Vroom Investor Day Presentation Deck
uacc's well-oiled machine
UACC has a strong business model
robust management
10+ years of capital markets
experience
8,500+ third-party dealers
100+ nationally based area
managers
why it works
scalable economics
$500mm in loan origination
$2.8bn of securitized collateral
Cycle-tested Management Team
Consumer-First Servicing Culture
generates profit and
liquidity
$65-$75mm expected EBITDA
in 2022(1)
Goal to grow EBITDA at 7%
CAGR in the future
ā Extensive Financial Tech Platform
Successful Capital Markets Experience
1. A reconciliation of non-GAAP guidance measures to corresponding GAAP measures for 2022 guidance is not available on a forward-looking basis without unreasonable effort due to the uncertainty regarding, and the potential variability of,
these costs and expenses that may be incurred in the future.
uacc's third-party dealer business is a well-oiled machine
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