For capital partners

Asset-backed returns on real vehicles.

You provide the capital, HCA buys and operates the car, and every expense and every dollar collected shows up in your dashboard.

Sample car in your portfolioLive
2019 Toyota Corolla
VIN 1NX••••••4821

Your capital
$0
Your share
0%
Total in the car
$0
Collected by HCA
$0
Your share collected
$0
32% of your capital collected back
Latest expense: New tires — $612 · 3 days ago
The whole idea

Three steps. That's it.

01

You fund

Send capital to HCA. Your amount and your share of the car are recorded.

02

We operate

HCA buys the car, keeps it running, and puts it to work. Every expense is logged.

03

You see returns

When HCA receives money on the car, your share appears in your dashboard.

Your dashboard

Every car. Every expense. Every dollar back.

No monthly PDF. No "we'll get back to you." You log in and see exactly where your money is and what it's doing.

Open a capital partner account
Every expense

Purchase, tires, brakes, detailing — dated and itemized.

Every dollar in

What HCA collected on the car, and your share of it.

Photos & receipts

The actual paper trail, attached to the car.

Live balance

What's still out and what's already come back.

Why lenders like us

We tell you everything.

See every expense

Purchase price, tires, brakes, detailing — every dollar HCA spends on the car shows up in your dashboard, with dates.

See every dollar back

When HCA receives money on a car you funded, you see it. Your share is calculated automatically.

We do the work

You put up capital. We handle acquisition, repairs, operations. You get the transparency of doing it yourself.

Real vehicles, real receipts

Photos and receipts live on every car. It's not a spreadsheet — it's the actual paper trail.

Who lends with us

Everyday owners, not Wall Street.

Most of our capital partners are people who built something themselves — and got tired of watching savings sit still. They put a set amount behind one car and watch every dollar of it, live.

Salon owner standing at her front desk
Small-business owner

Runs a shop, keeps a cash cushion, and wanted that cushion doing more than earning a fraction of a percent.

Retired contractor in his workshop
Retired tradesman

Knows cars, knows what repairs cost, and likes seeing the receipts instead of a quarterly statement.

Accountant working at her home office desk
Professional saver

Wanted one clear number in, one clear number out — and a dashboard she can check any night of the week.

Photos are illustrative. Partner identities stay private unless they choose to share them.

A financed vehicle alongside its title, repair invoice and parts receipt

Real cars. Real receipts.

Ask us anything. We'll show you the photos, the invoices, and the deposits.

Talk to us