Five months ago I posted my original thesis on AmeriTrust Financial Technologies at $0.06. It trades at $0.27 today.
Before I get into the update, I want to say something to the people who read that first post, didn't just upvote and scroll past, but actually opened the filings, did their own DD, and made their own decision: congratulations. You did the work when nobody was talking about this (still not many are), and a 350% move in five months is the reward for it.
I still get DM's every week with questions about the warehouse model, the warrant structure, the funding facilities, the dealer economics. The quality of the questions has genuinely impressed me. To the ones I've helped make a good chunk of change: that's exactly why I started writing these posts and I am very happy that some have found my posts helpful. :)
***Now the update. I'm going to make the case that the story just fundamentally changed again. Not incrementally. Structurally.***
For those catching up:
Post #1 at $0.06 — the original thesis [https://www.reddit.com/r/pennystocks/comments/1r3yxbj/the\_billionairebacked\_used\_car\_leasing\_play\_amtv/](https://www.reddit.com/r/pennystocks/comments/1r3yxbj/the_billionairebacked_used_car_leasing_play_amtv/)
Post #2 at $0.10 — Q1 proved the platform worked [https://www.reddit.com/r/pennystocks/comments/1tqk92d/the\_used\_car\_leasing\_opportunity\_nobody\_is/](https://www.reddit.com/r/pennystocks/comments/1tqk92d/the_used_car_leasing_opportunity_nobody_is/)
Post #3 at $0.19 — the ramp became impossible to ignore [https://www.reddit.com/r/pennystocks/comments/1u7i18q/the\_ramp\_is\_becoming\_impossible\_to\_ignore\_amtv/](https://www.reddit.com/r/pennystocks/comments/1u7i18q/the_ramp_is_becoming_impossible_to_ignore_amtv/)
# Two partnerships in a matter of weeks
For a year, the bull case was built on infrastructure: the platform, the licensing, the dealer network, the capital. What was missing was distribution at scale. That gap just got filled twice.
**Partnership #1: AutoSavvy - Exclusive National Lease Partner**
Remember the "Signed LOIs with 2 National Brands" line that's been sitting in the corporate deck? One just converted from paper to reality. AmeriTrust executed the agreement and is now the **inaugural National Lease Partner for AutoSavvy** \- the largest retailer of branded title vehicles in the country. 21 dealership locations across 9 states. Over 100,000 total vehicles sold. On the Inc. 5000 list of fastest-growing private companies 4 of the last 6 years.
The rollout has already started, 3 locations live in Texas and Utah, with the remaining 18 to follow once systems testing completes. AutoSavvy's whole model is vehicles priced roughly 20% below clean-title market value. Their customer walks in the door specifically looking for a lower payment. Now layer a lease option on top that drops the monthly even further. This is a high-volume origination channel that feeds itself.
[https://www.newsfilecorp.com/release/304150/AmeriTrust-and-AutoSavvy-Launch-National-Leasing-Partnership](https://www.newsfilecorp.com/release/304150/AmeriTrust-and-AutoSavvy-Launch-National-Leasing-Partnership)
**Partnership #2: Military AutoSource - Exclusive Leasing Partner**
Yesterday's news: AmeriTrust is now the **Exclusive Global Used-Vehicle Lease Partner for Military AutoSource**, while also supporting new-vehicle lease options through the program.
If you don't know who Military AutoSource is, here's what matters: they have been serving the U.S. military community for **over 60 years**. They are the **only DoD and Exchange authorized car-buying program** for U.S. military, DoD and diplomatic personnel serving overseas. The exclusive military distributor for Chrysler, Dodge, Ford, Harley-Davidson, Jeep, Lincoln, Nissan, Ram, Volkswagen and more. Over a million service members have bought through them.
Think about what "exclusive" means here. Every used-vehicle lease that flows through the only authorized overseas military car-buying program in existence now flows through AmeriTrust. Nobody else. A sales channel with six decades of institutional trust just plugged directly into a company that was already seeing $56M in quarterly application flow.
And there's a detail buried in the release that I think is underappreciated: the program also covers **qualifying foreign nationals working in the U.S. for defense contractors** — people with strong income whose U.S. credit files don't reflect their actual ability to pay. That's an entire customer category traditional lenders structurally can't serve. AmeriTrust just got exclusive access to it.
Military personnel are also, historically, one of the strongest-paying borrower demographics in consumer finance. Stable income. Guaranteed employment. This is exactly the kind of paper that funding partners and securitization desks want to see in a portfolio.
[https://investingnews.com/ameritrust-financial-named-exclusive-global-used-vehicle-lease-partner-for-military-autosource-to-serve-u-s-military-personnel-worldwide/](https://investingnews.com/ameritrust-financial-named-exclusive-global-used-vehicle-lease-partner-for-military-autosource-to-serve-u-s-military-personnel-worldwide/)
**Meanwhile, the ground game keeps expanding**
New Dealer Sales Managers are joining nearly every week now. The LA and Miami postings I flagged in my last update? Filled and building. The boots-on-the-ground expansion into California and Florida - the two markets with the DEEPEST used car volume in America is happening in real time, right alongside Texas, Nevada, Michigan, Utah and Oklahoma.
Follow the hiring. It has been the single most reliable leading indicator in this story since day one.
**My price target and I want to be transparent about how I get there**
I've never put a formal target on this publicly. I'm going to now.
**My 12-month target is a $1 billion USD valuation — roughly $1.40 CAD per share.**
The July deck (linked below, dated July 13) shows the current market cap at roughly $278M CAD. My target represents about a 5x from here. Here's the logic. The infrastructure is built. The licensing is done. The dealer network is 700+ and compounding. The application flow was already $56M per quarter *before* AutoSavvy and *before* Military AutoSource. Both of those channels are exclusive or inaugural, meaning AmeriTrust isn't competing for this volume, it owns the lane. Layer in the recurring revenue mechanics of the warehouse model, where every lease originated stacks monthly income on top of everything before it, and the math compounds fast.
**What has to go right**: expanded funding facilities to support origination volume, and continued execution converting these partnerships into funded leases. Those are the two variables. If the funding capacity announcements come and the hiring of a Funding Analyst at HQ suggests the volume is already demanding it, I believe the market re-rates this from a micro-cap curiosity to a legitimate specialty finance platform.
Am I certain? No. This is a micro-cap and execution risk is real - I've said that in every post. But I called this at $0.06 when nobody was looking. I called the ramp at $0.10. I called the acceleration at $0.19. Every checkpoint I laid out has hit. The pattern I see now is the same one I saw then, except the distribution problem, the last missing piece - just got solved with two national partnerships in the span of weeks. (I believe there are many more to come)
**Retail still hasn't found this**
Go look. Still no trending threads. Still no influencer pumps. Still institutional accumulation at progressively higher prices. You are still early relative to awareness, even if you're not early relative to price.
$0.06 → $0.27 was the proof-of-concept phase.
***What comes next is the scale phase.***
*The brand new July 2026 corporate presentation, released this week:*
[https://ameritrust.com/wp-content/uploads/2026/07/AmeriTrust-Corporate-Presentation-July-2026.pdf](https://ameritrust.com/wp-content/uploads/2026/07/AmeriTrust-Corporate-Presentation-July-2026.pdf)
*This post is not financial advice. I am long since well before the first post. Do your own research!*
