--- title: AI-Financing Spotlight - Joseph Martin of CarWise image: https://goauto.upstart.com/hubfs/OG%20-%20Joseph%20Martin.jpg --- [![Upstart-Logo](https://goauto.upstart.com/hubfs/Upstart-Logo.svg "Upstart-Logo")](https://www.upstart.com/dealers/) ###### for Dealers Menu - [Borrow](https://www.upstart.com/for-banks?__cf_chl_captcha_tk__=d0039b4379d622e9209d7dae2a03b74e53270785-1595174109-0-AfLvz4flojTdtS1mi0_fiepzmRnVfAMhN9m_d02h6Ri15ybRHiLkGRsF21RjlSj9x5z-Xs2XKyNhzWq6_8hcMXmABHenX2avxVkHbdKjak5vh6oK3QuaHizeDSza1U3Se5rsu7UaC6-QntwnGIX3bphjQyrGUivi9mHwEwCYHv7AupOFrBFtvs1t8kWlNJigFoJgUBIHeS7ciG1NhYnTAqKLNb5nN7jxvQTZNqoYzVB01dBHLgdtgtU-qYkyuO0hx-5pHStsD8cmrwGQ4Oxt8gCNc8vgVpb2awt_VEa5Uqhj8MUrzCseZC90_ggaR5oPaKuODzzLGTT24pJi3tN6cMzL6dUZleMySESSj5W8EAXqym4FfjlWMgzByx4LsXo9lI1mJoemNL1ZnuKCF_eWRtzTo-GcasODGoaTI9--jeiZoXDbD0rooFhM0RyXCeOdM4fxWL5h1i0U0zjNH3D34O78Mi1YROOcq_lLURKXA8170_dpHDrzJ8r0drWXhbYEEGT4z4MjYGdlGzBl7GtHdQjrl4ZBqTTR2z8XyCn10ChE_HErA-sKxC8oFhAcES1M7Q#) - [Personal Loans](https://www.upstart.com/personal-loans) - [Credit Card Consolidation](https://www.upstart.com/credit-card-consolidation) - [Debt Consolidation](https://www.upstart.com/debt-consolidation-loans) - [Home Improvement Loans](https://www.upstart.com/home-improvement-loans) - [Medical Loans](https://www.upstart.com/medical-loans) - [Wedding Loans](https://www.upstart.com/wedding-loans) - [Moving Loans](https://www.upstart.com/moving-loans) - [Check Your Rate](https://www.upstart.com/funding_form) - [For Lenders](https://www.upstart.com/lenders) - [For Dealers](https://www.upstart.com/dealers) - [About](https://www.upstart.com/about) - [Log In](https://www.upstart.com/login) ![Car Wise Logo](https://goauto.upstart.com/hs-fs/hubfs/car-wise-logo%201.png?width=224&height=77&name=car-wise-logo%201.png "Car Wise Logo") # AI-Financing Spotlight: **Joseph Martin of CarWise** [DOWNLOAD NOW](https://goauto.upstart.com/ai-financing-spotlight-joseph-martin#download) ![joseph-martin-hero](https://goauto.upstart.com/hs-fs/hubfs/joseph-martin-hero.png?width=677&height=334&name=joseph-martin-hero.png "joseph-martin-hero") ![quote](https://goauto.upstart.com/hubfs/icon-quote-1700.svg) “We’re always looking for another avenue to deliver a car to everybody that walks in the door. That’s our goal.” – Joseph Martin, Partner CarWise uses Upstart Auto Financing to give more customers a path to purchase by combining speed, flexibility and a self-serve workflow that helps the team keep deals moving. **“We’re always looking for another avenue to deliver a car to everybody that walks in the door. That’s our goal.”** **– Joseph Martin, Partner** ### The challenge: creating deals that 
work for buyers Joseph Martin is a hands-on partner across CarWise’s two locations in Illinois. He runs day-to-day operations, desks deals and stays closely involved in customer-facing processes. Martin described a common reality for many independent dealers: deals don’t always fall apart because the team can’t sell: they fall apart because financing options don’t fit the customer’s situation. “It’s tough as an independent dealer to get lenders, so we’re always looking for another avenue to deliver a car to everybody that walks in the door,” he shared. ### Why Upstart: speed, flexibility and deals that make sense for the car buyer Martin first heard about Upstart via his 20 group, and was drawn to Upstart’s ability to create terms that fit a customer’s budget, especially when it comes to monthly payment.  “With other lenders, some deals just don’t make sense to the consumer because they can’t afford the payments. With Upstart, I’ve seen deals where customers had good down payments with single digit rates, and the payment was affordable,” said Martin.   ### **The impact: keeping deals moving with less friction.** ![Joseph Martin Spotlight](https://goauto.upstart.com/hs-fs/hubfs/Joseph%20Martin%20Spotlight%20v2.png?width=450&height=524&name=Joseph%20Martin%20Spotlight%20v2.png "Joseph Martin Spotlight") ![quote-logo-mobile](https://goauto.upstart.com/hubfs/icon-quote-col.svg) “With other lenders, some deals just don’t make sense to the consumer because they can’t afford the payments. **With Upstart, I’ve seen deals where customers had good down payments with single digit rates**, and the payment was affordable.” - Joseph Martin, Partner ![icon-car](https://goauto.upstart.com/hs-fs/hubfs/icon-clock-2.png?width=87&height=56&name=icon-clock-2.png) ### Self-serve experience that saves time For a high-volume store, speed and ease of use are critical. Martin simply wants tools that let him and his team move fast without long wait times with the lender: “I’m all about being able to go in there and do things on my own to just make the deal move forward. Time is very important to me.” ![icon-cash](https://goauto.upstart.com/hs-fs/hubfs/icon-car.png?width=100&name=icon-car.png) ### Flexibility that helps put customers in the right vehicle Martin called out Upstart’s valuation flexibility as a meaningful advantage, helping CarWise structure deals that would otherwise be difficult within typical advance and value constraints. He shared that most deals get sent to Upstart because the team is always trying to find the best terms for both the consumer and the dealership. “Upstart allows me to put customers in cars that I normally would not be able to put them in,” he said. ![](https://goauto.upstart.com/hs-fs/hubfs/joseph-martin-bg-dealership.webp?width=2000&height=1314&name=joseph-martin-bg-dealership.webp) ![Joseph Martin Ford Cars](https://goauto.upstart.com/hs-fs/hubfs/joseph-martin-cars.png?width=915&height=310&name=joseph-martin-cars.png "Joseph Martin Ford Cars") Source: https://www.ford.com/ Drive your **dealership forward** Ready to speed up financing and convert more shoppers? [EXPLORE MORE](https://www.upstart.com/dealers) Download the full Joseph Martin of CarWise Spotlight [DOWNLOAD NOW](https://goauto.upstart.com/hubfs/UPSTRT_50_Joseph%20Martin%20of%20CarWise_v4.pdf?hsLang=en) ![Joseph Martin of CarWise Case Study and Spotlight](https://goauto.upstart.com/hs-fs/hubfs/UPSTRT_10_Joseph_Martin-v2.png?width=305&height=329&name=UPSTRT_10_Joseph_Martin-v2.png "Joseph Martin of CarWise Case Study and Spotlight") Want to see what Upstart Auto Retail can do for your dealership? [Get In Touch](https://www.upstart.com/dealers/contact/) - [ABOUT](https://www.upstart.com/about) - [CAREERS](https://www.upstart.com/careers) - [PRESS](https://www.upstart.com/press) - [HELP CENTER](https://www.upstart.com/helpcenter) - [LEGAL](https://www.upstart.com/legal) - [PRIVACY POLICY](https://www.upstart.com/privacy_policy) - [ACCESSIBILITY](https://www.upstart.com/accessibility_statement) - [BLOG](https://www.upstart.com/blog) - [AFFILIATES](https://www.upstart.com/affiliates) - [INVESTOR RELATIONS](https://ir.upstart.com/) Upstart NMLS No. 936133. [NMLS Consumer Access](http://www.nmlsconsumeraccess.org/) ![equal housing](https://goauto.upstart.com/hubfs/raw_assets/public/Upstart_July2020/images/equal-housing-logo.svg "equal housing") ![equal housing](https://goauto.upstart.com/hubfs/raw_assets/public/Upstart_July2020/images/godaddy-verified.svg "equal housing") Copyright © 2012 – 2024 Upstart Network, Inc. All rights reserved. 2950 S. Delaware Street, San Mateo, CA 94403 [Twitter](https://twitter.com/Upstart) [Facebook-f](https://www.facebook.com/TeamUpstart/) [Your Privacy Choices](https://www.upstart.com/datarequest)