CARRUSLiNK

    Quick answer · Dealer ↔ leasing

    What is white-label leasing for a car dealership?

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    TL;DR

    White-label leasing means the dealership offers leasing under its own brand, while an underlying financing partner (Krone Kapital, Santander Consumer, AL Finans) handles contract calculation and credit risk. The dealership owns the customer dialogue, pricing, and marketing — the partner provides the balance sheet. CARRUSLiNK is the system that allows the dealership to operate this as its own leasing business without owning the financing.

    This model is common among medium-sized dealerships (50-500 cars) that want leasing as a revenue stream without building their own leasing company. The dealership brands the contract ('XYZ Auto Leasing'), takes a margin of 8-15% of the payment, and uses its existing relationship to sell repurchases upon expiry. The financing partner views the car as standard leasing — the paperwork happens behind the scenes.

    The critical operational part is contract and customer management. The dealership must be able to handle contract expiry, renewal, residual value return, and customer dialogue — everything a leasing company would normally do. CARRUSLiNK is built to provide the dealership with the same operational capability as a dedicated leasing company, without building a back office from scratch.

    Key facts

    • Dealership brands the contract — the customer sees the dealership’s logo
    • Financing partner is responsible for calculation, credit assessment, and balance sheet
    • Dealership margin typically 8-15% of the monthly payment
    • Dealership owns the entire customer relationship and repurchase
    • CARRUSLiNK provides the operational layer: contract, dialogue, expiry, renewal
    • Scales from 50 to 2,000 active agreements without an additional back office team

    See the white-label leasing stack — from branded contract to repurchase in 30 min.