RE: TD/Waterhouse"The arena for car financing represents big bucks and appears that Carbiz is currently in the lead to dominate and be the finance portal."
Maybe in Canada where Banks seek "exclusive" relationships with dealerships. Not so in The US where dealerships are stating to embrace the Multi-Lender platform where Banks will COMPETE for a customers business. Portals need to have several financial institutions tied to their platform to enable the customer to obtain the very best loan/lease for his/her credit risk category.
See www.lendingtree.com and www.creditconnection.com