AmeriTrust Financial Technologies (AMT) Corporate presentation summary

Business overview

• Operates a proprietary technology platform focused on used vehicle auto leasing, offering a unique alternative to traditional retail financing in the US market.

• Licensed in 38 states with over 700 active dealers onboarded, targeting an underserved segment with significant growth potential.

• Core business model centers on providing lower monthly payments and less upfront cost for consumers, while offering higher yields and better risk profiles for lending partners.

• Three primary revenue streams: origination and financing (AmeriTrust Financial), servicing (AmeriTrust Serves), and vehicle remarketing (AmeriTrust Auto).

• Proprietary technology enables rapid credit decisioning, automated funding, and streamlined dealer integration.

Market opportunity

• US auto sales reached approximately $2 trillion in 2023, with used vehicles accounting for about 60% of the market.

• Used vehicle leasing represents less than 2% of the market, compared to 20-30% for new vehicles, indicating substantial room for expansion.

• At 10-20% penetration, the used car leasing market could represent $100-$250 billion annually.

• Financing is used in 40% of used and 80% of new vehicle purchases, supporting demand for innovative financing solutions.

Competitive advantages

• Market-leading technology automates underwriting, fraud checks, and funding, enabling same-day funding and efficient servicing.

• Integrated with major dealer systems (RouteOne, Dealertrack) for seamless dealer experience.

• Deep expertise in used car leasing and risk-based pricing, with an average lessee FICO score above 700.

• Ability to capture additional value through direct-to-consumer remarketing and vehicle protection products.