This document describes a model for analyzing the financial stability of captive finance companies. The model represents funding (F), receivables (R), and payables (P) using variables and constants in a matrix equation. Running the model with different values showed that operating costs greater than 1% of receivables or losses greater than 1% of receivables prevented profitability. Aggressively repaying payables, rather than as necessary, was profitable by creating greater receivables than payables over time. The model is sensitive to relationships between variables and constants but not initial or constant values. Improving the model by breaking components into sub-models and allowing constants to vary could provide more realistic insights.