Transforming Lease Buyout Financing
Through AI-Powered Innovation
Meet Jordan
Jordan is 45, lives in the suburbs, and commutes 40 minutes to work.
She leased her current car 33 months ago and has been staying on top of her payments.
With 90 days left on the lease, Jordan starts getting reminders from the dealership. The messages are friendly, but clearly pushing her toward a new car. She's not even sure she wants another lease but the path forward is confusing.
She searches online. Nothing clear. A mix of buyout calculators, dealership promotions, and advice forums.
All roads seem to lead back to the dealership.
left on her lease
the car she has
keeps nudging her into something new
Today's Lease Buyout Market is Manual, Misunderstood, and Misaligned
A $139.2 billion automotive finance market, where fewer than 5% of transactions occur online despite 79% of consumers preferring digital options.
Consumers
Next 12 Months
lack transparency and awareness, navigating a complex, opaque lease buyout process
Lenders
Reduction in Operational Cost
Lenders face escalating fraud risk and costly verification burdens, driving up compliance, regulatory, and operational liabilities.
Dealers
New Car Dealers
are financially incentivized to discourage buyouts, favoring resale and churn over consumer-aligned decisions
Cacheo Puts Power Back in Her Hands
Clear Buyout Info
No calls or dealership pressure. Just a five-minute, AI-powered path to car ownership. If a customer wants to talk, our expert team is ready.
Pre-Qualified Offers
In a few clicks, Jordan sees real financing offers personalized to her situation.
100% Digital
No calls or dealership pressure. Just a five-minute, AI-powered path to car ownership. If a customer wants to talk, our expert team is ready
The Founding Team
Seasoned FinTech Operators with Deep Automotive Experience
Michael Ingwer
Chief Executive Officer
Michael is a visionary leader with a track record of building transformative tech platforms. He brings deep expertise in consumer finance and digital acquisition to drive Cacheo's launch and scale.
Chad Stilwell
Technology
• Product & Engineering leader with fintech and AI experience
• Expert in scalable, secure infrastructure
• Drives innovation and rapid technical execution
Melinda Marchesi
Marketing
• Former J.P. Morgan and Prosper CMO
• Scaled customer growth for PE-backed startups
• Serves on multiple financial services boards
Brittany Gingrich
Operations
• Former Prosper and J.P. Morgan operator
• U.S. Army military intelligence background
• Translates strategy into streamlined execution
Jeff Killian
Operations
• Led ops at Capital One, Prosper, and New York Life
• Focus on Compliance, scale, and customer impact
• Expert in financial infrastructure and growth
Jason Wilcox
Technology
• 25+ years in fintech and AI
• Built refi and insurance platforms at Jerry and Refijet
• Scaled systems used by 50+ lenders
• Expert in AI, cloud, and compliance tech
AC
Ops + Technology
• 20-year auto finance operator
• Led AI-driven overhauls at major lenders
• Cuts manual work with automation
• Aligns credit policy, tech, and ops
Previous Experience at Leading Companies
AI-Driven Technology-Enabled F&I Platform
Cacheo isn't a lender. We're the infrastructure—the rails that power the transaction.
Predictive Customer Acquisition
Captures high-intent leaseholders
AI-Powered Data Moat
Leveraging Large Emotion Models trained on 300M+ consumer profiles and 6B+ datapoints leading to significantly higher conversion rate
Embedded Real-Time Financing
Delivers instant decisions, price clarity, and higher conversion rates
AI-Native Data Architecture
reduces lender operational cost by 40%–50%
Today's Lease Buyout Market is Manual, Misunderstood, and Misaligned
A $139.2 billion automotive finance market, where fewer than 5% of transactions occur online despite 79% of consumers preferring digital options.
Consumers
Next 12 Months
lack transparency and awareness, navigating a complex, opaque lease buyout process
Lenders
Reduction in Operational Cost
face escalating fraud risk and costly verification burdens, driving up compliance, regulatory, and operational liabilities.
Dealers
New Car Dealers
are financially incentivized to discourage buyouts, favoring resale and churn over consumer-aligned decisions
Massive Market. Clear Digital Gap.
