Lender Recovery Solutions
Recover vehicles faster with a connected intelligence system, skip tracing, recovery management, and nationwide recovery services designed for today’s auto lenders.
The 2026 Lender Reality
Auto lenders are facing rising risk, shrinking recovery margins, and increasing operational complexity, making fragmented recovery strategies ineffective.
$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 Unified Vehicle Recovery Lifecycle
Identify Recovery Opportunities
Prevent charge-offs before they happen by automatically sorting delinquent accounts and critical events early to maximize recovery performance with actionable intelligence.
Locate Vehicles
By combining live LPR analytics and geospatial alerts with MVTRAC's recovery automations and SCM’s 150+ in-house skip specialists, even the most elusive assets are pinpointed quickly and accurately.
Assign Recovery Agencies
Eliminate assignment delays with 24/7 automated routing. MVTRAC instantly matches orders to top-performing, pre-approved agents based on real-time agent proximity and recent LPR scan data, getting agents on the ground faster.
Recover the Vehicle
Empower agents to instantly verify live account status and receive immediate digital authorization in the field, eliminating phone delays and preventing wrongful repossessions.
Resolve Complex Cases
Tackle hard-to-find assets and late-stage defaults with expert-led investigation teams and specialized recovery resources including proactive loss alerts and automatic geographic suppression protects your brand in disaster or moratorium zones.
A Unified Recovery Strategy
Eliminate silos and bring intelligence, execution, and investigation together into a single recovery workflow.
DRN: The Intelligence Core
DRN transforms license plate recognition (LPR) data into vehicle intelligence that helps lenders gain greater visibility into collateral throughout the recovery lifecycle.
- Vehicle Search
- Vehicle Location Intelligence
- Impound Notifications
- Risk Scoring
- Critical Vehicle Alerts
- Portfolio Monitoring
- Active Duty Alerts
MVTRAC: The Recovery Engine
MVTRAC streamlines recovery operations by connecting lenders with a nationwide recovery network, configurable workflows, and recovery management solutions.
- Nationwide Recovery Network
- Smart Assign
- Recovery Management
- LPR Staging
- Condition/Appraisal Reports
- Impound Management
- Recovery Workflows
SCM: The Deep Skip Specialist
SCM specializes in complex recovery cases through expert-led investigations, compliance services, and specialized recovery solutions for high-risk and late-stage accounts.
- Expert-led Investigations
- Specialized Asset Recovery
- Compliance Services
- Transport Coordination
- Loss Mitigation
- Vehicle Appraisals
- Vehicle Remarketing
Frequently Asked Questions
How can lenders reduce days to recovery to protect vehicle value?
The unified DRN, MVTRAC, and SCM recovery system bypasses manual delays by instantly pairing live LPR scans with deep-skip experts when necessary and 24/7 automated field dispatch.
How does the Recovery Solution locate lost vehicles?
By pairing historical LPR location data with SCM’s 150+ in-house skip specialists for deep, active investigation.
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.
How do you prevent wrongful repossessions and compliance penalties in the field?
MVTRAC provides instant mobile clearances, letting agents verify live account status before hookup to prevent wrongful repossessions.
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.
What is the fastest way to lower charge-off rates on high-risk auto portfolios?
Continuous portfolio monitoring flags risk instantly, triggering MVTRAC field action or SCM skip investigation.
Why is a 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.
How can lenders eliminate delays when assigning repossession agents?
Through MVTRAC’s automated Smart Assign, which instantly routes orders using real-time agent proximity and scan data.