Where can I find a business model for an auto leasing company?

I can answer some of your general questions without necessarily answering all of them, or answering any of them with great specificity.

Wholesale pricing to an auto company is known as “fleet pricing”. You let them know the size of the fleet you’d like to purchase, as well as the specification of the fleet (models, styles, colors, etc.) and they’ll give you the discount that applies to that size fleet of those models. There’s still room for negotiation, and if you have a business model that appeals to them and seems like it can really take off, then they might even improve their pricing or attempt to buy into your operation.

Whether you buy direct from the manufacturer or through a dealer is going to depend mostly on the size of the fleet and timing of the buy. If you have no experience in this type of operation and if you don’t intend to buy a huge fleet all at once, then no manufacturer would want to waste a salesman’s time with you, since they’re in the business of selling “fleets” of hundreds and thousands of cars to new car dealers, fleet purchasers such as rental and leasing agencies, and major users such as governments and large companies in a single order, not scores or dozens or less.

I doubt if any manufacturer or dealer is going to extend you (as a new business) much credit in today’s economy unless you bring significant collateral and experience in the business to the table.