Ensuring operational readiness for a new financing business


The financial services arm of a publicly owned technology company developed deep expertise in financing captive, micro-ticket, and automated sales-type leases over its 30-year history. Its parent company was undergoing a major business transformation that focused on organic growth. In an effort to scale with its end-user SMB customers, it decided to launch a third-party financing capability. Cognizant of lessons learned from captives expanding outside their wheelhouse, the parent’s Board of Directors wanted an independent assessment of the new financing business’ operational readiness to ensure that it had the appropriate skillsets and operational strategies in place before the official launch.


The Alta Group conducted an operational readiness assessment using our proprietary gap analysis framework that reviewed, in detail, the new finance company’s policies and procedures, processes, governance, IT infrastructure, and controls. Our analysis established a capabilities and control environment baseline around the origination, credit, pricing, operations, funding, booking, collections, and asset management functions. Alta then provided a detailed gap analysis of the “put-on” / “put-through” / “take-off” processes with recommendations for remediating any cited gaps as well as adopting any additional controls. After aligning findings with industry best practices, Alta offered training and coaching around ameliorating any identified deficiencies so that the client was truly market-ready at launch.

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