What capital administrative professionals does

Capital Administrative Professionals (CAP) is a vehicle service contract administration brand that merged with EasyCare in 2025, becoming part of the APCO Holdings, LLC platform. EasyCare, founded in 1984 by Larry Dorfman, is a leading US/Canada provider and administrator of automotive F&I products, with cumulative coverage of 23+ million customers and $3.7 billion in claims paid across more than four decades of operation.

The platform offers a comprehensive F&I product suite including Vehicle Service Contracts (VSC), Guaranteed Asset Protection (GAP), appearance protection, key replacement, tire and wheel coverage, windshield protection, paintless dent repair, theft deterrent, prepaid maintenance, limited warranty, and segment-specific products for RV, marine, and powersports dealers. Underlying technology includes the EasyCoach AI-powered F&I coaching platform (audio conversation capture and text-based generative feedback), a PCMI-powered cloud claims portal, dealer administration portals (EasyCare Online, NAC Express Lane), and integrations with Dealertrack and RouteOne for deal structuring and submission.

EasyCare/APCO Holdings generates revenue through a mix of contract administration fees, dealer commissions on F&I product sales, reinsurance participation (NCFC, CFC, DOOC, Retro structures), and Financial Services Provider (FSP) administration fees (standard 30% of F&I deal profit, with a documented example of $5,026 average F&I deal profit yielding $3,526 retained dealer profit). Distribution combines direct dealer sales, an independent agent network, and self-serve portals, serving 8,000+ dealers across auto, RV, marine, and powersports segments in the US and Canada. APCO Holdings is majority-owned by the Ontario Teachers' Pension Plan, and Tony Wanderon has served as CEO of APCO since 2023.

Name

capital administrative professionals

Legal name

Automobile Protection Corporation – APCO

Website

https://capadminpros.com

Company type

Private

Founded year

1984

Operating status

Operating

Short description

Capital Administrative Professionals is an F&I product administrator that merged with EasyCare in 2025, providing vehicle service contracts, GAP coverage, and dealer solutions to 8,000+ auto, RV, marine, and powersports dealers across the US and Canada.

Ownership category

akta.pro rank

Product category

Vehicle Protection & F&I Administration Services

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242)

akta.pro primary industry

Dealer-Sold & F&I Administered Service Contracts (Dealer Obligors) (FSAJALAD)

Keywords

• F&I administration
• Vehicle service contracts
• GAP coverage
• Dealer training
• Dealer solutions

Headquarters

HQ city

Dublin

HQ country

United States

HQ region

North America

Offices20 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Vehicle Service Contracts (VSC): Extended warranty and vehicle service contract products sold through auto, RV, marine, and powersports dealerships. Revenue generated from contract sales with administration fees and participation in reinsurance programs.
2. GAP (Guaranteed Asset Protection): Coverage that protects customers from paying out-of-pocket for the gap between insurance settlement and loan balance in total loss events. Sold through dealers with commission-based revenue.
3. Appearance Protection: Interior and exterior protection products including fabric guard, paint sealant, and cosmetic protection. One-time purchase or bundled with VSC contracts.
4. Key Replacement: Coverage for lost, stolen, or damaged keys including replacement and roadside assistance benefits.
5. Dealer Participation Programs: Reinsurance and wealth-building programs including NCFC, CFC, DOOC, and Retro structures that allow dealers to participate in underwriting profits.
6. Financial Services Provider (FSP): Outsourced F&I department services for RV and marine dealers. Dealers pay 30% administration fee while retaining F&I profit on structured deals.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

Capital Administrative Professionals (CAP) administers F&I products for auto, RV, marine, and powersports dealers, including vehicle service contracts, GAP coverage, appearance protection, key replacement, and related claims and customer support services. In 2025, CAP merged into EasyCare, the consumer-facing brand of APCO Holdings, LLC, expanding the integrated F&I product portfolio and service capabilities for dealerships and agents across the United States and Canada.

