Lender Recovery Solutions
Recover vehicles faster with connected vehicle intelligence, skip tracing, recovery management, and nationwide recovery services designed for today’s auto lenders.
The 2026 Lender Reality
Auto lenders are facing rising portfolio risk, shrinking recovery margins, and increasing operational complexity. As vehicle values fluctuate and delinquencies rise, fragmented recovery strategies make it harder to locate collateral, reduce losses, and maximize recovery performance.
$1.6T
Outstanding auto debt driven by elevated vehicle prices and extended terms
~30%
Below-prime borrowers representing higher-risk portfolio exposure
3.4M
Projected annual repossessions requiring faster, earlier intervention
~15%
Used-vehicle depreciation at pre-pandemic norms, compressing net recovery
The Vehicle Recovery Lifecycle
Identify Recovery Opportunities
Use vehicle intelligence to validate collateral information, identify potential recovery opportunities, monitor critical vehicle events, and prioritize accounts throughout the loan lifecycle.
Locate Vehicles
Use nationwide license plate recognition (LPR) data, vehicle sightings, location intelligence, and vehicle search tools to help locate collateral and support recovery efforts.
Assign Recovery Agencies
Route recovery assignments through configurable workflows that connect qualified recovery agencies with the right opportunities based on coverage, operational requirements, and recovery strategy.
Recover the Vehicle
Coordinate vehicle recoveries through a nationwide recovery network, helping improve operational efficiency, reduce delays, and support recovery performance.
Resolve Complex Cases
Resolve high-risk and late-stage recovery cases through expert-led investigations, compliance support, and specialized recovery expertise.
Connected Vehicle Recovery Ecosystem
Modern lenders combine vehicle intelligence, recovery management, and expert investigations into one connected workflow that helps reduce delays, improve operational efficiency, and support better recovery outcomes.
DRN: The Intelligence Core
DRN delivers LPR intelligence that helps lenders monitor collateral, validate recovery risk, and locate vehicles throughout the loan lifecycle.
- Vehicle location intelligence
- Verified vehicle sightings
- Portfolio monitoring
- Recovery risk insights
- Impound notifications
- Critical vehicle alerts
- Active duty alerts
MVTRAC: The Recovery Engine
MVTRAC delivers recovery management solutions that help lenders assign, manage, and track vehicle recoveries through a nationwide recovery network.
- Nationwide recovery network
- Smart assignment routing
- Recovery management
- Recovery workflow automation
- LPR staging
- Impound management
- Condition & appraisal reports
SCM: The Recovery Specialists
SCM delivers specialized recovery services that help lenders investigate complex cases, locate difficult-to-find vehicles, and resolve high-risk accounts.
- Advanced skip tracing
- Expert investigations
- Specialized asset recovery
- Impound resolution
- Compliance services
- Transport coordination
- Vehicle remarketing
Frequently Asked Questions
How do lenders recover financed vehicles?
The recovery process typically includes identifying recovery opportunities, locating collateral, assigning qualified recovery agencies, recovering the vehicle, and resolving complex recovery cases. Modern recovery strategies combine vehicle intelligence, recovery management, and expert investigations to streamline each stage.
What is vehicle intelligence?
Vehicle intelligence combines license plate recognition (LPR) data, vehicle sightings, location intelligence, analytics, and alerts to provide greater visibility into collateral throughout the loan lifecycle. Lenders use vehicle intelligence to support recovery operations and make more informed decisions.
How does license plate recognition (LPR) help lenders?
License plate recognition (LPR) provides vehicle sighting data that helps lenders locate collateral, monitor critical vehicle events, validate asset information, and support recovery operations throughout the loan lifecycle.
What is collateral monitoring?
Collateral monitoring helps lenders maintain visibility into financed vehicles by identifying important vehicle events and supporting recovery strategies before losses increase.
What is recovery management?
Recovery management helps lenders coordinate assignments, manage recovery workflows, monitor recovery activity, and improve communication with recovery agencies throughout the repossession process.
How do DRN, MVTRAC, and SCM work together?
DRN, MVTRAC, and SCM provide a connected approach to vehicle recovery. DRN delivers vehicle intelligence, MVTRAC manages recovery assignments through a nationwide recovery network, and SCM supports complex recovery cases with expert-led investigations and specialized recovery services.
How can lenders reduce days to recovery?
Reducing days to recovery requires earlier visibility into collateral, efficient assignment workflows, and coordinated recovery operations. Combining vehicle intelligence with recovery management helps lenders act more quickly and improve operational efficiency.
Why is a connected recovery strategy important?
A connected recovery strategy brings together vehicle intelligence, recovery management, and specialized recovery services into a unified workflow. This helps reduce operational silos, improve collaboration, and support more consistent recovery outcomes.