Agora Data is now in the powersports business.

The consumer fintech company specializing in advanced capital solutions and AI-driven loan performance analytics, has completed a $12 million transaction providing liquidity for Model Finance, a powersports finance company.

This move represents Agora’s first transaction in the powersports sector, opening doors for further expansion into this specialized consumer finance segment.

“The transaction with Model Finance marks an exciting entry into the powersports finance market for Agora,” said Sharon Mancero, managing director and head of the financial institutions group at Agora.

“As many traditional lenders retreat from this asset class due to its complexities, we see a significant opportunity to provide capital and technology solutions to finance companies supporting independent and franchise dealers serving the powersports market,” Mancero continued in a news release.

Based in Orange County, Calif., Model Finance has provided specialized financing solutions for more than 55 years across a wide range of powersport units, including motorcycles, dirt bikes, ATVs, and personal watercraft.

Through this partnership, Agora will support Model Finance and its dealer network with the capital, technology, and financial tools needed to expand lending options for powersports buyers.

“We are fortunate to work with a trusted partner like Agora, providing us with a reliable and stable source of capital and technology to fuel our portfolio growth,” Model Finance president John Cox said in the news release.

“This transaction allowed us to refinance from a national bank, securing greater flexibility and a higher potential for portfolio growth. Partnering with Agora for this refinancing and access to new capital gives us the liquidity needed to better serve our dealers and customers,” Cox went on to say.

Agora looks to help consumer finance companies to access liquidity and optimize portfolio performance through structured finance and AI-driven risk analytics.

By offering capital and scalable data-driven solutions, Agora can empower independent finance companies, banks, credit unions, investment firms, and insurance providers to grow portfolios, enhance operational efficiencies, and drive profitability under innovative and flexible facilities.