BRP is moving financing closer to the center of its U.S. powersports business. Beginning August 24, the manufacturer will launch BRP Financial Services, a branded consumer-lending program powered by fintech company Octane and its Roadrunner Financial lending platform. The arrangement gives BRP a branded financing layer without requiring the company to build a captive lender from the ground up.

For powersports manufacturers, the sale increasingly extends beyond the vehicle itself.

The financing application, credit decision, contract and subsequent relationship with the buyer are all becoming part of the digital purchasing experience. BRP is now taking a more direct position in that process with the launch of BRP Financial Services in the United States.

The program, scheduled to launch August 24, will be administered through Octane’s Captive-as-a-Service platform. Octane’s in-house lender, Roadrunner Financial, will originate the consumer loans, while Roadrunner Account Services will handle servicing.

The arrangement effectively gives BRP the infrastructure of a captive finance operation under its own brand without requiring the manufacturer to establish every component independently.

That distinction is important in financial technology.

Building a captive lender traditionally requires underwriting capabilities, loan servicing, compliance systems, capital markets relationships, technology and substantial operating infrastructure. Octane packages those functions into a platform that manufacturers and dealer groups can deploy under their own brands.

Octane describes the model as a way to combine technology, underwriting, loan processing, servicing, compliance and capital-markets execution within a single offering.

BRP’s financing strategy moves beyond the transaction

The immediate benefit for consumers is straightforward: financing becomes part of the BRP-branded purchase experience.

But the strategic implications are broader.

A manufacturer that participates more directly in financing can potentially influence the customer relationship beyond the initial sale. Financing promotions, loan terms, repeat purchases and customer communications can all become components of a longer ownership lifecycle.

Octane explicitly positions its Captive-as-a-Service model around this lifecycle opportunity, arguing that branded finance can support customer retention and create additional engagement after the original transaction.

For BRP dealers, the program could also simplify the financing workflow by giving sales teams access to a dedicated financing channel integrated with the manufacturer’s brand.

The company has not disclosed the specific economics, credit criteria or financing terms that will be available when BRP Financial Services launches.

Why fintech infrastructure makes captive finance easier

The BRP deal illustrates a broader shift in embedded finance.

A manufacturer no longer necessarily needs to acquire a bank or build an entire financial institution to put its own brand around lending. Specialized fintech infrastructure can provide the underlying technology and regulated lending capabilities.

In Octane’s case, Roadrunner Financial originates the loans and Roadrunner Account Services provides servicing. Institutional investors can then participate in the funding ecosystem through loan sales, forward-flow agreements and asset-backed securities.

That capital-markets component is particularly significant.

In May, Octane announced a $350 million forward-flow agreement with Nuveen covering fixed-rate installment powersports and outdoor power-equipment loans originated by Roadrunner Financial.

In July, it announced a separate $750 million forward-flow agreement with AB CarVal, with the potential to increase the transaction to $1.125 billion.

Those transactions illustrate how a fintech lender can combine consumer-facing digital infrastructure with institutional funding markets.

Octane is building a broader captive-finance business

The BRP relationship also represents an expansion of Octane’s strategy beyond conventional point-of-sale lending.

Octane launched Captive-as-a-Service in 2026 and has since targeted automotive dealer groups as well as powersports, recreational vehicles and outdoor power equipment. The company says the platform is designed to reproduce many of the functions of an in-house captive finance company without requiring the partner to build one independently.

Octane reported $2.1 billion in loan originations during 2025, up 29% from the previous year, and said cumulative originations had surpassed $7.6 billion at the time of its March 2026 update.

It subsequently announced additional institutional transactions, including a $340 million whole-loan sale to Bayview in June.

That financing infrastructure is what makes the BRP arrangement different from a simple dealer referral agreement.

The fintech is effectively providing a financial operating stack behind the manufacturer’s brand.

BRP enters a competitive financing market

BRP is not entering an empty market.

Competitors have already incorporated financing into their retail strategies. Polaris, for example, offers customers multiple financing options, including Octane, Synchrony and other finance providers. Its digital financing experience promotes prequalification and rapid credit decisions.

Synchrony and Polaris also renewed a financing partnership in February 2026 covering vehicles, accessories, gear, service and protection products.

The competitive lesson is that powersports financing is becoming part of the customer-experience layer rather than remaining purely a back-office function.

For BRP, launching its own branded program could provide more control over that experience.

It may also give the company greater flexibility around promotions and financing structures, although the actual financial benefits will depend on credit performance, funding costs, dealer adoption and consumer demand.

The dealer becomes a critical test

The success of BRP Financial Services will ultimately depend heavily on dealer execution.

A branded financing platform only creates value if dealers use it effectively and consumers find the process competitive and convenient.

That makes integration especially important.

Sales staff need fast decisions. Customers need transparent terms. Dealers need reliable funding and servicing. BRP needs to maintain compliance while managing credit risk and the economics of the lending portfolio.

This is where Octane’s vertically integrated approach becomes relevant.

The company combines its technology platform with underwriting, loan servicing and capital-markets capabilities. It says its lending operation has now surpassed $9 billion in aggregate originations and more than $5 billion in asset-backed securities issued, according to the announcement.

A broader embedded-finance trend

The BRP deal reflects a much larger development across financial technology: brands increasingly want financial services embedded directly into the products they sell.

The model is visible in automotive financing, equipment lending, retail payments and increasingly specialized consumer finance.

For manufacturers, embedded lending can reduce friction at checkout and potentially create a longer customer relationship. For fintech providers, it creates a way to distribute financial products through established brands rather than acquiring every consumer directly.

For banks and traditional lenders, that creates a competitive challenge.

The customer may interact primarily with the manufacturer while the underlying loan is originated, serviced and funded by financial institutions and fintech infrastructure providers operating behind the scenes.

BRP Financial Services is therefore more than a new financing option for powersports buyers.

It is an example of how embedded finance is reshaping the relationship between manufacturers, fintech companies, dealers and consumers—with specialized infrastructure allowing large brands to move deeper into lending without building the entire financial stack themselves.

Market Landscape

The powersports financing market is becoming increasingly digital and competitive.

Manufacturers such as BRP and Polaris are integrating financing more closely into their dealer and consumer journeys, while fintech providers such as Octane are building infrastructure that can support underwriting, servicing and institutional funding.

The competitive landscape also includes traditional financial institutions. Polaris currently lists Octane, Synchrony and TD Auto Finance, among others, as financing partners, demonstrating that OEMs can use multiple lenders to support retail conversion.

The emerging differentiator is therefore not simply access to credit. It is the ability to deliver fast digital underwriting, competitive financing, seamless contracting and consistent branded experiences.

For enterprise teams considering embedded lending, the BRP-Octane model offers another option: outsource much of the financial infrastructure while retaining control of the customer-facing brand.

The trade-off is that companies must still address regulatory compliance, credit risk, funding costs, customer data governance and responsible lending.

Top Insights

• BRP Financial Services uses Octane’s Captive-as-a-Service platform to bring branded lending to U.S. powersports customers while Roadrunner Financial handles loan origination.
• The model gives BRP captive-finance capabilities without requiring the manufacturer to independently build underwriting, servicing, compliance, technology and capital-markets infrastructure.
• Octane’s expanding institutional funding relationships demonstrate how fintech lenders connect consumer credit origination with whole-loan sales and asset-backed securities markets.
• Polaris and other powersports manufacturers already offer digital financing, making customer experience, dealer adoption, credit flexibility and funding economics important competitive differentiators.
• The partnership highlights embedded finance’s evolution from payment convenience toward branded lending ecosystems designed to influence purchases, retention and customer relationships.

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