One platform, shaped to your program

Licensing means your team runs the program and VeroOS is the system it runs on, configured to your credit policy and adopted module by module. Managed services means Vero operators run the day to day on the same platform under your brand, covering funding, servicing, audits and dealer support, with your balance sheet behind the program. Both sit on the same system of record, so the operating model can change without changing systems.

Wholesale floor plan finance, equipment finance, trade and supply chain finance, consumer auto floor plan, and rental and fleet finance. The workflows differ by how each market floors inventory, whether the collateral comes from an auction or direct from a manufacturer, and whether it is titled or on an MSO. They run on the same twelve modules and the same data model underneath.

No. VeroOS can be the core system of record for a wholesale program, or a single capability can run standalone alongside the core you already have. Title Management is the most common standalone deployment, running as its own system for title intake, verification, custody and release. Audits and the Dealer Portal work the same way. VeroOS is API-first, with 40+ live integrations across bureaus, open banking, valuations, titles, audits, payments, core banking and general ledger, and CRM and SSO, so a standalone system sits alongside your core rather than in front of it.

The build is the smaller half of the commitment. Supporting, securing and enhancing a specialized lending platform is the part that recurs every year, and it competes with the roadmap your engineers were hired for. AutoUse, which has financed independent auto dealers across the Northeast for more than 50 years, spent more than six months building its own dealer portal before stopping and going live on VeroOS in December 2025. Its portfolio has since grown by more than 20% on the same headcount.

On the managed services path the sequence is: configure the underwriting model, including advance rates and curtailment terms by vertical; onboard dealers through KYB, credit and portal access; turn funding on so first advances flow; then run servicing and audits on VeroOS. Programs on this path are built to reach first funding in weeks rather than quarters. A licensed deployment depends on the modules in scope and the integrations required.

Banks, captive finance companies, OEMs and distributors, independent finance companies and auctions, from lenders launching a first wholesale program to established books modernizing one they have run for years. Whichever model you choose, your credit policy and approval authority stay yours, and VeroOS operates SOC 2 Type II compliant controls with role-based access, SSO and a complete audit trail for vendor review.