Yield Solutions Group

Name

Yield Solutions Group

Legal name

Yield Solutions Group, LLC

Website

https://yieldsolutionsgroup.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Product category

Auto Loan Refinance Services

akta.pro primary industry

Personal Loan Refinance (Rate/Term) (FSAKAIAB)

Keywords

• Auto loan refinancing
• Lender services
• Application generation
• Loan origination platform
• Consumer lending intermediary

Headquarters

HQ city

Denver

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Transaction Fees (Lender): YSG charges fees only for funded loans. Lenders incur no upfront costs; fees are due only when loans are funded. YSG handles all marketing, consumer communications, and application processing costs. This makes the program low-risk and low-cost for lenders to increase auto loan volume.
2. Affiliate Referrals: RefiJet pays set commissions to affiliate partners for each referred, funded application. High-volume affiliates receive custom payouts, API access, and real-time application status updates.
3. Backend Products: During the application process, call center agents present optional backend products (GAP coverage and Extended Service Contracts) as defined by lender requirements. YSG handles all aspects of activating and managing these products, earning fees on product administration.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

Yield Solutions Group is a B2B financial services company that sources, processes, and routes auto loan refinance applications from consumers to its lending partners (credit unions, banks, finance companies, and OEM finance companies). Through its consumer-facing brand RefiJet and a network of affiliate partners, the company captures refinance demand via a US-based call center and digital channels, screens applications against lender underwriting criteria using a proprietary LOS/CRM platform, and transmits qualified files to the originating lender. The company also operates adjacent programs (lease buy-out, motorcycle, RV), back-end F&I product administration (GAP, ESC), and a title perfection division handling lien resolution.

Product overview

Yield Solutions Group (YSG) operates as an outsourced, full-service auto loan refinance application generation partner for lenders. The company's primary offering is its turnkey refinance program, which generates refinance auto loans (and related products including lease buy-outs, motorcycle loans, and RV loans) that match lender target criteria. YSG operates under the consumer-facing brand RefiJet, which handles all marketing, lead generation, and consumer-facing communications. The core platform integrates with lender systems (via CUDL, RouteOne, or direct integration) to deliver complete loan packages for underwriting and funding. Back-end products such as GAP coverage and Extended Service Contracts are offered as add-on modules during the application process. YSG also provides title perfection as an integral service, handling documentation and submissions to ensure proper lienholder placement.

Differentiator

Problem solved

Functional benefit

Products and services

• YSG Auto Refinance Program

Quantifiable outcome

• Refinance auto loans outperform newly originated and indirect loans due to borrowers' proven payment history
• +4 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability3 records

Feature6 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• Premier Members Credit UnioncoreChannel Partner/ Reseller/ DistributorCredit union partner that used YSG to provide refinance applications from 12 states. The partnership helped diversify auto loan portfolio and fall below risk tolerances while reaching production volume goals. Todd Anderson, Portfolio Analytics and Indirect & Commercial Landing Manager, provided testimonial.
• myAutoloan.comcoreChannel Partner/ Reseller/ DistributorLong-term partnership where myAutoloan.com refers consumers to RefiJet for auto refinancing. Staci Bailey from myAutoloan.com noted excellent customer service, engagement, and innovation over many years of partnership.
• CUDL (Credit Union Direct Lending)coreTechnology or IntegrationFor credit union Lenders, YSG typically transfers application data through CUDL (Credit Union Direct Lending) - an industry-recognized integration platform for credit unions.
• RouteOnecoreTechnology or IntegrationY SG integrates with RouteOne for system integration with lender partners. RouteOne is a major auto finance technology platform.
• Credit Bureau ServicescoreTechnology or IntegrationYSG uses credit bureau services for soft pull credit reports and credit bureau data. The system automatically gathers credit data for consumer inquiries and evaluates against lender criteria.
• AWS (Amazon Web Services)coreTechnology or IntegrationData in the operating system is backed up and stored in AWS, a cloud-based, secure, encrypted system. AWS provides the infrastructure for YSG's data security and disaster recovery capabilities.
• Ancillary Product ProvidersminorChannel Partner/ Reseller/ DistributorYSG partners with ancillary product providers for GAP coverage and Extended Service Contracts. These products are offered to consumers during the application process and YSG handles all activation and cancellation aspects.
• Title Perfection VendorsminorChannel Partner/ Reseller/ DistributorYSG uses third-party title perfection vendors to submit title applications and fees to states or counties for title perfection on behalf of lender partners.
• Lead Aggregation PartnerscoreChannel Partner/ Reseller/ DistributorYSG partners with third-party lead aggregators and various types of lead generators to source consumer refinance leads. YSG actively manages the blend of sources to manage volume and application quality.

Scale indicators6 records

Recent moves7 records

Expansion highlights2 records

Broad incumbents

• LendingTree: LendingTree is a broad consumer loan comparison marketplace that surfaces auto refinance offers from multiple lenders; YSG/RefiJet is both a customer (submissions flow through LendingTree) and a rated competitor on its platform.
• CarMax Auto Finance: CarMax Auto Finance is a captive auto lender for used vehicles that has expanded into refinance and adjacent products; as a major indirect auto lender it is both a potential YSG partner and a potential in-house competitor for refinance volume.
• Westlake Financial: Westlake Financial is a large non-prime auto lender with captive origination and servicing infrastructure; it represents the type of established auto finance player that could either use YSG as a partner or compete with it for similar consumer refinancing volume.

Direct peers

• myAutoloan.com: myAutoloan.com is an auto loan marketplace that connects consumers to multiple lenders for new, refinance, and lease buyout loans, overlapping directly with YSG's lead and lender-matching model.
• MotoRefi: MotoRefi is an auto refinance platform that originated as a fintech competitor to RefiJet, offering consumers rate-shopping across refinance lenders; it was acquired by Ford Credit, illustrating the strategic value placed on this category.
• iLending: iLending is an auto refinance company focused on lowering consumer payments through refinance and lease buyouts, directly competing with RefiJet for the same consumer segment and lender relationships.
• AutoPay: AutoPay provides auto refinance and lease buyout services via a network of lending partners, competing head-to-head with YSG's RefiJet brand across consumer refinance applications.
• RateGenius: RateGenius operates an auto loan refinance platform that connects consumers with lender partners, functioning as a direct competitor to RefiJet's consumer-facing brand and YSG's turnkey refinance program for lenders.
• Auto Approve: Auto Approve is an auto refinance broker that competes with RefiJet in connecting consumers to lender partners for rate-and-term refinance, lease buyouts, and cash-out auto refinance.
• Up2Drive: Up2Drive is a credit-union-focused indirect auto finance platform offering refinance and purchase loans, operating a similar lender-as-client model that overlaps with YSG's credit union partnerships.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Funding overview

Funding rounds

Investors

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 Yield Solutions Group