The lending rail for the next era.

For two decades, the U.S. indirect auto lending channel has operated on infrastructure that predates the smartphone. Dealers manually re-key applications into outdated portals. Lenders wait days for documents that should arrive in seconds. Consumers sit in showrooms wondering why a process that feels instant everywhere else still takes hours in a dealership.

We built RunTorque to end that era.

Our platform is a single, intelligent lending rail that connects dealers and lenders directly. Dealers submit one application through us; our AI structures the deal, evaluates lender fit, and routes the application to the right credit unions and lenders in real time. Decisions flow back within minutes, not days, with verified income, identity, and collateral data already attached.

The biggest gap we close is credit-union access. Most credit unions either aren't on the major dealer submission networks or are nearly invisible inside them. We onboard those lenders directly, then surface them as one selectable option inside DealerTrack, RouteOne, DealerCenter, or any dealer’s native workflow. One click reaches the whole network — on a single soft inquiry.

Above all, we believe the next decade of finance technology belongs to platforms designed for intelligence, speed, and compliance from day one — not retrofitted from a previous generation. That is the platform we built.