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February 25.2025
3 Minutes Read

Insurance Companies Shine as Sources of Private Credit for Dealerships

Concept of growth in finance with a jar of coins and small plant.

Insurance Companies: Emerging Players in Private Credit

The landscape of private credit is evolving, with insurance companies stepping forward as key players in this increasingly significant corner of the investment world. In the wake of tightening credit spreads and a less favorable public market, insurers are pivoting towards private assets to seek out higher yields. The rationale is simple: with banks tightening their loan criteria due to regulatory pressures, insurance companies are uniquely positioned to fill the gap in direct lending and asset-based financing.

The Private Credit Market: A Growing Opportunity

According to PineBridge Investments, the private credit market is set to continue its impressive growth trajectory into 2025. Insurers can leverage their favorable liquidity positions and expertise in managing long-term liabilities to pursue investments that yield higher returns. This includes not just direct lending but also real estate and infrastructure projects that offer spread advantages over traditional public credit instruments. By tapping into alternative asset markets, insurers are finding opportunities to enhance their portfolios in ways that were not possible a few years ago.

Strategic Partnerships: A Key to Success

The collaboration between insurance companies and alternative asset managers is becoming increasingly important. As noted in insights from Moody’s, these partnerships allow insurers to access attractive private markets without incurring the steep costs associated with developing their own investment capabilities. For instance, insurers can use these synergies to dive into the asset-based finance market, benefitting from the added security and diversification that these partnerships bring.

Understanding the Regulatory Landscape

Regulatory dynamics are also playing a crucial role in shaping the private credit landscape. The upcoming changes anticipated under the new administration could lead to a more favorable environment for private credit history as regulations shift from strict disclosure requirements towards fostering capital formation. This might further incentivize insurance companies to deepen their engagement in private credit markets.

Diverse Perspectives on Private Investments

While the push towards private credit is largely seen as an advantageous strategy, experts warn about the potential challenges—particularly the credit risks and asset-liability mismatches that could arise from moving away from traditional investments. Insurers must maintain a delicate balance of pursuing high yields while managing these inherent risks. Monitoring the health of investments in a less transparent environment will be crucial as insurers venture further into less traditional domains.

Why This Matters to Dealerships and Automotive Companies

For dealership principals, general managers, and fixed operations directors, understanding these trends is essential. As the automotive sector evolves and finance options change, recognizing how insurers adapt their investment strategies can inform better financing options for consumers. This is particularly relevant as higher financing rates may lead dealerships to explore alternative funding avenues.

Additionally, the growth of private credit may lead to more flexible financing solutions for dealerships as insurers look to extend loans with attractive terms. Being aware of these changes in the insurance investment landscape allows automotive professionals to strategize better and communicate informed options to their customers.

In summary, the rise of insurance companies in the private credit market represents a shift toward new funding opportunities that could benefit various sectors, including automotive sales. Understanding these shifts can empower professionals within the automotive space to leverage these trends for their advantage.

Call to Action: Stay Ahead of Market Trends

As the automotive financing landscape continues to evolve, it’s crucial for industry professionals to stay informed about developments in private credit. Engage with expert insights and be proactive in leveraging these opportunities to enhance your dealership's financing options.

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02.17.2026

Why Auto Sales Recruiters Are Essential for Building High-Performing Car Dealership Sales Teams

