Octane and Camping World Partner to Revolutionize RV Financing

NEW YORK, NY – December 16, 2025 – In a significant move set to reshape the recreational vehicle market, fintech innovator Octane has announced a major partnership with Camping World, America's largest RV dealer. The collaboration will launch "Good Sam Powered by Octane," a branded financing solution designed to create a seamless, digital-first buying experience for RV enthusiasts across the country.

This strategic alliance leverages Octane's proprietary technology to provide Camping World's nearly 200 locations with a powerful new tool: a full-spectrum financing platform that operates under the trusted Good Sam brand. The deal represents a landmark application of Octane's "Captive-as-a-Service" model, enabling a major retailer to offer its own branded financial products without the immense cost and complexity of building a traditional in-house lending division.

The 'Captive-as-a-Service' Advantage

At the heart of this partnership is Octane's innovative Captive-as-a-Service (CaaS) offering. Historically, large manufacturers and retailers seeking to control their customer financing journey had one primary option: establish a captive finance company. This process is a massive undertaking, requiring billions in capital, extensive regulatory navigation, and the development of complex infrastructure for underwriting, servicing, and risk management.

Octane's CaaS model effectively outsources this entire operation. The company provides the end-to-end technology platform, handles loan underwriting through its in-house lender, Roadrunner Financial, Inc., and manages loan servicing via Roadrunner Account Services, LLC. For Camping World, this means it can instantly deploy a sophisticated, branded financing program that feels like its own, but is powered by a specialized fintech engine.

This model allows partners like Camping World to increase profitability by capturing a portion of the financing revenue, strengthen customer loyalty with a cohesive brand experience, and offer more flexible and competitive loan terms to a wider spectrum of buyers. The result is a powerful tool to drive sales and enhance the customer relationship from the point of sale throughout the life of the loan.

"We're thrilled to collaborate with Camping World and Good Sam, leaders in outdoor recreation, to transform the buying journey for RV enthusiasts with a fast, seamless financing experience," said Jon Vestal, Executive Vice President and General Manager of Recreational Lending at Octane. "We're also excited that our innovative Captive-as-a-Service offering, where we leverage our technology, risk expertise, and capital markets track record, is helping our partners achieve their goals."

A Strategic Power-Up for Camping World

For Camping World, this partnership is more than just a new financing option; it's a strategic enhancement of its entire retail ecosystem. By integrating "Good Sam Powered by Octane," the company tightens its grip on the customer journey, transforming a potentially fragmented and frustrating part of the purchase process into a streamlined, value-added service.

The Good Sam brand, already a household name among millions of outdoor enthusiasts for its roadside assistance, travel discounts, and extended service plans, now extends its umbrella of trust to financing. This branding is crucial, as it provides customers with a sense of security and familiarity when making a significant financial commitment. Instead of being handed off to an unfamiliar third-party bank, customers can now secure financing directly through a brand they already know and rely on.

This integrated approach is expected to drive origination volumes across Camping World's extensive physical and digital footprint. Dealers will benefit from Octane’s digital tools, which are designed to accelerate the application and closing process, freeing up time to focus on sales and customer service. For consumers, the promise is an end to cumbersome paperwork and long waits, replaced by a fast, transparent, and fully digital financing experience that can begin online before they even set foot in a dealership.

The Fintech Engine Behind the Deal

Octane's ability to secure such a high-profile partnership is a testament to its rapid growth and established position in the recreational lending market. Founded in 2014 with a focus on powersports, the company has methodically expanded its reach into RVs, boats, and outdoor power equipment, building a robust platform designed for the unique demands of these lifestyle purchases.

The company's financial strength and market expertise are undeniable. Octane has already originated over $7.5 billion in loans since its inception and is on track to originate over $2.1 billion in 2025 alone. Its sophisticated capital markets strategy is evidenced by over $4.7 billion in asset-backed securities (ABS) issuances and $3.3 billion in secured loan sale commitments, demonstrating strong investor confidence in its underwriting and performance. This financial foundation allows Octane to fund large-scale programs and provide the competitive rates necessary to power a brand like "Good Sam Powered by Octane."

This deal with Camping World, which also participated in Octane's recent $100 million Series F funding round, solidifies Octane's CaaS model as a viable and attractive solution for major industry players.

"Camping World and Good Sam have been exceptional partners for us as we've grown our presence in the RV market," noted Mike Bagull, Vice President of Sales at Octane. "We're committed to supporting the industry with full-spectrum financing and digital tools that make the financing process better for OEMs, dealerships, and consumers."

Redefining the Future of Niche Market Lending

The collaboration between Octane and Camping World is indicative of a broader trend in financial services: the rise of embedded finance and specialized fintechs catering to specific industries. Traditional lenders often apply a one-size-fits-all approach that fails to accommodate the nuances of niche markets like recreational vehicles.

Fintechs like Octane are filling this void by combining deep industry knowledge with cutting-edge technology. They understand the assets they are financing and the customers they are serving, allowing for more accurate risk assessment and a superior user experience. In a market where factors like rising interest rates can impact affordability, a platform that can efficiently connect buyers with the best possible terms becomes a critical competitive advantage for dealers.

By embedding a branded, digital-native financing solution directly at the point of sale, retailers can remove friction, increase conversion rates, and build a more durable relationship with their customers. This partnership serves as a powerful case study for how large retailers in any specialized, high-consideration purchase category can leverage fintech to not only facilitate sales but also create a new, profitable line of business and deepen brand engagement. As consumers increasingly expect seamless digital experiences in all aspects of their lives, the "Good Sam Powered by Octane" model may well become the new blueprint for the future of recreational commerce.