FOR IMMEDIATE RELEASE  

For more information contact:
Carleton Sales Team
574.243.6040 option #3
sales@carletoninc.com

 

Nearly two-thirds of lenders lack confidence to survive a multi-state examination today, as state regulatory activity surges and APR calculation errors prove rampant

SOUTH BEND, IN — Carleton, a leading provider of compliant loan calculation and disclosure solutions, released findings from a nationwide March 2026 survey, revealing a widespread compliance confidence crisis driven largely by a dramatic shift toward state-level regulatory oversight and systemic vulnerabilities in how organizations validate lending calculations.

The online survey, presented to more than 2,000 financial services and automotive lending professionals, found that the regulatory landscape has fundamentally changed. A commanding 73% of respondents reported that state regulators have been more active than their federal counterparts over the last 24 months; a development with profound implications for any organization operating across multiple jurisdictions. Compounding this challenge, 89% of respondents indicated that regulatory changes requiring system or calculation updates occur frequently or almost always, underscoring the relentless pace of change that compliance teams are being asked to absorb.

Perhaps the most striking finding is the prevalence of APR errors under the Truth in Lending Act (TILA). A staggering 72% of organizations identified at least one loan requiring an APR reimbursement under TILA in the past 12 months alone. These are not only hypothetical risks, but they also represent active, ongoing compliance failures with direct financial and legal consequences. The most commonly cited drivers of calculation errors align with longstanding industry pressure points: incorrect application of interest rates, improper calculations or APR disclosures, miscalculated fees and add-on products, and applying complex of tiered rates structures and variable payment schedules.

The survey data also shows a significant gap between the scale of compliance risk and the rigor of current validation practices. Only 10% of organizations validate their calculations in a systematic, automated manner. The majority, 56%, rely on manual or only partial checks, leaving them exposed to pattern-of-practice violations that regulators specifically target. This gap is reflected directly in confidence levels: 67% of professionals surveyed said they are not confident or only slightly confident in their organization’s ability to survive a multi-state examination today.

The operational burden is profound. With state-level rules varying widely and changing frequently, organizations operating across multiple jurisdictions face compounding complexity in keeping systems current and calculations accurate. Respondents pointed to the difficulty of interpreting multi-state regulatory requirements, updating and testing loan calculation logic, and coordinating changes across multiple vendors or internal systems as their top compliance challenges. The cost of getting it wrong, in the form of reimbursements, audit findings, and regulatory scrutiny, is increasingly tangible.

Looking ahead, lenders indicated strong demand for tools that reduce errors and close compliance gaps. Top desired improvements included more accurate and reliable calculation software, improved audit readiness and reporting, better real-time monitoring for compliance violations, and stronger system integration across lending platforms. Taken together, the findings reveal a sector urgently seeking greater accuracy, automation, and confidence without sacrificing operational efficiency.

“This data makes clear that the compliance challenge facing lenders today isn’t just about keeping up with regulatory changes, but also about having systems precise enough to catch errors before regulators do,” said Tim Yalich, Vice President of Business Development at Carleton. “When nearly three-quarters of lenders have already had to reimburse borrowers for APR miscalculations, and the majority are still relying on manual validation, the industry has a structural problem that demands a structural solution. Carleton exists precisely to give lenders the calculation accuracy and multi-state compliance confidence they need.”

 

About Carleton, Inc.

Carleton provides integrated financial solutions that support the full lending lifecycle, delivering accurate and compliant loan origination calculations, automated document generation and delivery, and expert audit and compliance services nationwide. For more than 55 years, Carleton has been trusted by lenders, financial institutions, and technology providers to navigate complex federal and state regulations while reducing risk and improving operational efficiency. By unifying calculation accuracy, regulatory compliance, and document workflows into a foundational solution, Carleton elevates its partners’ platforms, helping them accelerate funding, maintain confidence in compliance, and focus on growing their business. To learn more about Carleton’s lending solutions, contact our sales team at sales@carletoninc.com or 574-243-6040 option #3.

Subprime Auto Finance News released its 2026 “Special Finance 175: The Most Influential Companies” in the auto finance industry this month.

Carleton was thrilled to be featured on this list again this year, and the acknowledgement is a testament to our team’s ongoing commitment to innovation and to delivering unmatched support for our partners.

