Comprehensive Financial Advisory for the Auto Finance Industry

Manela & Company provides expert guidance in structuring and executing complex auto finance transactions across a broad spectrum, including receivables purchases and sales, warehouse financing, variable funding note transactions, participation transactions, and both private and public asset-backed securitizations.

Our auto finance clients include direct and indirect auto finance companies, such as captives, independent lenders, and banks. We also represent lenders, underwriters, placement agents, and investment funds in structuring and executing auto finance transactions with precision and compliance.

Navigating Complex Regulatory and Operational Challenges

Our team routinely advises both first-time and seasoned issuers on tailored financial and operational solutions. Partnering with our Consumer Regulatory Compliance Team, we assist first-time issuers in securing the necessary state licenses and qualifications to facilitate structured finance or securitization transactions. For seasoned issuers, we provide expert guidance on securities law filings and transaction compliance requirements.

Expertise Across the Auto Finance Landscape

Leveraging our deep expertise across financial regulations, Manela & Company helps clients navigate key legal and compliance challenges, including:





Securities Compliance – Advising on regulatory requirements, filings, and disclosure obligations.



Bankruptcy & Tax Considerations – Structuring transactions for financial resilience and tax efficiency.



UCC & ERISA Compliance – Ensuring adherence to relevant laws governing commercial transactions and employee benefits.



Consumer Financial Protection & Investment Regulations – Addressing compliance with the Consumer Financial Protection Bureau (CFPB), Investment Company Act, and Dodd-Frank Act, including Regulation AB II and Regulation RR.

As active participants in the auto finance and structured finance sectors, Manela & Company provides innovative, forward-thinking