BF2 — The Infrastructure for Global Auto-Yield

Florida Consumer Finance Licensed · CF9901640

The Infrastructure for
Global Auto-Yield.

Connect global capital to high-performing Florida auto-loans. We provide the licensed lending engine and the capital market rails. You provide the growth.

Start Originating View Investor Terminal

Scroll

The Engine

We serve both ends of the bridge.

Two sides of the same infrastructure — whether you originate loans or deploy capital, BF2 is the operating layer.

For Originators · Dealers & Platforms

Lending-as-a-Service

Plug into our Florida lending license. Launch your own branded finance product in days, not years. No regulatory burden, no overhead.

Features

Instant API Underwriting

Real-time decisions via JSON — no manual review queues.

Automated e-Contracting

Fully digital loan origination with e-signature and compliance baked in.

White-label Servicing

Your brand on top of our infrastructure — invisible to your customers.

For Capital Partners · Investors

Yield-as-Infrastructure

Direct, transparent access to Florida subprime auto-paper with institutional-grade technology and a real-time performance ledger.

Features

Real-time Performance Ledger

Every VIN, every payment, every default visible as it happens.

Cross-border Capital Rails

KYC/AML-compliant onboarding for international investors via Investor Node.

Automated Tax & SEC Reporting

2026-ready data structures — zero manual reconciliation.

The Market

The Florida Alpha.

Florida is the fastest-growing auto-lending market in the US — and BF2 holds the infrastructure that unlocks it for global capital.

Auto-Lending Market

Florida is the third-largest consumer auto-finance market in the United States by origination volume — with accelerating migration fuelling demand.

67%

Gig Prime™ Demographic

Over two-thirds of our target borrowers are gig-economy workers with strong cash flow but thin credit files — the segment banks systematically underserve.

18–22%

Gross Yield

Gross asset yield on originated portfolios — well above the institutional floor — driven by the structural spread between rate and risk in this segment.

Active origination markets across Florida — Miami-Dade, Broward, Hillsborough, Orange & beyond.

"We don't chase yield. We engineered the conditions to capture it — inside a licensed, compliant, data-driven origination engine."

The Differentiator

The Regulatory Fortress.

This is the section that closes the deal by removing legal anxiety.

"We are the Lender of Record. We are the Capital Gateway."

BF2 isn't just software. We are a fully regulated financial entity that handles the heavy lifting of compliance so you don't have to.

Consumer Finance Licensed

We own the regulatory relationship with the state of Florida. License CF9901640 — fully active, audited, and in good standing.

Tech Ready · 2026 Standards

Our data structures are built for the 2026 reporting standards — structured from day one for SEC, FinCEN, and investor-grade transparency.

Global KYC/AML Layer

Instantly onboard international investors through our compliant "Investor Node" — from Brazil to Singapore, the same trusted gateway.

The Tech Proof

Credit-as-Code.

We evaluate real cash flow, gig income velocity, and behavioral patterns — completely beyond the FICO framework — to identify the hidden prime borrower.

POST /api/v2/underwrite → 200 OK

// BF2 Underwriting Response — 47ms
{
  "applicant_id":    "FL-2026-00441",
  "fico_score":      null,
  "gig_velocity":    847,
  "income_streams":  3,
  "alt_score":       91,
  "decision":        "APPROVED",
  "rate_apr":        18.5,
  "collateral": {
    "vin":         "1HGCV1F34MA123456",
    "gps_active":  true,
    "title_lien":  true
  },
  "servicing":      "auto"
}

Alternative Data Underwriting

We score the "hidden prime" — Florida gig-economy and service workers that FICO ignores. Gig velocity, income streams, and behavioral patterns replace the credit score.

Smart Collateral

Integrated GPS and title management APIs ensure the asset is always protected. Every vehicle is tracked, every lien recorded — from origination to payoff.

Automated Servicing

AI-driven collections that maintain high repayment rates without human overhead. Payments, reminders, and escalations run on autopilot.

The 2026 Investor Terminal

"Your Portfolio, in Real-Time."

An interactive mock-up of the live dashboard.

BF2 Investor Terminal · Portfolio Dashboard Live

Net IRR

Trailing 12-month average

Delinquency Rate

30+ day past due

Principal Repatriated

$0M

Total recovered capital

Monthly Collections · Q1–Q2 2026

Principal

Interest

JanFebMarAprMayJun

Zero black boxes. Every payment, every VIN, every cent is visible.

🇧🇷 Investidor Brasileiro 🇺🇸 American Investor

Pricing & Scalability

We grow when you grow.

Transparent, aligned pricing. No hidden yield-drag, no surprises — just clean infrastructure fees.

Volume-Based

Per-Origination Fees

We grow when you grow. Transparent per-origination fees that scale proportionally with your volume — no minimums, no lock-in.

SaaS Infrastructure

Compliance Umbrella

A fixed monthly platform fee covers the full compliance umbrella — licensing, reporting, KYC/AML, and the 2026 regulatory framework.

No Hidden Yield-Drag

Rails for a Fee

We don't take a spread on your interest. We provide the rails for a fee — your yield stays your yield, every basis point untouched.

The Infrastructure forGlobal Auto-Yield.