What Daltra Capital does

Daltra Capital, LLC is a Florida-based private indirect automotive lender founded in 2012 that finances subprime and near-prime auto loans through franchised and independent dealer partners. The company targets credit-challenged borrowers underserved by prime lenders and operates as a secondary-market funding partner to dealer F&I operations, with named relationships at groups such as Hudson Automotive Group and Morrie's Auto Group. Its leadership carries forward operating experience from Affiliated Financial, a predecessor subprime auto business active since the 1990s across 47 states.

The company's primary product is its Dealer Partner Program, under which Daltra funds subprime auto contracts originated by partner dealers and shares upside economics (interest income and dealer profit participation) with the dealer counterparty. Origination and deal structuring run through Daltra Connect, a proprietary platform that integrates with CDK Global's Fortellis marketplace, Cox Automotive's Dealertrack, Reynolds and Reynolds' RMS, and RouteOne, embedding submission, decisioning, and funding inside the dealer's existing DMS. Supporting products include a Portfolio Purchase Program for acquiring seasoned subprime paper, a credit bureau reporting service covering all three major bureaus, an auto loan calculator, an AI-powered chat assistant, and a borrower payment portal operated by third-party servicer SST (accountinfo.com).

Revenue is generated principally from interest income on the held loan portfolio, supplemented by transactional fees on portfolio acquisitions and shared economics with dealer partners. Origination is indirect — dealers submit applications through integrated DMS channels — which keeps customer acquisition cost low and lets Daltra operate with a reported core team of 1–10 employees while scaling across multiple U.S. states. The current footprint covers eight states with stated intent to expand nationally.

Name

Daltra Capital

Legal name

Daltra Capital, LLC

Website

https://daltracapital.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

1–10 employees

Short description

Daltra Capital is a Florida-based indirect auto lender providing subprime and near-prime financing through franchised and independent dealer partners, using DMS-integrated origination, AI-assisted credit decisioning, and a profit-share program spanning multiple U.S. states.

Ownership category

akta.pro rank

Product category

Subprime Auto Finance

NAICS

Sales Financing (52222)

akta.pro primary industry

Subprime Auto Title Lending (FSAKAOAB)

Keywords

• Indirect auto lending
• Subprime auto financing
• Secondary auto finance
• Dealer partner program
• Auto loan servicing

Headquarters

HQ city

Sunrise

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Auto Loan Interest: Daltra generates revenue through interest on auto loans extended to subprime borrowers. As an indirect lender, they purchase retail installment contracts from dealer partners and service loans throughout the term.
2. Dealer Profit Share: Dealers participate in shared finance income on every funded deal through the Dealer Partner Program. Daltra and dealer partners share finance income, with dealers receiving quarterly profit share payouts. On average, dealers see $2,000+ in additional profit per loan.
3. Portfolio Acquisition: Daltra purchases performing and non-performing auto loan portfolios from dealers, paying for the acquired loan books either in full or through partial carve-outs, generating income through loan servicing and portfolio management.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Daltra Capital is an indirect automotive lender that provides subprime and near-prime auto financing through a network of authorized dealer partners. The company purchases retail installment contracts from dealerships, underwrites and funds loans for credit-challenged borrowers, and services those loans throughout the term. Daltra also runs a Dealer Partner Program that shares backend finance income with dealers, and acquires performing and non-performing auto loan portfolios from dealers seeking to exit lending.

Product overview

Daltra Capital operates as an indirect automotive lender offering subprime auto financing through a Dealer Partner Program. The core product is secondary auto loans for customers with credit challenges, delivered via a network of authorized dealer partners. Supporting the core lending product are multiple integrated modules: Daltra Connect (CDK-certified DMS integration for automated deal matching), an AI Chat Assistant (Anthropic-powered customer support), an Auto Loan Calculator, a Portfolio Purchase Program for dealers, and a third-party Payment Portal (accountinfo.com by SST) handling loan servicing and payments. Daltra also reports to all three credit bureaus and maintains a Learn Center with educational content. The dealer-facing side includes AI-powered decisioning and verification systems for instant credit decisions and contract clearing.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• $2,000+ additional profit per loan for dealers through the Dealer Partner Program
• +3 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

Integration15 records

AI capability6 records

Feature4 records

Partnerships

Six partnerships are on record, tiered core.

• CDK Global (via Fortellis)coreTechnology or IntegrationDaltra Connect integrates through CDK's official Fortellis API platform, enabling automatic daily sync of FI Sales data from dealer DMS systems to Daltra's loan origination system.
• Dealertrack (via Cox Automotive)coreTechnology or IntegrationDaltra Connect integrates through Cox Automotive's certified data exchange network, connecting Dealertrack DMS with Daltra's loan system for automated deal matching and opportunity alerts.
• Reynolds and Reynolds (via Reynolds Certified Interface)coreTechnology or IntegrationDaltra Connect integrates through Reynolds and Reynolds' certified partner data exchange, enabling automatic daily sync and deal matching for dealers using Reynolds DMS.
• RouteOnecoreTechnology or IntegrationDaltra connects through RouteOne with full e-contracting capability, allowing dealers to submit deals through the system they already use with same-day funding for approved contracts.
• Dealertrack (e-contracting)coreTechnology or IntegrationDaltra supports e-contracting through Dealertrack, with AI verification clearing approved deals for same-day funding.
• Systems & Services Technologies (SST)coreTechnology or IntegrationSST operates Daltra's official loan servicing and payment portal (accountinfo.com). SST provides 24/7 account access and around-the-clock support for payments, balances, and loan information. Daltra Capital's loans are serviced by SST.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• RoadLoans: Indirect auto lender specializing in subprime and near-prime borrowers through online dealer submission; directly comparable product and channel.
• Credit Acceptance Corporation: The largest U.S. indirect subprime auto lender, funding loans through a nationwide dealer network and sharing backend profit with dealer partners — directly comparable to Daltra's Dealer Partner Program model.
• Westlake Financial: Indirect subprime auto lender with a national dealer network and proprietary dealer portal technology; comparable target customer (subprime borrowers) and channel (dealer partnerships).
• Exeter Finance: Indirect subprime and near-prime auto lender serving franchised and independent dealers; overlapping product (subprime installment financing) and identical indirect go-to-market.
• American Credit Acceptance: Indirect subprime auto finance company focused on dealer relationships and shared backend profitability — same business model as Daltra at slightly larger scale.
• DriveTime: Buy-Here-Pay-Here used vehicle retailer and subprime auto lender serving credit-challenged buyers; comparable end-borrower (deep subprime) though Daltra is indirect-only rather than captive.

Emerging players

• Lendbuzz: Tech-enabled subprime/non-prime auto lender using alternative data and AI underwriting; similar subprime focus and AI decisioning, but targets franchise dealers and a slightly higher credit band.
• MotoRefi: Digital auto finance platform serving near-prime and prime borrowers through a refinance and dealer channel; relevant emerging player using tech-enabled underwriting in adjacent credit bands.

Broad incumbents

• Ally Financial: Top-tier U.S. auto finance bank with deep-prime focus but a meaningful used-car and non-prime book; relevant incumbent competitor for dealer relationships and capital access.
• Capital One Auto Finance: Large national indirect auto lender (including non-prime through its dealer network); relevant incumbent that competes for the same dealer-partner relationships and indirect volume.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/daltra-capital-llc

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 Daltra Capital