Nick Zulovich, senior editor at Cherokee Media Group, explains further in the magazine’s April issue saying, “These companies know to handle uncertainty and still deliver great value […].” Nick continued, “Let this issue be a salute to each of you, your management teams, your representatives in the field, and your support systems that go well beyond brick-and-mortar buildings and communications infrastructure.”

 

View Digital Magazine (April 2026)

 

About Carleton, Inc.

Carleton provides integrated financial solutions that support the full lending lifecycle, delivering accurate and compliant loan origination calculations, automated document generation and delivery, and expert audit and compliance services nationwide. For more than 55 years, Carleton has been trusted by lenders, financial institutions, and technology providers to navigate complex federal and state regulations while reducing risk and improving operational efficiency. By unifying calculation accuracy, regulatory compliance, and document workflows into a foundational solution, Carleton elevates its partners’ platforms, helping them accelerate funding, maintain confidence in compliance, and focus on growing their business. To learn more about Carleton’s lending solutions, contact our sales team at sales@carletoninc.com or 574-243-6040 option #3.

FOR IMMEDIATE RELEASE  

For more information contact:
Carleton Sales Team
574.243.6040 option #3
sales@carletoninc.com

 

Jacksonville, Fla: LAUNCHER.SOLUTIONS (Launcher), a technology provider of loan origination technology for automotive and consumer lenders, announced today a strategic product integration between its appTRAKER™ Loan Origination System (LOS) and CarletonDocs® from Carleton, Inc.’s compliant document generation platform.

By incorporating CarletonDocs® into the appTRAKER™ platform, Launcher further strengthens its comprehensive loan origination ecosystem, providing lenders with a seamless process from application through document preparation and funding. The integration allows lenders to generate dynamic deal jackets with accurate disclosures while maintaining compliance with evolving state and federal regulations.

“We’ve had a long and productive partnership with Carleton, and our successful integrations with CarletonCalcs® have delivered TILA-accurate disclosure calculations and regulatory compliance validation for lenders on the appTRAKER™ platform,” said Nikh Nath, President of LAUNCHER.SOLUTIONS. “Building on that strong foundation, integrating CarletonDocs® was a natural next step. It allows us to extend that same level of accuracy and compliance into the document generation process, enabling lenders to produce compliant lending documents directly within their workflow. Our goal is always to provide lenders with practical, well-integrated tools that improve efficiency while maintaining confidence in the accuracy and compliance of every deal.”

“Our work with the Launcher team over the years has been instrumental in driving meaningful progress, and we’re excited to see our partnership continue to grow and evolve,” said Matt Ruszkowski, President and COO of Carleton, Inc. “By expanding Carleton’s CarletonDocs® document generation functionality within the appTRAKER LOS platform, we are enabling their customers to streamline workflows, reduce operational risk, and maintain confidence in compliance as regulatory complexity continues to evolve. This enhancement reinforces the value Carleton brings to our partners, not just as a technology provider, but as a trusted compliance ally.”

The integration with CarletonDocs® reflects Launcher’s continued commitment to expanding the capabilities of the appTRAKER™ platform through strategic technology partnerships. By combining workflow automation, integrated data services, and regulatory compliance tools, appTRAKER™ enables banks and lenders to streamline lending operations while maintaining confidence in compliance within an increasingly complex regulatory landscape.

 

Read EIN Presswire Announcement

 

About LAUNCHER.SOLUTIONS

LAUNCHER.SOLUTIONS is a technology products and services company built on the foundation of care, understanding, innovation, and speed. It specializes in loan originations for consumer and automotive lending institutions, regional banks, and credit unions. Its product offerings include appTRAKER™ LOS for indirect automotive and consumer direct lending and leasing, myDEALER.CARE dealer relationship management system, and my.LOAN, a customer digital acquisition and self-service and communication solution. Learn more at www.launcher.solutions or call 877.5LNCHER. Follow LAUNCHER.SOLUTIONS on LinkedIn.

 

About Carleton, Inc.

Carleton provides integrated financial solutions that support the full lending lifecycle, delivering accurate and compliant loan origination calculations, automated document generation and delivery, and expert audit and compliance services nationwide. For more than 55 years, Carleton has been trusted by lenders, financial institutions, and technology providers to navigate complex federal and state regulations while reducing risk and improving operational efficiency. By unifying calculation accuracy, regulatory compliance, and document workflows into a foundational solution, Carleton elevates its partners’ platforms, helping them accelerate funding, maintain confidence in compliance, and focus on growing their business. To learn more about Carleton’s lending solutions, contact our sales team at sales@carletoninc.com or 574-243-6040 option #3.

