RTO
Rentokil Initial plc
stock NYSE ADR

I currently run a dealer-driven offline used 4W lending business and am exploring how to build something more scalable digitally.
I have 2 questions:
**1. Can used-car loans really be sourced digitally at scale?**
Getting the customer/lead digitally seems doable. The problem is post-disbursement—RC transfer, hypothecation, insurance endorsement, PDD, different RTO processes, etc.
If I'm earning \~3% commission from the lender and sharing 1.5–2% with the dealer, can the remaining 1–1.5% realistically cover the operational headache?
How are digital aggregators solving PDD/RTO across different cities?
**2. How are large digital loan aggregators getting so many creditworthy customers?**
Companies like WeCredit, IndiaLends, CreditSea, etc., talk about very large monthly disbursement numbers.
Getting unsecured loan leads isn't that difficult. But getting **creditworthy leads that actually convert to disbursement** seems much harder.
Is the acquisition mainly
* Meta/Google ads?
* SEO/organic?
* Affiliate/DSA networks?
* Partnerships?
* Existing customer cross-sell?
* Some combination?
Would love to understand the CAC → approval → disbursement economics.
I'm actively exploring this business, so if you've worked in **digital lending, loan aggregation, DSA distribution, or fintech performance marketing**, I'd love to connect and go deep on this.
DMs are open.

I currently run a dealer-driven offline used 4W lending business and am exploring how to build something more scalable digitally.
I have 2 questions:
**1. Can used-car loans really be sourced digitally at scale?**
Getting the customer/lead digitally seems doable. The problem is post-disbursement—RC transfer, hypothecation, insurance endorsement, PDD, different RTO processes, etc.
If I'm earning \~3% commission from the lender and sharing 1.5–2% with the dealer, can the remaining 1–1.5% realistically cover the operational headache?
How are digital aggregators solving PDD/RTO across different cities?
**2. How are large digital loan aggregators getting so many creditworthy customers?**
Companies like WeCredit, IndiaLends, CreditSea, etc., talk about very large monthly disbursement numbers.
Getting unsecured loan leads isn't that difficult. But getting **creditworthy leads that actually convert to disbursement** seems much harder.
Is the acquisition mainly
* Meta/Google ads?
* SEO/organic?
* Affiliate/DSA networks?
* Partnerships?
* Existing customer cross-sell?
* Some combination?
Would love to understand the CAC → approval → disbursement economics.
I'm actively exploring this business, so if you've worked in **digital lending, loan aggregation, DSA distribution, or fintech performance marketing**, I'd love to connect and go deep on this.
DMs are open.