Former top Exeter, AmeriCredit leaders reunite again with FinTech firm

IRVING, Texas - 

After collaborating previously at Exeter Finance and AmeriCredit, auto finance industry veterans Mark Floyd and Kenneth Wardle are teaming up again; this time to leverage what’s happening online when consumers search for financing.

According to a news release sent to SubPrime Auto Finance News this week, Floyd and Wardle have acquired an equity stake in Horizon Digital Financial Holdings, an online auto finance technology firm located in the Dallas-Fort Worth Metroplex. The transaction was effective May 1.

Horizon Digital is the parent company for online consumer loan marketplace participant

Floyd will serve as chairman and chief executive officer of Horizon Digital, and Wardle will serve as chief operating officer.

Greg Thibodeau will continue to serve as president of

All of the Horizon Digital companies will be based at’s present office location, 5005 West Royal Lane, Suite 209 in Irving, Texas.

Since 2003, through and complementary auto finance websites, Horizon has generated approximately $11 billion in auto finance requests and refinance transactions for its strategic partners.  Horizon’s websites offer direct-to-consumer finance options that can allow consumers to apply for a variety of loan types and receive up to four real-time loan offers from national finance within seconds.

Floyd has more than 20 years of experience as a senior executive in the non-prime auto finance industry. Most recently, he served as CEO of Exeter Finance. Prior to Exeter, Floyd was Co-COO at AmeriCredit Corp., in addition to other executive roles during his 11-year tenure at the firm.

Prior to entering the non-prime industry, Floyd spent 20 years in banking in the Dallas area, serving in a variety of executive positions, including CEO, president and COO of several banks, as well as a principal shareholder of State Bank & Trust.

Floyd currently serves on the boards of directors of the National Automotive Finance Association, Renew Financial Services, DIMONT and Intellaegis.

“Having the opportunity to work with Greg and the team at to leverage a proven technology platform was an intriguing proposition, and the timing was perfect,” Floyd said.

“The platform is a proven marketplace platform that I believe we can take to a new level of service to existing lender clients, as well as consumers,” he continued.

Wardle most recently was CEO of Jet Capital, a merchant cash advance company headquartered in the Dallas area.  He was a co-founder of Exeter in 2006, where he served in various executive roles, including executive vice president, portfolio management. While at Exeter, he led operations in the areas of portfolio analytics, information technology, and credit review and servicing strategy design.

Prior to co-founding Exeter, Wardle held positions in risk management at Drive Financial Services, LP and AmeriCredit. 

Thibodeau said, “Horizon Digital was FinTech before anyone called it FinTech. When I saw that Mark had left the board of Exeter in 2016, I reached out to him to see if he would be interested in working with us at Given his experience at AmeriCredit and Exeter, I’m glad he said yes. I am equally pleased he has brought Kenn onboard as a partner to work with us to develop the next growth phase of our firm.”

“To have Mark’s and Kenn’s experience and expertise in the non-prime industry is a big win for Horizon Digital. We are enthusiastic to have them as shareholders, as well as operating partners,” Thibodeau went on to say.