FOR IMMEDIATE RELEASE

For more information contact:

Carleton Sales Team

574.243.6040 option #3

sales@carletoninc.com

Summary

New York has enacted SB 8408, which expands the Department of Financial Services’ (DFS) authority to impose civil penalties on any person or company engaging in regulated financial activities without proper licensing. The law applies to all regulated financial activities under New York Banking and Financial Services Law, extends civil penalties to unlicensed entities, and authorizes DFS to impose restitution and enhanced penalties when consumer harm occurs.

This reflects a wider trend among states to attempt to establish jurisdiction predicated on the location of the borrower rather than that of the lender. Models relying on “rate exportation” or bank partnerships could potentially still face scrutiny if not properly licensed or exempt.

Impact on Out-of-State Lenders

• Lending to New York residents, even remotely, may require a New York license.

• Physical presence in New York is not required for enforcement. Internet or remote lending may trigger these obligations.

• Non-compliance can result in significant civil penalties and enforcement actions.

Action Steps

• Review lending programs for New York consumer exposure.

• Confirm licensing or exemption status under the law.

• For use within the Carleton Software Modules, if you need to review or create a New York compliance file, submit a case to our customer support portal.

If you are a Carleton partner and would like additional information or would like to request a file update, please submit a case in the Carleton Customer Portal.

 

About Carleton, Inc.

Carleton is the country’s leading provider of financial calculation software, loan origination compliance support, and document generation software. With over 55 years of experience, our ongoing expertise and industry knowledge reaffirms why Carleton is a trusted partner. Founded in conjunction with the Truth In Lending Act, Carleton provides expert compliance support with continuous accuracy in all our calculations and disclosures at a state and federal level. To learn more about Carleton’s lending solutions, contact our sales team at sales@carletoninc.com or 574-243-6040 option #3.

FOR IMMEDIATE RELEASE                                                

For more information contact:

Carleton Sales Team

574.243.6040 option #3

sales@carletoninc.com

 

While lenders recognize AI’s potential to reduce compliance errors, skepticism persists across the industry

SOUTH BEND, IN (September 30, 2025) — Carleton, Inc., a leading provider of compliant loan calculation and disclosure solutions, today released findings from a nationwide survey highlighting the lending industry’s perspectives on artificial intelligence (AI) in loan compliance and error detection. The results reveal a mix of optimism and caution, with many lenders acknowledging AI’s promise but remaining hesitant to fully trust its application in high-stakes compliance processes.

The survey, presented to more than 2,000 lending, banking, auto finance, and fintech professionals throughout the country, found that trust in AI-driven systems remains limited. Only 27% of lenders reported that they completely or mostly trust AI for loan calculations, while 30% remained neutral and 43% expressed only slight trust or no trust at all. This cautious outlook underscores the industry’s continued reliance on proven, compliant systems even as interest in AI accelerates.

Confidence in AI’s compliance impact is similarly mixed. While 43% of lenders agreed or strongly agreed that AI could effectively detect and prevent compliance errors, 28% remained neutral and nearly 30% disagreed. The survey also revealed that compliance issues persist as a regular pain point: one in five lenders reported experiencing compliance-related issues on a regular basis, and nearly a quarter encounter them occasionally.

When asked about their greatest frustrations in the compliance process, the top responses reflected the pressures AI tools are often positioned to address: the risk of making a costly compliance error (26%), the time required to finalize deals (25%), and the complexity of ever-changing regulations (19%). Manual paperwork and lack of transparency with lending partners were also cited as key challenges.

Furthermore, many financial institutions rely on third-party vendors for AI solutions, which introduces additional compliance risks. Without a robust governance framework and clear accountability, it’s difficult to ensure these systems are secure and compliant.

“These findings show that while lenders see potential in AI to strengthen compliance, the trust gap remains significant,” said Tim Yalich, Vice President of Business Development at Carleton. “The industry is rightly cautious, as lenders need assurance that AI-driven systems can deliver the same level of accuracy and reliability as proven compliance solutions. Carleton remains committed to combining innovation with the rigorous compliance standards our partners rely on.”

About Carleton, Inc. 

