerging players
- AutoFi: Digital auto retailing platform offering online financing, payments, and F&I product merchandising to dealership groups. Comparable as a fintech building modern digital infrastructure for dealer-to-lender and dealer-to-consumer flows.
- RateGenius: Auto refinance marketplace connecting consumers with lenders for vehicle loan refinancing. Directly comparable to Automatic's announced Refinance sub-product as a focused auto-refi digital platform.
Others
- Karus (Karus.ai): AI-driven credit analytics platform used by Automatic for embedded credit scoring. Functionally an enabling vendor and embedded partner rather than a direct competitor, but addresses adjacent credit-analytics decisioning infrastructure.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Automatic USA social profiles
Digital presenceAutomatic USA financial estimates
Financial estimateRevenue estimate
Valuation estimate
Automatic USA leadership team
Management profileNumber of profiles
Profiles7 records
Automatic USA funding detail
Funding detailFunding overview
Funding rounds4 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Automatic USA 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 Automatic USA
What does Automatic USA do?
Automatic USA operates an open marketplace fintech platform that connects independent used auto dealerships with credit unions, banks, and specialty lenders to originate auto loans, while bundling backend products such as VSC, GAP, and insurance at the point of sale. The platform automates underwriting, e-contracting, and blockchain-based 24/7 loan settlement to deliver same-day funding to dealers across the US.
Is Automatic USA a public or private company?
Automatic USA is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Automatic USA founded?
Automatic USA was founded in 2020. It employs 1 to 10 people.
Where is Automatic USA based?
Automatic USA is headquartered in Stamford, United States, in the North America region.
How does Automatic USA make money?
Three revenue lines are on record. Transaction/Facilitation Fees are the primary driver. The others are ancillary Product Distribution and lender Access Fees.
Who are Automatic USA's main competitors?
Broad incumbents on record are Westlake Financial, Dealertrack, Credit Acceptance Corporation, LendingTree and Upstart. Direct peers are RouteOne and OpenLending. Emerging players are AutoFi and RateGenius. Karus (Karus.ai) is listed as an others.
Does Automatic USA have an API?
No public API is recorded for Automatic USA.
What industry is Automatic USA in?
Automatic USA's product category is Auto Lending Platform / Dealer Fintech Marketplace. Its primary akta.pro industry code is FSAKAHAF, Auto / Vehicle Marketplace Lending, with a secondary code of FSAKADAA, New & Used Auto Purchase Loans. Its NAICS code is 52222.