In excess of $2 Billion in total assets.
Thousands of dealer partners.
Unmatched customer satisfaction


For nearly a decade Flagship Credit Acceptance, LLC ("Flagship") has helped people with blemished or limited credit backgrounds secure an auto loan, and start driving again. Our finance programs are specifically suited to those who have experienced prior credit difficulties or have limited credit histories. Our customers generally have FICO® scores ranging from 520 to 650.

Our leadership team is comprised of business professionals with significant experience in the automotive financing and non-prime lending space. The company operates under a highly efficient and disciplined centralized structure, providing fully integrated origination, risk management, and servicing capabilities.

Flagship's contracts are acquired through three separate means:

As a specialty independent automotive finance company, Flagship continues to thrive:

Headquartered in Chadds Ford, Pennsylvania, with operational offices in California, Arizona and Texas, the company was formed in August 2010 with the acquisition of its previous entity, Flagship Credit Corporation.

Our story spans multiple decades, industry cycles, acquisitions, and corporate restructurings. Through it all we have proudly maintained our mission to deliver quality service and value.

The birth of our brand

CEO Michael Ritter merges Franklin Acceptance Corporation and ProCredit, renaming the new combined entity Flagship Credit Corporation. Under Mr. Ritter’s leadership, the portfolio is grown in excess of $1 billion.


The acquisition.

Wells Fargo purchases Flagship Credit Corporation and uses the platform as the basis for its national indirect auto lending operations. The Flagship Credit Corporation brand however, remains wholly intact.


The Re-launch

Mr. Ritter recruits key members of the management team and establishes Flagship Credit Corporation.


The Liquidity Crisis

Flagship Credit Corporation, like many other independent finance companies, experiences extreme financial hardship during the crisis. The company, however, remains originating and operating on a limited basis with its core management team intact.


The Rebirth

The assets of Flagship Credit Corporation are sold to Perella Weinberg Partners. The company is reformed as Flagship Credit Acceptance.


The Merger

Perella Weinberg Partners merge its two automotive finance platforms, Flagship Credit Acceptance and CarFinance Capital, LLC into a single, national automotive lending company. The combined company boasts total assets in excess of $2 billion.


Our Executive Team

Michael Ritter

President & Chief Executive Officer

Mr. Ritter is an experienced financial services executive, with a 35-year history of forming, acquiring, operating, and selling specialty finance companies.

Prior professional experience includes...

  • EVP, CFO, Chairman of Investment Committee of Itochu International
  • Director and Senior Officer of all Copelco Financial Services companies
  • Co-Founded Copelco Capital Corporation
  • Manager, Coopers & Lybrand (Price Waterhouse Coopers) National Banking Group

David Bertoncini

Executive Vice President and Chief Strategy Officer

David Bertoncini joined Flagship in September of 2007. He has primary responsibility over Loan Originations, Credit and Portfolio risk modeling and analysis, Enterprise Risk, IT, and Business Development activities.

Prior professional experience includes...

  • Partner at Bates White, a consulting firm specializing in econometric modeling
  • Business Manager at Capital One Auto Finance; core member of Capital One’s original auto acquisition team which purchased Summit Acceptance in 1998
  • Chief Marketing Officer for a private student loan company

Mr. Bertoncini received his B.S. in Economics from Santa Clara University and his M.S. in Economics from Duke University.

Kenneth Sicinski

Senior Vice President & Chief Financial Officer

Kenneth J. Sicinski is an experienced financial executive with a broad financial services background. He has primary responsibility for financial management and planning, treasury, accounting, tax, financial reporting and human resources for the Company.

Prior professional experience includes...

  • Director of Financial Analysis and Budgeting for the original Flagship
  • Senior Vice President and Chief Financial Officer of Franklin Equity Leasing Company and Advant Auto Group L.L.C., both subsidiaries of ITOCHU International Inc.
  • VP of Finance for Copelco Financial Services Group
  • Corporate Controller for Copelco Financial Services Group
  • Audit positions with IKON Office Solutions and Stockton Bates and Co.

Mr. Sicinski is a C.P.A. 

Jeffrey Haymore

Senior Vice President, Sales

Jeff Haymore is the Senior Vice President of Sales for indirect lending at Flagship Credit Acceptance. In this role Jeff is responsible for recruiting, developing and training a premier national Sales Force, forecasting future growth targets, working with Senior Management on product offers and sales strategies, as well as contributing as a senior member of management.

Prior professional experience includes...

  • SVP of Sales for Capital One Auto Finance
  • VP Sales for HSBC Auto Finance
  • Sales Division Director for Summit Acceptance Corporation 

Chris Keiser

General Counsel & Compliance Director

Chris joined Flagship in June 2014. He is an experienced attorney, with over 20 years experience in the consumer finance industry. He has primary responsibility for all legal, regulatory and compliance matters.

Prior professional experience includes....

  • Managing attorney position with Wells Fargo
  • Chrysler Financial attorney and law clerk

Chris received his B.A. from Hope College and his J.D. from the University of Detroit.

Fair Lending Policy

Flagship Credit Acceptance, LLC ("Flagship") is committed to maintaining a culture of fair credit throughout the organization. In this regard, Flagship has developed a Fair Credit Program ("Program") that complies with all applicable fair credit laws and regulations ("FC Laws") and reflects industry best practices. Flagship is committed to comply with the letter and spirit of FC Laws. The goal of the Program is to carry out Flagship's commitment and be recognized internally and externally (e.g., by management, employees, customers, service providers, and the public) as dedicated to fair credit principles and demanding of compliance. The Program applies to all aspects of Flagship's operations (including reviewing, purchasing and servicing retail installment sale contracts whether for itself or others) and all services offered by Flagship, and across all of Flagship's credit operations, including marketing, underwriting, origination, processing, servicing, collection, loss mitigation, and payoff activities, and to all personnel who work for or on behalf of Flagship, whether as employees, officers, members of the Board of Directors, agents, representatives or service providers.

Should you have any questions about the details of any of Flagship's policies, please contact us at 1.800.707.0114 M-F, between 9:00 a.m. and 5:00 p.m. EST.


Our Lending Philosophy

A borrower is more than just a credit score. At Flagship, we focus on the story behind the customer …and look beyond the number.

Life happens. Whether low credit scores are a result of past circumstances, one-time events or just bad luck, Flagship offers multi-tiered pricing structures to finance borrowers across the credit spectrum.

At Flagship we believe a borrower’s credit past shouldn’t dictate their future.

Many borrowers need a second chance. We recognize the vast majority of persons with credit challenges are working hard to re-establish their credit rating. Each of our Credit Analysts are trained in "common sense" lending, a philosophy of reviewing all the circumstances and determining the appropriate deal structure for the specific borrower situation. Flagship maintains a very high standard regarding  Fair Lending compliance, ensuring our customers are always treated professionally and consistently.