Lender Recovery Solutions
Recover vehicles faster with connected vehicle intelligence, skip tracing, recovery management, and nationwide recovery services designed for today’s auto lenders.
The 2026 Lender Reality
Auto lenders are facing rising risk, shrinking recovery margins, and increasing operational complexity, making fragmented recovery strategies ineffective.
$1.6T
Outstanding auto debt driven by elevated vehicle prices and extended terms
~30%
Below-prime borrowers representing higher-risk portfolio exposure
3.4M
Projected annual repossessions requiring faster, earlier intervention
~15%
Used-vehicle depreciation at pre-pandemic norms, compressing net recovery
The Unified Vehicle Recovery Lifecycle
Identify Recovery Opportunities
Stop charge-offs before they happen. Our unified recovery system automatically tags delinquent accounts and flags critical risk events early, turning raw data into actionable intelligence so you can take preventive action before an asset deteriorates.
Locate Vehicles
Leverage North America’s largest active and historical LPR database combined with SCM’s deep-skip tracing expertise. By pairing live analytics and geospatial alerts with SCM’s 150+ in-house skip specialists, even the most elusive assets are pinpointed quickly and accurately.
Assign Recovery Agencies
Eliminate assignment delays with 24/7 automated routing. The system instantly matches orders to top-performing, pre-approved agents based on real-time agent proximity and recent LPR scan data, getting agents on the ground faster.
Recover the Vehicle
Accelerate recovery while mitigating legal exposure. Field agents receive instant digital authorizations and verify live account status directly on their mobile devices before hookup, eliminating administrative friction and preventing costly wrongful repossessions.
Resolve Complex Cases
Recover severe losses with SCM. We escalate tough accounts to expert investigators for high-risk retrieval, while automated geographic suppression pauses activity in disaster zones to safeguard your brand and compliance
A Unified Recovery Strategy
Eliminate silos and bring intelligence, execution, and investigation together into a single recovery workflow.
DRN: The Intelligence Core
DRN transforms license plate recognition (LPR) data into vehicle intelligence that helps lenders gain greater visibility into collateral throughout the recovery lifecycle.
- Vehicle Search
- Vehicle Location Intelligence
- Impound Notifications
- Risk Scoring
- Critical Vehicle Alerts
- Portfolio Monitoring
- Active Duty Alerts
MVTRAC: The Recovery Engine
MVTRAC streamlines recovery operations by connecting lenders with a nationwide recovery network, configurable workflows, and recovery management solutions.
- Nationwide Recovery Network
- Smart Assign
- Recovery Management
- LPR Staging
- Condition/Appraisal Reports
- Impound Management
- Recovery Workflows
SCM: The Deep Skip Specialist
SCM specializes in complex recovery cases through expert-led investigations, compliance services, and specialized recovery solutions for high-risk and late-stage accounts.
- Expert-led Investigations
- Specialized Asset Recovery
- Compliance Services
- Transport Coordination
- Loss Mitigation
- Vehicle Appraisals
- Vehicle Remarketing
Frequently Asked Questions
How do lenders cut vehicle repossession time to prevent rapid portfolio depreciation?
The unified DRN, MVTRAC, and SCM recovery system bypasses manual delays by instantly pairing live LPR scans with deep-skip experts when necessary and 24/7 automated field dispatch.
How does the Recovery Solution locate lost vehicles?
By pairing historical LPR location data with SCM’s 150+ in-house skip specialists for deep, active investigation.
How can auto lenders lower pre-charge-off losses without expanding internal collections teams?
The unified system combines DRN risk monitoring with instant MVTRAC dispatch and SCM skip tracing, scaling loss mitigation without expanding internal teams.
How do we prevent wrongful repossessions and compliance penalties in the field?
The Recovery Solution provides instant mobile clearances, letting agents verify live account status before hookup to prevent wrongful repossessions.
What do you do with late-stage default accounts?
Escalate aged accounts to SCM, where 150+dedicated investigative teams resolve complex defaults and maximize recovery value.
How can lenders automate repossession holds and moratorium compliance during natural disasters?
The moment an emergency or moratorium is declared, recovery activities in impacted ZIP codes are automatically paused across MVTRAC and SCM workflows, protecting lenders from statutory penalties and reputational risk.