One platform that ensures smarter deals & safer sales for your business.
Selling Fun Is Serious Business. This Is the Credit & Compliance Platform Outdoor Recreation Dealers Trust.
Outdoor recreation dealers operate in a high-ticket, high-trust environment where every deal involves a significant loan, a real customer, and real regulatory exposure. Whether you’re selling an RV, boat, jet ski, snowmobile, or a motorcycle, you need credit and compliance infrastructure that works reliably every time and integrates with the tools you already use.
Informativ is the platform that unifies credit reports, compliance, and fraud prevention for RV, marine, powersports, and motorcycle dealers and is built for the volume swings, indirect lending workflows, and paper trail requirements this industry runs on.
Complete & Reliable Credit Reporting
Credit Technology Challenges Facing Outdoor Recreation Dealers
RV, marine, powersports, and motorcycle dealers face a different set of pressures than a typical car lot:
Boat, RV, and powersports sales compress into a few peak months, and a spring boat show or a holiday-weekend RV rally can drive a month’s worth of deals into a single weekend. Credit infrastructure has to hold up under volume with zero downtime, not just on an average Tuesday.
RV and marine loans routinely run into six figures with terms stretching 10–20 years. More exposure per deal means more incentive for fraud and less room for a bad credit decision.
Most RV, marine, and powersports paper moves through AppOne, not the indirect lending menus used in auto retail. Dealers need credit and compliance tools that live natively inside that workflow, not a bolt-on system that adds a second login and a second set of steps.
Many dealer groups sell RVs, boats, motorcycles, and powersports units under one roof or across multiple rooftops. Credit and compliance processes need to stay consistent across every product line and location, not vary desk to desk.
How Informativ Supports Outdoor Recreation Dealers
One Integration, All Three Bureaus
Most credit solutions require separate programming for each bureau. Informativ uses a standardized request and report format across Equifax, Experian, and TransUnion, which means:
- Prequalify customers instantly
- Speed up financing conversations
- Keep sales momentum moving
- Industry-leading 99.99% uptime so credit pulls don’t fail during a packed boat-show weekend, when you need them most
Whether you’re handling credit in-house or partnering with lending programs, Informativ streamlines every step.
76%
decrease in manual data entry with Informativ's eZ Form Fill. With just a name, zip code, and last four digits of a SSN, a full credit application is automatically completed.
Compliance & Fraud Prevention Made Easy
Informativ automatically identifies red flags to stop fraud and fulfills FTC and FCRA compliance requirements, so your team can focus on selling and servicing customers instead of chasing paperwork.
Fraud detection built into the workflow:
- Red Flags — automatically detected within the credit workflow to identify fraud
- Fraud Search — multi-layered identity verification that flags synthetic identities
- Out-of-Wallet questions — identity verification questions drawn from credit data
- OFAC screening — every customer is automatically screened against the OFAC list as required by federal law, so the check never gets skipped on a busy Saturday
Compliance that runs itself:
- Adverse Action Letters — automated as part of the credit workflow, so the right notice goes out at the right time, in the right language, without relying on staff to remember
- Risk-Based Pricing Notices — automatically generated to eliminate manual fulfillment and FTC exposure
- Employment & income verification — verify a customer’s employment and income in real time, and catch discrepancies before they become a funding problem
Given the loan sizes typical of RV and marine deals, the payoff on a successful fraud attempt is larger than on a standard auto deal which makes outdoor recreation dealers a specific fraud target. Informativ’s multi-layered detection is built to catch it before the unit leaves the lot, not after.
AppOne Integration:
From Credit Pull to Lender, Without the Friction
Informativ integrates directly with AppOne, the leading indirect lending platform used by RV, marine, and powersports dealers. In practice, that means:
- Pull credit within AppOne and submit to lenders without leaving the platform
- Compliance documentation travels with the deal. OFAC, fraud checks, adverse action, and risk-based pricing notices are all tied to the record automatically
The integration advantage: Dealers lose time and sometimes deals re-entering data between systems. The Informativ + AppOne integration closes that gap. Every compliance step is documented automatically, so if a lender or regulator ever asks for the paper trail, it’s already there.
“The team is reliable, respected, easy to work with and does what’s right for the customer. They take an interest in us and go the extra mile to help us find solutions for the problems we’re looking to solve.”
— Daniel Ehni, Fund & Grow
Get Started
Informativ offers a straightforward onboarding process and dedicated dealer support. Most outdoor recreation dealers are up and running within days, not weeks.