Product overview

EasyCare is a comprehensive F&I (Finance & Insurance) product platform offering vehicle service contracts, GAP coverage, and protective products across automotive, RV, powersports, and marine segments. The portfolio includes core VSC and GAP products supplemented by appearance protection, key replacement, tire & wheel coverage, windshield protection, paintless dent repair, theft deterrent, and prepaid maintenance add-ons. Beyond products, EasyCare operates dealer solutions including EasyCoach (AI-powered F&I coaching), EasyCare University (training platform), Business Development Center services, Virtual Portfolio Management, Key Management Systems, Recruiting services, Customer Care Center, Financial Services Provider, and Compliance Essentials. The company has expanded through acquisitions of Crystal Fusion Technologies, National Auto Care, Capital Administrative Professionals, and ForeSight Services Group/BlueSteel, integrating these brands into its ecosystem. MotorTrend Certified programs add dealer certification capabilities.

Differentiator

Problem solved

Functional benefit

Brands

• EasyCare: Leading brand for automotive, RV, marine, and powersports vehicle protection products and F&I solutions
• GWC Warranty
• ForeSight Services Group
• Capital Administrative Professionals (CAP)
• National Auto Care (NAC)

Products and services

• Vehicle Service Contracts (VSC) Extended vehicle protection contracts covering stated component and exclusionary coverage for new and used vehicles, including commercial, rideshare, electric vehicles, and specialty vehicles; sold to and through dealerships.
• GAP (Guaranteed Asset Protection) Coverage that protects customers from out-of-pocket expenses for the gap between insurance settlement and loan balance in total loss events; distributed through dealers with claims filed via the GAP Claims Portal.
• Appearance Protection Interior and exterior protection covering fabric, vinyl/leather, paint, bumpers, and headlight lenses against weather-induced fading, acid rain, tree sap, and mold odors; one-time purchase or bundled with VSC.
• EasyCoach AI-powered F&I training and coaching platform that records and analyzes real finance conversations to deliver continuous in-store development for finance managers, with reported +18% PPD and +15% PVR improvements after 3 months of use.
• EasyCare University Blended training platform delivered in-person, virtually, and in-store covering F&I Impact, AFIP & Compliance, Fixed Ops, and sales topics; offered to dealers and agents.
• Business Development Center (BDC) Call center and BDC solutions providing customer-focused communication strategy to improve retention, appointment volume, and customer experience across dealership sales and service.
• Financial Services Provider (FSP) Outsourced F&I department for RV and boat dealerships handling paperwork and customer financing; dealers pay a 30% administration fee while retaining F&I profit on structured deals.
• Dealer Participation (Wealth Building) Tailored dealer participation and reinsurance programs including NCFC, CFC, DOOC, and Retro structures enabling dealers to participate in underwriting profits and optimize wealth-building strategies.
• Compliance Essentials Web-based compliance training suite covering Fair Credit Policy, F&I non-negotiables, and regulatory requirements including FCRA, ECOA, and FTC rules; offered free to qualifying dealers through Mosaic Compliance Services.
• Capital Administrative Professionals (CAP) - Claims & Customer Support Merged F&I products administrator integrated into EasyCare, providing expanded claims handling, cancellations, GAP claims, and customer support services for contracts administered by CAP.
• National Auto Care (NAC) Express Lane Merged F&I products administrator integrated into EasyCare providing expanded claims portal and customer support through the NAC Express Lane dealer portal.
• RV Products RV-specific Vehicle Service Contracts with stated component and exclusionary coverage for motorhomes, towables, trailers, and car haulers, plus Tire & Wheel, Appearance Protection, Theft Deterrent, Key, Windshield Protection, and Prepaid Maintenance options.
• Powersports Products Powersports VSC covering on/off-road motorcycles, ATVs, side-by-sides, snowmobiles, and personal watercraft, plus GAP, PowerBuy Depreciation, Theft Deterrent, Tire & Wheel, Appearance Protection, Limited Warranty, and Prepaid Maintenance.
• Marine Products Marine VSC with coverage options for fishing/pontoon, fishing/ski, runabout, navigation, and cruiser watercraft, plus engine protection, GAP, and Appearance Protection.
• Key Management Systems Dealership key and asset management solutions powered by KEYper Systems, providing visibility, security, and tracking for keys, dealer plates, fuel cards, and high-security assets.
• Recruiting Services Talent recruitment services that attract, manage, and rate job applicants on behalf of dealerships at no cost, including post-hire training integration.
• Customer Care Center (7th Profit Center) Outbound customer contact service contacting qualified customers about expiring VSCs and protection options, helping increase CSI scores and generate service retention revenue.
• Virtual Portfolio Management Portfolio management service providing dealerships with experienced managers who help structure, submit, and fund profitable deals in real time through Dealertrack and RouteOne integrations.
• MotorTrend Certified Certification program for dealers providing branded vehicle inspections and certification services backed by MotorTrend's reputation.
• Crystal Fusion Technologies Acquired automotive glass protection solutions including the GlassParency brand, distributed through auto, RV, and boat dealers, professional detailers, and e-commerce partners.