Carleton is the country’s leading provider of financial calculation software, loan origination compliance support, and document generation software. With over 55 years of experience, our ongoing expertise and industry knowledge reaffirms why Carleton is a trusted partner. Founded in conjunction with the Truth In Lending Act, Carleton provides expert compliance support with continuous accuracy in all our calculations and disclosures at a state and federal level. To learn more about Carleton’s lending solutions, contact our sales team at sales@carletoninc.com or 574-243-6040 option #3.

FOR IMMEDIATE RELEASE                                                

For more information contact:

Carleton Sales Team

574.243.6040 option #3

sales@carletoninc.com

 

SOUTH BEND, IN (September 3, 2025) — Carleton, Inc., a leading provider of compliant loan calculation and disclosure solutions, today released findings from a nationwide survey highlighting the extent to which lenders face ongoing compliance risks, calculation inaccuracies, and regulatory change management challenges that impact both operations and customer trust.

The survey, presented to more than 2,000 lending, banking, auto finance, and fintech professionals, revealed that over two-thirds of organizations experience loan payment discrepancies weekly or monthly, underscoring the potential for costly errors and compliance exposure. The most common causes cited were miscalculated fees and add-on products (23%), incorrect applications of interest rates or APRs (23%), and human data entry mistakes (21%). Confidence in existing systems also remains low, with 44% of respondents rating their confidence only a 1 or 2 on a five-point scale. Nearly half of all respondents reported that compliance issues such as inaccurate APRs, outdated disclosures, or fee miscalculations had already triggered rework, audit findings, or even legal exposure.

Regulatory change management is another significant pressure point. Sixty percent of respondents said their organizations struggle to keep internal systems and calculations aligned with updates to federal and state lending rules. While only about one-third of organizations reported they can adjust to new requirements in less than a month, nearly a quarter said it takes them three months or more to implement changes. Respondents cited interpreting complex regulations such as TILA, HOEPA, and state usury limits as their top compliance challenge (21%), followed closely by updating and testing loan calculation logic (19%) and coordinating changes across multiple vendor or internal systems (18%).

Complex loan structures further compound the problem. Thirty-one percent of respondents said tiered rates, variable payment schedules, and other intricate structures have a significant negative impact on their processes and often lead to delays and errors. Another 17% described these loan types as a constant source of problems for their organization. Only 14% said their current tools were able to handle complex loans seamlessly.

The operational burden of compliance updates is also evident. More than one quarter of respondents said their organizations require cross-functional teams to stay aligned with regulatory changes, often at the expense of day-to-day efficiency. When asked about the largest frustrations in their daily work, the most frequent response was the risk of making a costly compliance error (26%), followed closely by the time required to finalize deals (25%) and the ongoing complexity of everchanging regulations (19%). Manual paperwork and data entry were also cited as barriers to productivity (16%) with nearly the same proportion of organizations still relying on spreadsheets for loan calculations; a surprising figure given the compliance risks this entails.

Looking ahead, lenders indicated strong demand for improvements that would reduce errors and improve efficiency. The most desired enhancements included more accurate and reliable calculation software (24%), improved reporting and audit readiness (21%), better system integration across CRM, DMS, and LOS platforms (20%), and easier real-time monitoring for compliance violations (20%). Taken together, these findings reveal a sector seeking not only greater accuracy but also simpler, more seamless tools to manage compliance obligations and loan complexities without sacrificing operational speed.

“This survey shines a light on just how much effort lenders continue to put into getting calculations and disclosures right,” said Tim Yalich, Vice President of Business Development at Carleton. “When confidence in systems is low and errors remain frequent, it signals a broader industry problem — one that demands better integration, automation, and proactive compliance monitoring.”

About Carleton, Inc. 

Carleton is the country’s leading provider of financial calculation software, loan origination compliance support, and document generation software. With over 55 years of experience, our ongoing expertise and industry knowledge reaffirms why Carleton is a trusted partner. Founded in conjunction with the Truth In Lending Act, Carleton provides expert compliance support with continuous accuracy in all our calculations and disclosures at a state and federal level. To learn more about Carleton’s lending solutions, contact our sales team at sales@carletoninc.com or 574-243-6040 option #3.

Every year, Cherokee Media Group organizes the Special Finance 175 by SubPrime Auto Finance News, which acknowledges the finance companies, service and technology providers, and other organizations that continue to flourish in the auto finance industry.

This year, Carleton was once again distinguished on this list as being among ‘the most influential companies’ serving the subprime auto finance industry.

