Vero Technologies

??? Let’s talk about title management. If you're a lender offering floorplan or equipment finance programs, you know the operational drag of managing titles across states, assets, and borrowers. The most common challenges we hear from our partners: ?? No system of record for title location or status ?? Manual shipping processes with zero tracking ?? Titles getting lost in transit or in the vault ?? Constant back-and-forth between dealers, auctions, and operations teams Vero was built to solve this from the ground up. Here’s how we help: ?? Seamless FedEx API integration for real-time label creation + tracking ?? Bulk OCR indexing so every title is digitized and searchable ?? Barcode vault tracking that matches each title to the right asset ?? Automated reminders and workflows to reduce title delays We’re working with banks, captives, and independent lenders to bring transparency, automation, and speed to one of the most frustrating parts of the post-funding process. If your team is spending too much time chasing paper, let’s talk. #floorplan #equipmentfinance #operations #titles #fintech #lenders

Proactive risk management is like flossing. ?? No one brags about it, it’s not flashy, but skip it too long and—surprise—you’ve got a painful problem that costs way more to fix ?? In equipment and auto finance, risk is rarely a single, loud event. It’s a slow leak. A missed title transfer here. A creeping delinquency there. A portfolio that looked good on paper… until Q2 inventory didn’t move. Smart lenders aren’t just playing defense. They’re running scenarios, tightening ops, and using data as a flashlight, not a rearview mirror. Because here’s the truth: by the time risk shows up in a spreadsheet, it’s already a guest in your house. ?? Proactive risk leaders do things like: Build “what-if” models before things go sideways ?? Keep tabs on partner behavior—how they act, not just what they say Treat back office systems as strategic assets, not necessary evils Is it glamorous? Nope. Does it move the needle? Every single time. And in a market like this—tight credit, unpredictable demand, higher scrutiny—proactive > reactive, every day of the week. What’s one low-key risk move you’ve seen pay off big? ?? Curious to hear how others are staying ahead.

Some lessons are learned the hard way. Building a wholesale finance platform in-house sounds great… until you’re deep in compliance hurdles, tech debt, and operational chaos. Lenders should focus on lending—not reinventing the wheel. That’s where we come in. Let’s make it easier ??

Title management isn’t sexy, but you know what’s even less sexy? ?? Losing deals because of title delays ?? Wasting hours tracking down missing paperwork ?? Holding up cash flow because assets are stuck in limbo For lenders, fleet operators, and dealers, titles aren’t just paperwork—they’re the key to liquidity. If your process relies on spreadsheets, emails, and “Let me check on that and get back to you”… you’re already behind. The real problem ?? Most title management systems are: ? Slow (paper-based or outdated portals) ? Manual (too many touchpoints, too much human error) ? Disconnected (no integration with lending or logistics) That means: ?? Floorplan lenders can’t move inventory fast enough ?? Dealers get stuck waiting on titles before they can sell ?? Fleet operators struggle to track assets at scale And all of that translates to lost revenue. What a modern title system should actually do ? ?? Bulk digitization – Scan, extract, and store title data instantly ?? Real-time tracking – Know exactly where every title is at all times ?? Automated shipping & alerts – No more “checking in” on status updates ?? LMS & DMS integration – Seamless data flow between systems Titles shouldn’t be a bottleneck. They should be a growth lever. If your title process still feels like 2005, it’s time to rethink it. What’s your biggest title headache? Let’s hear it in the comments ??

?? Is Bundled Fleet Financing the Future? Fleet operators are under pressure to reduce costs and improve efficiency, and major manufacturers like Ford and GM are taking notice. Their latest move? Bundled fleet solutions—combining financing, maintenance, and telematics into a single package. Why It Matters ?? Cost Efficiency Predictable expenses and reduced total ownership costs. ?? Operational Streamlining One provider for financing, repairs, and vehicle tracking. ?? Residual Value Management Smarter leasing structures to optimize depreciation. ?? Access to Advanced Technology Integrated telematics for better fleet performance. ?? OEM Partnerships Automakers aligning financing with industry-specific needs. What’s Next? Fleet financing is evolving, and companies must adapt. ? Will traditional leases, subscription models, or fully integrated financing lead the way? ? How can businesses leverage data-driven insights and flexible financing structures to stay ahead? Are you seeing a shift in commercial fleet financing requirements? How is your business adapting?

