BRP is moving deeper into the financial side of powersports retail with the launch of BRP Financial Services, a branded financing program for customers buying its recreational vehicles through U.S. dealers. Scheduled to go live August 24, 2026, the platform will use Octane’s digital lending infrastructure to give dealers and consumers a financing experience designed specifically around BRP products.

Buying a recreational vehicle is increasingly becoming a financing decision as much as a product decision. BRP, the manufacturer behind Can-Am, Sea-Doo and Ski-Doo, is now taking a more direct role in that transaction.

The company announced BRP Financial Services, a new branded retail financing program that will launch across its U.S. dealer network on August 24.

Rather than building a lending operation entirely from scratch, BRP is combining its customer-facing brand with the technology and lending capabilities of Octane, a fintech platform focused on powersports and outdoor-equipment financing.

The move gives BRP a new position in the financial-services layer surrounding its products. It also represents an evolution of a model already familiar in automotive retail, where manufacturers use captive or branded finance programs to influence the purchasing experience from vehicle selection through repayment.

For BRP, the immediate objective is to make financing easier for dealers while potentially improving the company’s control over the customer journey.

BRP turns financing into a branded experience

The new program is designed to provide customers with fast approvals, customized financing options and dedicated support.

For dealers, BRP says the platform should provide greater credit flexibility and help sales teams close more transactions. For consumers, the company is positioning the service as a streamlined financing experience connected directly to the BRP purchase.

That distinction matters.

Traditional powersports financing can involve multiple lenders, credit applications and manual processes. Digital lending platforms have increasingly reduced that friction by automating credit decisions and paperwork.

Octane’s existing platform supports digital applications, automated credit decisions and electronic contracting. Its dealer platform allows financing applications to be submitted digitally and deals to be structured around factors such as down payments and additional products.

BRP already has experience using Octane to finance its products. BRP’s Ski-Doo website currently directs prospective buyers toward Octane for financing offers, including prequalification, soft-credit-pull functionality and paperless closing.

The new announcement takes that relationship further by putting the financing proposition under a dedicated BRP brand.

Why OEM-backed financing matters

The strategic significance goes beyond convenience at checkout.

Financing can influence whether a customer purchases a higher-priced model, adds accessories or completes a transaction at all. For a manufacturer, having greater influence over the financing journey can therefore affect both sales conversion and the broader ownership experience.

It also gives BRP another source of customer and transaction insight, although the company has not disclosed the specific data-sharing or economics of the new program.

The approach resembles strategies used across the automotive and equipment industries, where manufacturers have historically used captive finance businesses or banking partnerships to support dealer sales.

Powersports manufacturers have been moving in the same direction digitally.

Polaris, for example, partnered with Octane to provide digital financing for its powersports products, with Octane emphasizing instant applications, soft-credit options and faster dealer deal-closing.

Octane says its current platform serves thousands of dealers and supports prime through non-prime financing, illustrating how specialized fintech infrastructure has become part of the powersports sales stack.

BRP’s decision is therefore less about inventing a new financial product than about controlling and simplifying an increasingly important part of the purchase journey.

A potentially important move for BRP’s dealers

Dealers are central to the economics of powersports.

A financing program that produces faster credit decisions can reduce the amount of time sales teams spend moving applications between lenders. It can also give dealers more options when a customer’s preferred financing structure does not immediately fit conventional credit parameters.

That could become particularly relevant in a market where affordability remains a constraint on discretionary purchases.

BRP’s FY2026 results showed $8.44 billion in revenue, up 6.8% year over year, while North American powersports retail sales increased 12% in its fourth quarter. BRP also reported that North American network inventory had fallen 17% from the prior year.

The financing launch comes against that backdrop.

Improving inventory discipline and product availability can support sales, but financing can help determine whether customers can actually convert interest into purchases.

The fintech infrastructure is already mature

Octane’s role is significant because BRP does not need to build every piece of lending technology itself.

Octane specializes in digital powersports financing, offering automated credit decisions, electronic contracts and dealer tools. Its existing Dealer Portal has been designed to reduce manual data entry and help dealers manage applications and deals digitally.

That creates a hybrid model: BRP owns the customer-facing financial brand, while a specialized fintech supplies much of the underlying lending infrastructure.

This is increasingly common across embedded finance.

Companies do not necessarily need to become banks to offer financial products. Instead, they can combine their existing customer relationships with banking, lending, payments or compliance infrastructure supplied by specialized financial-technology providers.

For enterprise teams, the model can reduce the time and capital required to launch financial products while allowing the consumer experience to remain inside an existing brand ecosystem.

What it means for consumers

For BRP customers, the practical change is relatively simple.

A buyer purchasing an eligible BRP product through a participating U.S. dealer will have access to a BRP-branded financing pathway when the program launches.

The exact interest rates, terms, credit criteria and availability will depend on the financing agreement and applicant.

That caveat is important. A branded financing experience does not mean every customer receives the same terms, and financing remains subject to credit approval.

The bigger shift is strategic.

BRP is no longer treating financing merely as an external transaction between a dealer, customer and third-party lender. It is making financing part of the branded ownership journey.

What it means for the powersports industry

The launch points toward a broader convergence between automotive fintech, embedded lending and recreational-vehicle commerce.

As digital lending infrastructure becomes easier to integrate, manufacturers can increasingly put financing, insurance, accessories, servicing and other financial products closer to the point of purchase.

That could intensify competition among powersports OEMs—not only on vehicles themselves, but on the digital and financial ecosystems surrounding ownership.

For dealers, the key question will be whether BRP Financial Services produces faster approvals, competitive financing options and better conversion without adding operational complexity.

For BRP, success will ultimately depend on whether the new platform can do more than improve the checkout experience: it will need to support dealer economics, customer acquisition and long-term ownership while delivering the operational efficiencies the company expects.

The August 24 launch is therefore more than another financing option.

It is BRP’s attempt to make financial infrastructure part of the product experience.

Market Landscape

Embedded finance is becoming increasingly important in automotive and powersports retail.

Manufacturers and dealers can use specialized fintech infrastructure to integrate credit applications, underwriting, payment processing and digital contracts directly into the purchasing journey.

Octane is particularly relevant to the powersports segment. Its platform supports digital applications, automated decisions and financing across multiple credit profiles.

BRP’s move also follows a broader industry pattern in which OEMs seek greater control over the customer relationship. Polaris previously partnered with Octane for digital powersports financing, demonstrating that manufacturers can use fintech infrastructure without necessarily operating every lending function themselves.

For enterprise finance and technology teams, the model offers speed and specialization but introduces questions around credit risk, compliance, customer data, lender economics and platform integration.

The strategic advantage is potentially significant: financing becomes embedded in the sales funnel rather than treated as a separate administrative step.

Top Insights

• BRP Financial Services launches August 24, using Octane’s lending infrastructure to connect branded financing directly with U.S. powersports purchases and dealer sales workflows.
• The program gives BRP greater control over financing touchpoints while giving dealers another credit channel designed around Can-Am, Sea-Doo and Ski-Doo products.
• Octane’s automated underwriting, digital applications and electronic contracting illustrate how specialized fintech infrastructure is reducing friction across powersports retail financing.
• BRP’s move follows broader OEM adoption of embedded lending, increasing competition around financing, customer experience and dealer economics beyond the vehicle itself.
• Enterprise teams evaluating branded finance programs must weigh conversion benefits against credit, compliance, data, integration and operational considerations before scaling embedded lending.

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