Karus - One AI engine, all things auto finance

/ metrics

Numbers at a glance

AI decisioning, cash flow, and pricing models trained on 20,000,000+ auto loan outcomes.

Partnering and implementation with Karus has been a breeze. Allowing Karus to use our previous underwriting decisions against their powerful decisioning model has been incredibly eye-opening & powerful. Our hybrid model is built off of the million AI data points that Karus has access to along with our historical underwriting that has helped us perform so well over the last 10 years. Karus will allow Capital Auto Loan to scale efficiently, maintain consistency and optimize portfolio performance.

$5B+

origination volume passed through our point of origination models

$10B+

seasoned portfolio volume scored by our post origination cash flow models

1000+

features utilized by our AI models across deep credit history, loan terms, collateral risk, and macro economic market conditions

/ Customer impact

The Karus advantage

Access to high yielding portfolios of auto loans from the point of origination with market beating performance.

Efficient scaling for underwriting teams using AI underwriting.

Unlock growth for originations using AI performance which matches or exceeds experienced underwriting teams.

Accurate assessment of remaining portfolio cash flows from any level of seasoning.

Apply cash flow forecasting to any auto portfolio, applicable both for ABS deal ramps on Intex Calc or private portfolios accepting bids

Access to an LLM based data analyst to extract insight from lending operations.

Gain access to an AI assistant to extract insight from standardized originations, payments, and credit data.

/ Our customers

Customer routing

Find the right product fit for your company profile.

Auto lenders

Dealers

Credit unions

Auto loan forward flow programs

Meet our customers