The Fed decided to hold steady on interest rates today as economic uncertainty keeps markets guessing ?? Quick rundown: Interest rates remain at 4.25% to 4.5%, signaling cautious optimism about credit markets. Inflation is expected to inch upward from 2.5% to 2.7%, potentially nudging financing costs higher. ?? New tariffs on Canada and Mexico, effective April 2, might stir some turbulence in supply chains—something to watch if you're in auto lending or inventory financing. ???? Analysts see up to half a percentage point in potential rate cuts by year's end, opening strategic refinancing opportunities if you're planning ahead. Eyes are now on Fed Chair Jerome Powell for clues on the next move. Feeling prepared for these market twists? Now might be a good time to revisit your financing strategy. Let's chat about navigating what's next. ??

Is wholesale finance due for a ?glow-up?? We get it: wholesale finance isn't exactly the flashiest corner of fintech. But consider this—almost every innovation you love in consumer lending has lessons that wholesale finance could borrow (pun absolutely intended). Why do we still deal with mountains of titles, manual approvals, and legacy systems that seem older than your boss's TikTok references? There's a clear opportunity to streamline processes, accelerate transactions, and—wait for it—actually enjoy managing your asset portfolios. And here's a hot take: efficiency isn’t just nice to have, it's becoming table stakes. The players who get ahead of these shifts won't just save headaches—they'll redefine what it means to succeed in our industry. ???? So, what's holding wholesale finance back from catching up to its more tech-savvy cousin? Curious about your thoughts—drop 'em below! ??

Feeling overwhelmed by all the noise in specialized finance? ?? Here's our quick roundup of some of this week's news in asset, auto, and trade finance: ?? Rate Revenge The News: Interest rates may have paused, but subprime auto loan delinquencies surged dramatically, with 6.56% of borrowers now over 60 days late—the highest rate since records began in 1994. Rising inflation, high vehicle prices, and stretched consumer budgets have compounded, making repayments increasingly challenging. Why It Matters: Lenders are tightening credit standards rapidly, potentially reducing car-buying power for consumers and compressing margins for dealerships already dealing with slimmer inventories. Our Take: This isn't just a temporary setback—it's a flashing warning sign indicating broader financial distress among consumers. Expect lenders and dealerships to increase risk management efforts significantly over the coming quarters. ?? Green is the New Gold? The News: Novuna Business Finance unveiled an innovative pilot program dedicated to financing low-carbon and sustainable assets specifically targeting small and medium-sized enterprises. This initiative aligns with broader efforts to reduce carbon emissions and boost sustainable economic practices. Why It Matters: This pilot not only provides SMEs with affordable ways to transition toward sustainability but also positions Novuna as a frontrunner in green finance solutions. Our Take: Sustainability-focused finance isn't just good optics; it's becoming essential for competitive positioning. Companies lagging behind in sustainable offerings could see their market positions erode. ?? Wholesale Finance Under Pressure The News: Wholesale lenders including Wells Fargo and Westlake recently introduced enhanced financial support mechanisms for dealers, such as zero-percent floorplan interest promotions and manufacturer-backed credits, aiming to mitigate increased holding costs and high interest rates on vehicle inventories. Why It Matters: With rising inventory carrying costs, dealerships face shrinking profit margins, and these new benefits could provide necessary relief and flexibility. Our Take: Adaptation in wholesale finance strategies is no longer optional. Forward-thinking lenders will need to continuously evolve their financial products to maintain dealer stability and loyalty amidst economic volatility. ?? If this quick hit of intel caught your attention, hit like, make sure you're following us, and stay tuned... There MIGHT just be a new newsletter dropping soon to cut through the noise with insights you actually need. ?? ??

Big congrats to Bradley Shepard on celebrating 3?? amazing years at Vero! ?? As our VP of Product, Bradley has been an absolute powerhouse, continuously driving innovation, creativity, and growth in our products. Your dedication, leadership, and contagious optimism and energy inspire us daily! Thanks for all that you do, Bradley—excited for what's ahead! Here’s to many more milestones together ???