In this April issue of the magazine, Nick Zulovich, senior editor at Cherokee Media Group, explains further saying, “In summary, this feature is meant to reiterate the ‘good work’ that’s being completed […].” Nick continued, “To the companies included, let this issue be a salute to each of you, your management teams, your representatives in the field and your support systems that go well beyond brick-and-mortar buildings and communications infrastructure.”

“We are honored to be included in this year’s Special Finance 175 list again and appreciate the recognition of our team’s dedication to being our customers’ trusted partner,” says Matt Ruszkowski, Carleton President and COO.  Matt added, “Our team remains committed to providing innovative and compliant financial solutions that empower our customers to achieve their goals. Personally, I am proud of what we have accomplished together and excited for the future as we continue to make a positive impact in the auto finance industry.”

 

View April Issue of Auto Finance News

 

About Carleton, Inc.:

Carleton is the country’s leading provider of financial calculation software, loan origination compliance support, and document generation software. With over 55 years of experience, our ongoing expertise and industry knowledge reaffirms why Carleton is a trusted partner. Founded in conjunction with the Truth In Lending Act, Carleton provides expert compliance support with continuous accuracy in all our calculations and disclosures at a state and federal level. To learn more about Carleton’s lending solutions, contact our sales team at sales@carletoninc.com or 574-243-6040 option #3.

FOR IMMEDIATE RELEASE                                                

For more information contact:

Carleton Sales Team

574.243.6040 option #3

sales@carletoninc.com

 

 

SOUTH BEND, IN, March 13, 2025 — Carleton, Inc., the industry leader in compliant financial calculations and lending document generation software, is pleased to announce the hiring of Tim Yalich as Vice President of Business Development.

In this role, Tim will be responsible for driving strategic growth initiatives across Carleton’s integrated financial solutions which feature CarletonCalcs® suite of payment calculation and compliance APIs and CarletonDocs® single-source solution for generating and distributing lending documents. He will also focus on expanding the company’s market presence and fostering key partnerships to enhance its competitive position throughout the lending industry.

Tim brings over 30 years of experience in the automotive industry, having held positions for a large dealership group in the greater Washington D.C. area, a senior product management role at DMS provider, Reynolds & Reynolds, and most recently the head of strategy for Wolters Kluwer’s business development in the automotive financial industry. His proven track record of success in driving revenue growth and cultivating valuable partnerships across the financial lending market makes him an invaluable addition to the Carleton team.

“We are thrilled to welcome Tim to Carleton,” said Matt Ruszkowski, President and COO, of Carleton, Inc. “His wealth of knowledge and extensive experience throughout the automotive lending industry will be instrumental in accelerating our growth and achieving our long-term objectives.”

Tim holds a Bachelor of Science (B.S.) Management Information Systems degree from Indiana University of Pennsylvania. He is excited to join Carleton and contribute to its continued success.

“I look forward to working with this talented team to drive new opportunities and help grow Carleton’s already strong reputation across the lending industry,” said Tim Yalich.

About Carleton, Inc.:

Carleton is the country’s leading provider of financial calculation software, loan origination compliance support, and document generation software. With over 55 years of experience, our ongoing expertise and industry knowledge reaffirms why Carleton is a trusted partner. Founded in conjunction with the Truth In Lending Act, Carleton provides expert compliance support with continuous accuracy in all our calculations and disclosures at a state and federal level. To learn more about Carleton’s lending solutions, contact our sales team at sales@carletoninc.com or 574-243-6040 option #3.

FOR IMMEDIATE RELEASE                                                

For more information contact:

Carleton Sales Team

574.243.6040 option #3

sales@carletoninc.com

 

Carleton Partners with Algebrik AI to Elevate Lending Accuracy and Compliance

Carleton, Inc. is excited to announce our strategic partnership with Algebrik AI, a cloud-native, AI-powered Loan Origination Platform. This initiative merges the latest advancements in artificial intelligence with a Loan Origination System (LOS) and incorporates regulatory-compliant payment calculations, poised to transform the consumer lending industry!

Matt Ruszkowski, President & COO of Carleton, Inc. stated, “Our partnership with Algebrik highlights the importance of accurate and compliant payment calculations in today’s financial landscape. Together, we’re empowering lenders with tools to increase efficiency and build trust from borrowers, thereby enhancing the lending journey.”

This collaboration ensures compliance across 1,000+ calculation methods, including credit insurance, disability, and GAP coverage, while adapting to lender-specific rules. Integrating Carleton’s APIs within Algebrik’s cloud and AI-native architecture allows lenders to introduce new products with minimal effort and seamlessly scale their offerings regardless of size.

