MarkOne Financial Integrates Carleton’s SmartCalcs to offer Nationwide Computational Compliance

MarkOne Financial integrates Carleton’s SmartCalcs with MarkOne’s Apptraker™ Loan Origination System.

Mark One Financial is a national automotive finance company based in Jacksonville, Florida with a west coast office in Southern California. MarkOne Financial purchases auto contracts from both franchise and independent dealerships and delivers quality service to its dealers and customers. MarkOne provides innovative and competitive financing programs, exercising consistency in buying decisions and flexibility in meeting the dealer’s needs.

MarkOne’s Apptraker™ LOS provides the dealer partner with accurate and real-time deal information while increasing backend efficiency. Apptraker™ provides an open platform for partners with major DMS platforms integration, Vehicle Valuation systems, Credit Bureaus and Compliance systems. Within MarkOne’s Apptraker™ LOS platform, Carleton’s SmartCalcs software provides greater compliance and accuracy for all the lending computations at the state and federal level nationwide.

“Regulatory Compliance was an integral part of the development of our LOS!” says Nikhilesh Nath, CIO of MarkOne. “We needed a partner that understands the ever-changing auto lending regulatory environment, and this integration of SmartCalcs will help our dealer customers and our new LOS system stay in compliance today and when regulatory changes occur in the future.”

“Carleton’s 40+ years of experience supporting auto lending computations will continue to assure the MarkOne dealers that Apptraker™ LOS will be compliant with all the state and federal lending requirements. Carleton’s “customer first” support services strongly compliments MarkOne Financial’s service philosophy.” said Pat Ruszkowski, President of Carleton.

For more information on MarkOne Financial, you may visit or call (855) MARKONE.

About Carleton, Inc.
Carleton Inc., based in South Bend, IN, is the leading provider of financial lending and leasing calculation software, compliance support, and document generation software. Founded in conjunction with the Truth-In-Lending Act in the late 1960’s, their client list has grown to include many of the major automotive finance companies and lenders, automotive lending software providers, loan origination software providers, and credit insurance companies in the United States. For more information, visit