Capital Advantage

American Guardian Warranty Services, Inc. (AGWS) offers a unique way to access funds for any use, including working capital, inventory acquisition, building upgrades or expansion through the Dealer Capital Advance Program.

  • Typical advances run from $400,000 to $600,000 with advances of over $1 million possible.*
  • The Capital Advance Program is made available exclusively for dealership partners of AGWS.

Program Features

  • Funds taxed only as earned
  • Monies usually advanced in less than 30 days
  • Repayment of advance through product sales over 3-5 years
  • Low effective interest rate
  • Off-booking funding (advance does not affect current financials)
  • Underwriting profits participation to dealer through dealer owned reinsurance
  • Dealers may renew advance at the end of their program term

Qualifying F&I Products

  • Vehicles Service Contracts
  • GAP
  • Vehicles Protection Products
  • EcoCarPro Environmental Program
  • Ancillary Bundle Program
  • Other AGWS underwritten or administered Products


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