Developed a subscription facility based on the format of a traditional product with Westlake Financial/CULA
Subscription Lending structured for a different asset class
Traditional facilities do not map cleanly onto subscription fleet portfolios. VYCL helps lenders build the right products, designed to promote scale while adhering to tested risk mitigation formulas that make them viable. Its collateralized, its compliant, its not traditional, its not next, its now.
One Step at a Time
Authored revolutionary Line of Credit with Hawaii National Bank specifically designed for Vehicle Subscription.
Developed KEYVO, the subscription underwriting and portfolio monitoring platform that sits at the hub of true adoption.
Delivering Proforma projections powered by historical data to back cash flow modeling, business growth and strategic decision making.
Subscription fleet financing models designed to mitigate risk, generate profits and accelerate adoption.
Facilitating partnerships for Lenders to promote responsible growth and returns.
Powered by Axle protecting the assets to generate quality returns.
Featured partners
KEYVOWestlake FinancialCULAAxle
The lender problem
Subscription portfolios need different data, different vehicle subscription underwriting, and different monitoring from how to finance a subscription fleet through a closed subscription lending facility agreement.
Collateral doesn’t behave like a single-asset auto loan — fleets turn over, mileage accrues, and exposure spans multiple subscribers.
VYCL structures fleet collateral, lien positions, and lender-ready documentation aligned to how subscription inventory actually moves.
Monthly subscriber revenue, churn, and utilization don’t fit standard amortization schedules or indirect dealer loan tapes.
We build pro formas and data tapes mapped to subscription cash flows — the same approach used to close FlexRide’s facility with Westlake and CULA.
You can’t monitor portfolio risk without subscriber-level insurance and eligibility verified continuously, not at origination only.
VYCL integrates Axle for real-time insurance compliance and KEYVO for structured underwriting data on every rooftop in the portfolio.
VYCL has already closed a subscription lending facility.
We structured and closed institutional lending with Westlake Financial and CULA for FlexRide by King a live reference for subscription auto portfolio financing, auto lender subscription program partnership, and automotive fleet financing consultant-led facility design in production.
Westlake FinancialCULAFlexRide by King