In a move that signals increased industry adoption of its financing solution, Fourth Fleet Financial, an auto financing company, has expanded its agreement with Remarketing Services of America, Inc. (RSA), a unit of Fiserv. Fourth Fleet's solution allows RSA to integrate seamlessly with a client's existing driver sales program, increasing the credit range of buyers that can be financed. RSA and Fourth Fleet have successfully collaborated on client portfolios in the past. In some of these cases, Fourth Fleet reduced declination rates by more than fifty percent – a result that led to this expanded relationship. RSA will now offer the Fourth Fleet vehicle financing solution to their entire roster of clients in an effort to further reduce declination rates and increase vehicle residual values. With Fourth Fleet's financing solution, consumer finance companies can increase driver sales programs by offering broader and deeper financing options. Through Fourth Fleet's ability to finance a wide range of credit types, these lending institutions can finance only their desired credit spectrum and outsource the remainder. This will increase the number of vehicles they can sell pre-auction at higher prices while reducing their overall exposure to credit risk or buyers they would normally decline. Additionally, for those consumer finance companies that do not offer an existing off-lease financing alternative, Fourth Fleet provides a plug-and-play solution that can be launched within 24 hours. The Fourth Fleet solution uses a consumer finance or remarketing company's existing system to reduce overhead and allow sales staff to focus on sales rather than financing.