Our Program
The Heritage Indirect Leasing Program allows credit unions to participate in the growing auto lease market without the complexity of managing residual risk or remarketing. Powered by LoanSwift™, our platform delivers a smarter, leaner, and lower-cost leasing solution built for long-term member value.
Program Design
Automated Funding Package Review
100% Residual Value Guarantee
We design a customized leasing program tailored to your credit union’s growth strategy, risk tolerance, and member demographics.
Dealers submit funding packages through our proprietary LoanSwift™ platform, which automates document classification, validates completeness, and flags issues before they reach the credit union, ensuring faster, cleaner, and more accurate funding.
Heritage assumes 100% of the residual value at lease maturity, while the credit union maintains the relationship and loan yield.
Remarketing
We handle all end-of-lease vehicle remarketing through efficient, member-friendly processes that enhance member satisfaction and retention.
Performance Reporting
Portfolio analytics and transparent reporting keep you informed at every step, empowering data-driven decision-making.
Continuous Optimization & Support
Heritage doesn’t stop at implementation. We continually analyze performance data and market trends to refine residual strategies, streamline funding workflows, and enhance credit union profitability.
Why Heritage
Smarter. Leaner. Lower Cost.
At Heritage, efficiency is engineered into everything we do. Our proprietary LoanSwift™ platform streamlines funding operations, while our advanced analytics, AI, and machine learning optimize residual value management and remarketing performance.
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By automating manual workflows and eliminating legacy systems, we operate lean - and pass those savings directly to our credit union partners through lower fees, faster processing, and better member experiences.
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Key Advantages
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100% Residual Value Protection: Full end-of-term coverage ensures your credit union carries no residual risk.
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LoanSwift™ Integration: Seamlessly connects dealers and credit unions to automate funding, eliminate paperwork, and ensure faster funding cycles.
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Lower Fees: We leverage automation and lean operations, not layers of management, to keep partner fees among the lowest in the industry.
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Smarter Risk Management: We blend proven leasing experience with data-driven technology to deliver accurate residual settings and disciplined portfolio oversight.
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Member-Centric Experience: Quick, transparent, and member-friendly end-of-lease process that aligns with credit union service standards.
Traditional leasing providers are weighed down by outdated systems, high overhead, and manual processes.
Heritage operates differently: modern, data-driven, and built for the credit union ecosystem.