$139.2B Total Available Market in lease maturities every year
Annual Lease Maturities
A massive market opportunity growing yearly
Current Buyout Rate
Expected to reach 35% by 2027
Digital Preference
Consumers want digital automotive transactions
Digital Adoption
Current digital lease buyout penetration vs 79% consumer preference
Approximately 1.2 mil leases are purchased annually - Less than 5% complete buyouts digitally
There is Limited Consumer Choice in the Lease Buyout Market
One Lease Buyout Competitor
• ~20K Loans per Year
• ~$3K Revenue per Loan
• ~$4800 Avg Equity per Loan
• Median age: ~51 years
• Average Income ~$85K
• Average Loan ~$32K
• 90% Near Prime to Super Prime
~20k loans a year vs 1.2mil historically purchased
Dealerships
Misaligned incentives, lack of transparency and opacity in pricing
Auto Finance Platforms
Heavily focused on refinance
Credit Unions
Geographic restrictions, limited technology
Traditional Banks
Manual, confusing process with no explicit customer acquisition strategy
Most competitors are focused on refi and purchase. No one owns lease buyouts end-to-end. Cacheo will.
Customer Acquisition Strategy
Precision-Based Targeting
We target high-intent leaseholders 90 days before lease-end. Reaching high-intent leaseholders nearing end-of-term.
Phased Geographic Expansion
Launch in states with e-titling. Launching in states with e-titling and favorable regulations.
AI-Powered Optimization
Leverage LEM using 300M+ consumer profiles with over 6B data pts-to increase conversion rates- refining our message to our potential customers. Leveraging advanced psychographic modeling to refine performance marketing.
Strategic Partnerships
Forming alliances with complimentary auto-focused services to reduce CAC.
AI-driven insights will inform what really motivates our potential customers
A Multi-Channel Revenue Strategy
DTC Proves Demand → Enterprise Partnerships Provide Scale → OEM & Lender Integration Creates Moat
Origination Fee
from the Lender
Document Fees
from the Customer
Insurance Sales
Selling insurance to protect the customer's new purchase
Revenue Stream Expansion
B2B Service Expansion
• Enterprise Partnerships
• OEM Integrations
• Lenders
• Data Licensing
Enterprise Partnerships
• Affiliate Partners
• Natural Auto Partners
• Retail clubs
• Insurance Carriers
• Refinance
• Lender-as-a-Service
• Consumer finance marketplace
High-margin. Repeatable. Scalable.
The Cacheo Go To Market Strategy
Proof of Concept
Direct-to-consumer validates product-market fit and proves consumer demand.
Scalable Distribution
B2B partnerships provide exponentially larger customer access.
Defensible Moats
Strategic partnerships create barriers to entry for competitors.
Lower CAC Over Time
Enterprise partnerships reduce acquisition costs as we scale
Higher Valuations
B2B enterprise models typically command higher multiples
As scale increases, CAC drops. Margins rise. Moat deepens.
Strong Growth, Rapid Profitability
Financial Projections
Market Share Analysis
$42.5M revenue/$23.4M EBITDA by Year 3 with 1% of TAM
We scale fast with margins in the mid-50s and are profitable in Year One
Compelling Economics with Improving Efficiency at Scale
Strong unit performance
Year 1 LTV
Year 1 CAC
Year 3 CAC
Year 3 Net Margin
Unit Economics Progression
| Metric | Year 1 | Year 2 | Year 3 |
|---|---|---|---|
| LTV | $1,805 | $1,699 | $1,672 |
| CAC | $354 | $270 | $238 |
| Total Cost/Loan | $1,659 | $811 | $723 |
| Unit Economics (Rev - Exp) | $146 | $888 | $950 |
| Net Margin | 8.10% | 52.30% | 56.80% |
CAC drops from $354 to $238 over 3 years. Mid-50%'s net margins. Variable cost structure keeps burn low.
Get Unleased
"Cacheo transforms a broken highly manual process into a simple, fast, flexible, AI-driven digital experience for consumers, lenders, and enterprise strategic partners."
We're ready to lead this market. We'd love to bring you with us.
Contact Information
Email:
investors@cacheo.ai
PROJECT CACHEO
Get Unleased
Most people are pushed to lease again—whether you want to or not
Cacheo gives you a choice
Purchase the car you already love and take back control