Model Finance

Established in 1962, Model Finance Company, Inc. (“MFC”) is an independent, licensed finance company primarily engaged in originating, acquiring, and servicing direct financing contracts supporting consumer purchases of motorcycles, ATVs, watercraft, and other recreational powersport vehicles. Based in Orange, California, MFC proudly partners with over 200 powersport dealers across ten states, reinforcing its position as a crucial partner in the industry. Through its specialized lending approach, MFC has cultivated exceptional risk management expertise designed specifically for subprime borrowers, enabling its dealers to tap into a broader and more diverse customer base.

Given Promontory’s previous advisory experience with privately-held companies, including independent finance companies, MFC’s ownership engaged Promontory to explore strategic and financial alternatives for the business. Promontory led a comprehensive engagement, developing a detailed memorandum that articulated MFC’s business model and objectives, followed by targeted outreach to potential finance partners eager for growth opportunities. This proactive approach generated substantial market interest, culminating in MFC signing a Letter of Intent with Agora Data, a leading consumer fintech company specializing in the subprime and non-prime markets.