Uptempo is a North American financial technology company that liberates consumers from traditional payment structures to smaller, more frequent debt payments that are better aligned with their cash flow. Uptempo's proprietary payment arbitrage system delivers unique and material value to consumers, dealer partners, lenders and bank partners. Consumers benefit with an automated payment program that avoids late fees and can help them build equity faster and save money. Dealer partners benefit with a tool that can help them sell more vehicles within a quicker term than typically expected, creating repeat customer opportunities earlier in the sales cycle. Lenders benefit with reduced delinquency rates, and bank partners benefit with increased fee income.