Quantifiable outcome

• EasyCoach users see +18% PPD increase and +15% PVR increase after 3 months
• +2 more outcomes

Named customers8 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability4 records

Feature4 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Crystal Fusion TechnologiescoreStrategic or Co-development Partner · 1 May 2024Acquired by APCO Holdings in May 2024, Crystal Fusion Technologies is an innovator in automotive glass protection solutions. The acquisition expands EasyCare's portfolio and strengthens its position in automotive aftermarket products. Gary LoCicero continues to lead Crystal Fusion operations.
• Mosaic Compliance ServicescoreImplementation/ SI/ Consulting PartnerMosaic Compliance Services provides web-based compliance training for F&I offices, offered free to qualifying EasyCare dealers. Dealers wanting broader compliance management can access Mosaic's comprehensive compliance package at discounted rates through EasyCare.
• PCMI CorporationcoreTechnology or IntegrationPCMI Corporation provides the claims administration technology powering EasyCare's online claims portal. The portal enables repair facilities and customers to file and track claims electronically 24/7.
• DealerPRO TrainingcoreStrategic or Co-development PartnerDealerPRO Training provides fixed operations training for EasyCare, offering courses in service management, technician productivity, business planning, and CSI improvement. Over 100 dealers have achieved $400,000 increase in customer pay gross profit through this training.
• RVDAminorOthersRecreational Vehicle Dealers Association - Industry trade association member supporting RV dealers
• RVIAminorOthersRecreational Vehicle Industry Association - Industry trade association member
• NPDAminorOthersNational Powersports Dealers Association - Industry trade association member
• MRAAminorOthersMarine Retailers Association of the Americas - Industry trade association member for marine dealers

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Endurance Warranty: Direct-to-consumer extended auto warranty provider competing for in-force vehicle owners. Operates in an adjacent distribution model to EasyCare's dealer-channel approach and pressures overall VSC pricing/competition.
• CarShield: Direct-to-consumer vehicle service contract provider that bypasses the dealer channel and sells extended warranties online. Represents an emerging competitive threat to dealer-distributed F&I administrators like EasyCare.

Direct peers

• Safe-Guard Products International: A leading administrator of F&I products (VSC, GAP, tire & wheel, key replacement) sold through auto dealers. Operates as a direct competitor to EasyCare/CAP in the dealer-F&I channel across the US and Canada.
• Assurant: Major provider of vehicle service contracts, extended warranties, and other protection products distributed through dealers and agents. Assurant's Connected Living and Global Automotive segments overlap directly with EasyCare/CAP's F&I product administration business.

Others

• Toyota Financial Services: OEM captive finance arm that controls F&I product placement at Toyota/Lexus dealerships. Represents both a partner channel and a structural risk: captive programs can disintermediate independent F&I administrators like EasyCare.
• Dealertrack (CDK Global): Dealer management and F&I technology platform integrated with EasyCare's Virtual Portfolio Management service. Operates as an enabling technology partner that could also disintermediate certain F&I administration workflows.

Broad incumbents

• Allstate Dealer Services: Sells VSC, GAP, and other protection products through franchised auto dealers under the Allstate brand. A scaled competitor in the dealer-F&I market though offered as part of Allstate's broader insurance franchise.
• Zurich North America: Global insurer offering vehicle service contracts, GAP, and dealer F&I solutions as part of a much broader commercial and personal insurance portfolio. Overlaps with EasyCare in F&I and dealer protection products but operates at significantly larger scale.
• MAPFRE Insurance: Provides dealer-sold vehicle service contracts, GAP coverage, and ancillary protection products through US dealer networks, overlapping with EasyCare's core F&I product suite while serving a wider insurance portfolio.
• American Financial Group (Great American Insurance): Underwrites vehicle service contracts, dealer participation programs, and specialty insurance through Great American Insurance Group. Competes with EasyCare in dealer-F&I administration and reinsurance participation structures.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/capital-administrative-professionals-llc

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries6 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 capital administrative professionals