Key Benefits of the Partnership:

• Accurate Loan Calculations: Precise disclosure values, payment calculations, and credit insurance support tailored to diverse lending products.

• Compliance at Scale: Real-time validation of loans against state and federal regulations, a critical feature for indirect and direct consumer lending.

• Expanded Product Support: Seamless handling of loans across credit cards, home equity lines, auto loans, and more.

 

Read Business Wire Announcement

FOR IMMEDIATE RELEASE                                                

For more information contact:

Carleton Sales Team

574.243.6040 option #3

sales@carletoninc.com

 

Carleton Strengthens Its Position in the Financial Software Industry through a New Strategic Partnership with OTTOMOTO®

 

SOUTH BEND, IN – November 19, 2024 — Carleton, Inc., a premier provider of financial calculation and compliance solutions, is proud to announce its partnership with OTTOMOTO.net, a leading innovator in digital lending platforms. This strategic collaboration is set to broaden Carleton’s impact in the automotive finance industry, bringing state-of-the-art compliance, calculation, and document delivery APIs directly into the OTTOMOTO® ecosystem.

By integrating CarletonCalcs® suite of payment calculation and compliance APIs and CarletonDocs® single-source solution for generating and distributing lending documents into OTTOMOTO®’s platform, it will provide dealers with a loan origination experience that prioritizes state and dealer fee accuracy and lending regulatory adherence. This initiative reflects OTTOMOTO®’s commitment to empowering lenders and dealers with robust, compliant, and user-friendly financial tools.

“Partnering with OTTOMOTO® aligns perfectly with our mission to deliver precise and compliant financial software to an expanding client base,” said Matt Ruszkowski, President & COO of Carleton, Inc. “OTTOMOTO®’s industry leadership and innovative approach provide the perfect platform to take advantage of Carleton’s wide range of automotive financing solutions for nationwide use.”

Key Benefits of the Partnership:

• Broadened Impact: Carleton’s industry-leading APIs will enhance OTTOMOTO®’s platform, reaching more lenders and dealers than ever before.
• Seamless Integration: This partnership will streamline the use of advanced calculation and document delivery tools in automotive lending workflows, ensuring efficient and compliant operations.
• Commitment to Compliance: Carleton’s established compliance solutions will bolster OTTOMOTO®’s offerings, providing peace of mind to institutions navigating complex regulations.
• Mutual Growth: This strategic alliance reinforces both companies’ dedication to innovation and customer-focused advancements in the automotive finance sector.

“This partnership showcases our dedication to innovation and highlights how our compliance software can integrate with and elevate an established digital platform like OTTOMOTO®,” Ruszkowski continued.

Paul Nicholas, CEO of OTTOMOTO®, echoed the sentiment: “We are delighted to integrate Carleton’s unparalleled financial calculation expertise into our offerings. This move represents a key step in our mission to optimize our platform with solutions that are accurate, efficient, and regulation ready.”

By aligning their shared visions for innovation and efficiency, Carleton and OTTOMOTO® are poised to redefine automotive finance technology extending their service capabilities while continuing to deliver advanced, secure, and compliant solutions tailored to modern lenders and dealers.

About Carleton, Inc.

Carleton is the country’s leading provider of financial calculation software, loan origination compliance support, and document generation software. With over 55 years of experience, our ongoing expertise and industry knowledge reaffirms why Carleton is a trusted partner. Founded in conjunction with the Truth In Lending Act, Carleton provides expert compliance support with continuous accuracy in all our calculations and disclosures at a state and federal level. To learn more about Carleton’s lending solutions, contact our sales team at sales@carletoninc.com or 574-243-6040 option #3.

About OTTOMOTO.net

OTTOMOTO® is a premier provider of lending technology for the automotive, RV, Powersports, marine, and aircraft industries. With a focus on digital innovation, OTTOMOTO® is redefining traditional financing practices through a secure, transparent, and compliant process that serves dealers, lenders, and consumers alike. Leveraging strategic partnerships and decades of industry expertise, OTTOMOTO® is committed to advancing the future of finance with cutting-edge technology solutions. To learn more, visit www.ottomoto.net.

For inquiries about the OTTOMOTO® and Carleton, Inc. partnership, please contact Carol Docalavich at carol@ottomotoapp.com