Larry Feldman Reveals Why Specialized Auto Sales Recruiters Outperform General Recruiters "The people who are in this business love it. But from the outside, there’s negative perception which makes attracting talent harder. That’s why understanding this dynamic is crucial for recruiting success." – Larry Feldman, Career Changers USA In the fiercely competitive environment of auto dealerships, securing the right sales talent isn’t just about filling open seats – it’s about building the kind of team that actively drives the dealership’s growth and reputation. According to Larry Feldman of Career Changers USA, what truly sets a dealership apart is its ability to attract, identify, and retain passionate individuals who will thrive despite the negative connotations sometimes associated with automotive sales. Auto sales recruiting is fundamentally different from general recruitment. While a generic recruiter might gloss over the unique pressures and joys of working in the dealership world, an auto sales recruiter navigates the nuanced landscape of candidate perceptions, dealer needs, and industry-specific challenges. As Feldman emphasizes, many outsiders underestimate both the intensity and the rewards of an automotive sales career – which is why you need a recruiter who not only understands these dynamics, but can channel them into successful, high-performing teams. How Passion and Realism Shape Effective Auto Sales Recruiting "You want a recruiter with a proven track record, passion, and the ability to think long term—but who’s also realistic and willing to let people grow." – Larry Feldman At the heart of transformative recruiting is a commitment to both passion and realism. As Larry Feldman underscores, selecting an auto sales recruiter begins with evaluating their track record—not just how long they have been recruiting, but their reputation and tangible results in the market. You want a partner whose experience is specifically within the automotive vertical, who “gets” the culture, and who demonstrates both unshakeable enthusiasm and a grounded approach to talent discovery. Feldman’s philosophy is clear: a great recruiter balances genuine excitement for the business with the discernment needed to distinguish between fleeting interest and long-term potential. They think beyond just immediate placement—seeking candidates they can nurture, cultivate, and help grow over time. According to Feldman, “sometimes the best future sales stars are those whose passion hasn’t been unveiled yet, but with the right guidance, will become indispensable assets to your dealership. ” Attitude and Work Ethic: The True Hallmarks of Future Sales Stars "Not everyone starts with sales experience stamped on their head. Attitude and work ethic are everything — you can teach skills later." – Larry Feldman If there’s one takeaway every dealer owner and general manager should heed, it’s this: skills can be taught, but innate attitude and work ethic cannot. Larry Feldman asserts that many successful hires in the automotive space started with modest or even unrelated backgrounds. The key commonality among top performers is their drive and integrity, not simply their prior sales numbers. An experienced auto sales recruiter brings an “X-ray vision” for raw potential – looking far deeper than just the resume. According to Feldman, “Hiring managers often fall into the trap of overvaluing check-the-box experience and undervaluing a growth mindset. ” With the right recruiter, dealerships can unearth candidates who might otherwise be overlooked, setting the stage for a resilient, adaptive, and loyal sales force. Boosting Dealership Productivity by Outsourcing Recruitment to Auto Sales Recruiters Why Using a Specialist Recruiter Frees Up Your Management Team "If your sales or finance manager is handling recruiting, they’re distracted from their main jobs. Recruiting is a full-time role and deserves dedicated focus." – Larry Feldman Running a dealership demands focus, agility, and relentless energy—resources that are quickly depleted when management’s attention is divided by recruitment tasks. As Larry Feldman points out, when sales or finance managers are pulled away to vet resumes, conduct phone screens, or onboard new hires, they are not maximizing their core contributions to the bottom line. Recruitment, done well, is not an afterthought—it’s a dedicated, specialized endeavor that deserves full-time attention. Delegating this responsibility to a professional auto sales recruiter is not a luxury; it’s a strategic move with measurable ROI. Feldman highlights that specialized recruiters not only bring efficiency but elevate the overall quality of hires. The result? Greater productivity, less burnout among your management team, and the assurance that every candidate has passed through a rigorous, automotive-specific vetting process, freeing up pros to do what they do best: lead, strategize, and sell. Top 3 Benefits of Hiring an Auto Sales Recruiter: 1. Higher candidate quality and retention 2. Faster time-to-hire with minimal business disruption 3. Reduction in costly hiring mistakes and turnover How Specialized Recruiters Improve Candidate Quality: Deep industry knowledge enables more precise cultural and performance fit, increasing team synergy. The Hidden Cost Savings From Delegation: Offloading recruitment lets managers focus on revenue-driving activities, indirectly boosting dealership profitability. Common Misconceptions About Auto Sales Recruiting Debunked Separating Industry Passion from Public Perception According to Feldman, one of the most stubborn barriers to recruitment in the dealership world is the disconnect between industry insiders' genuine passion and the public’s lingering skepticism about car sales careers. While those immersed in the field “love it,” the stereotype of high-pressure or less-than-scrupulous sales tactics persists among potential recruits. This image problem doesn’t just make cold recruiting harder; it actively filters out talent before a conversation can even begin. A seasoned auto sales recruiter navigates this minefield by reframing the narrative—showcasing the rewards, opportunities, and camaraderie that define high-performing sales environments while being honest about the realities. As Feldman explains, attracting the right candidates involves cutting through dated preconceptions and demonstrating why automotive sales can be not only lucrative but genuinely fulfilling for those who thrive in a fast-paced, people-first culture. Why Experience Isn’t Everything in Sales Team Building Dealership owners and HR leaders are often tempted by flashy resumes and long histories in sales—but, as Feldman argues, “Not everyone starts with sales experience stamped on their head. ” The expert perspective is that attitude, coachability, and authenticity have far more predictive value for sales success than prior job titles alone. This mindset shift is essential for building genuinely high-performing teams. Feldman stresses that by prioritizing a candidate’s willingness to work, learn, and connect with customers, dealerships can cultivate future superstars—many of whom might otherwise be missed by a conventional in-house recruitment approach. The lesson: Potential beats pedigree, every time. Building a Winning Sales Culture Starts With the Right Hiring Partner How Career Changers USA Aligns Recruiters With Dealership Goals Identify dealership hiring needs clearly: Feldman’s team works hand-in-hand with leadership to define not just the open role, but the type of culture, performance, and customer experience the dealership is aiming to achieve. Leverage recruiters who understand automotive culture: According to Feldman, “Every dealership is unique. Our recruiters are former GMs and sales directors—they understand the stakes and the personalities that drive dealership success.” Invest in motivational training for new hires: Beyond recruitment, Career Changers USA offers on-site motivational training, helping dealerships onboard with intent and forge a unified, driven sales culture from day one. Summary: Why Auto Sales Recruiters Are Indispensable Partners for Dealership Growth Larry Feldman’s Final Take on Elevating Sales Teams Through Specialized Recruitment "An expert auto sales recruiter doesn’t just fill seats. They build high-performing teams that drive your dealership’s success and free your managers to excel in their roles." – Larry Feldman According to Larry Feldman, the difference between average and outstanding dealerships is rooted in who you bring on board and how you bring them in. Specialized auto sales recruiters bring a level of knowledge, intuition, and passion that can’t be replicated by generalists or hiring managers moonlighting in recruitment. Their impact is profound: improved productivity, higher retention, a positive shift in culture, and empowered leadership teams able to focus on strategy, not staffing. Dealership leaders looking to break through stagnation, boost profitability, and achieve sustainable growth need to view their recruiting partner not as an expense, but as an equity-building investment in their business’s future. Next Step: Connect With Career Changers USA to Transform Your Dealership’s Hiring Ready to build the kind of sales team that not only meets—but crushes—your dealership’s goals? Take Larry Feldman’s advice and partner with a recruiting specialist who lives and breathes the auto industry. Contact Career Changers USA today for a personalized recruiting assessment, and start turning your dealership into the place where top talent wants to build their career. For more information, visit: https://www. careerchangersusa. com/ or call (215) 407-5174.

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