Partner with us
At North West Recreational Finance, we understand the unique needs of dealerships across British Columbia and Canada. Our commitment to excellence and adaptability means we're more than just a finance partner—we're an extension of your team, dedicated to helping you close more deals. Explore how our tailored approach can significantly contribute to your dealership's success.
Frequently asked questions for dealerships
Navigating finance solutions for your customers can be complex. We've compiled the most common questions dealerships ask about partnering with North West Recreational Finance. Our goal is to provide clear, concise answers, outlining our process, benefits, and how we operate as your trusted virtual finance office.
When considering a finance partner, what are the most common questions or concerns dealerships have?
1. “How much is this going to cost us?”
There are no fixed costs. No salary, no retainers, no per-application fees. We’re only paid when a deal is funded. If a deal doesn’t close, it costs the dealership nothing. That makes it a low-risk, performance-based partnership, not an overhead expense.
2. “Do we lose control of the deal or the customer?”
The dealership always remains the seller of record and stays in control of pricing, inventory, and customer relationships. We simply handle the financing side—submissions, lender communication, structuring, and funding. Think of us as an extension of your team, not a replacement.
3. “How is this different from what we already do or could do in-house?”
Most dealerships can handle straightforward deals.
Where deals are lost is with: Tougher credit files, declines and re-submissions, time-consuming lender follow-ups. We specialize in those situations and manage them end-to-end—without the dealership having to hire, train, or carry payroll.
“Is this going to make my life easier and help me sell more without creating new problems?” That’s exactly what the model is designed to do.
What’s the biggest advantage for a dealership working with North West Recreational Finance?
The biggest advantage of working with North West Recreational Finance is that dealerships get more deals funded without adding payroll, overhead, or operational stress. That’s the real difference.
Financing is often where deals slow down, get complicated, or fall apart—especially when: credit is marginal, sales staff are stretched thin, there’s no dedicated finance manager, or lenders require extra structure and follow-up.
Most dealerships either try to handle this internally or consider hiring in-house, which comes with salary, benefits, training, and risk. We eliminate that problem.
By partnering with us, dealerships: convert more customers into buyers, including tougher credit files; avoid paying a full-time finance salary, even during slow months; free up their sales team to focus on selling, not paperwork; get experienced lender communication and deal structuring without the learning curve; see cleaner, faster funding, improving cash flow and because we’re only paid when deals fund, there’s no financial risk in trying the partnership.
Could you briefly explain what happens from the moment a dealer sends us a customer’s finance application until the deal is funded?
How it works: Once a dealership sends us a customer’s finance application, we take it from there. First, we review the application and structure the deal to match lender guidelines before anything is submitted. This step alone helps prevent unnecessary declines and delays.
Next, we submit the application through Dealertrack and communicate directly with lenders to secure the best possible approval. We handle all underwriter questions, adjustments, and follow-ups.
Once approved, we coordinate and collect any required documentation, review conditions, and ensure everything is completed correctly so funding isn’t delayed. Finally, we stay involved through to funding, following up with the lender until the deal is fully approved, funded, and ready for delivery.
Throughout the process, the dealership remains the seller of record, stays informed at every step, and can focus on selling while we manage the financing.
What types of customer financing situations or challenges are we especially good at solving for dealerships?
While we handle all types of customer financing, we’re especially strong in situations where deals tend to stall, get declined, or fall apart for dealerships. These include:
Credit-challenged & non-prime customers: We regularly work with customers who have: limited or thin credit history, past collections, late payments, or write-offs, consumer proposals or prior bankruptcies, higher debt ratios. These files require proper structuring and direct lender communication, which is where many approvals are won or lost.
Previously declined or abandoned deals: Many of our funded deals started as: automatic declines, applications a dealer didn’t have time to revisit, customers told “no” elsewhere. We specialize in reviewing what went wrong, re-structuring the deal, and matching it to the right lender or program.
Complex income situations: We’re particularly effective with customers who are: self-employed, commission-based, seasonal workers, newly employed. These situations often require additional explanation and documentation that sales teams don’t have time to manage.
Low or no down payment scenarios: When down payment is limited, structure matters. We work to find solutions that balance: loan-to-value requirements, term and payment structure, lender comfort. This often turns “maybe” deals into approved ones.
Time-sensitive or stalled files: When a deal is dragging on due to: stipulations, underwriter questions, missing documents. We step in, take ownership, and push it through to funding so deals don’t die from delays.
Grow your business with us
Your journey towards increased sales and reduced overhead begins here. Discover how North West Recreational Finance can empower your dealership to close more deals, manage complex financing, and free up your sales team to do what they do best. Join us in building a stronger, more profitable future. We're ready to be your dedicated finance partner.