One AI Engine,
All Things Auto Finance.

Investment opportunities powered by the AI Engine for Auto Finance.
Learn about Karus for Institutions

One AI Engine,
All Things Auto Finance.

A lending solution using AI to put more drivers into vehicles.
Learn about Karus for Dealers

Our Edge

The Karus Solution

Karus is the software decisioning tool that more efficiently powers lending and private credit capital allocation.
Karus’ AI Lending Platform uses sophisticated ML models to more accurately identity risk and approve more borrowers than traditional credit model.
Karus solution card
The solution reduces manual processing and offers a simple and convenient experience for originators & investors.
Karus solution card
End-to-end solution to find creditworthy borrowers with full capabilities around underwriting, loan-closing, and servicing.
Karus solution card

Our Edge

Diverse & Proprietary
Data Sets

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Proprietary ML models to accurately price credit risk versus traditional credit models.
Customs icon
Loan tapes and account outcomes from open source, private loan tapes, and third party data providers.
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Credit risk models based on millions of borrowers and vehicles.

Real-time,
Dynamic Pricing

Terms icon
Customized terms and rates for each auto loan.
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Thousands of loan simulations in less than a second to find the right loan for the right customer.
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Price discovery models find the right fit for the customer, dealer and investor.

Integrated with Thousands of
Dealers & Online Platforms

Integrated with thousands of dealers & online platforms

Hub icon
Access to thousands of dealers and borrowers through Karus’ dealer network.
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Size of network allows for investors to scale receivables.
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Diverse set of application sources, decreasing concentration to any set of borrowers.

Diverse & Proprietary Data Sets

AI icon
Karus uses proprietary ML models to accurately price credit risk versus traditional credit models.
Customs icon
Loan tapes and account outcomes from open source, private loan tapes, and third party data providers.
Applications icon
Credit risk models based on millions of borrowers and vehicles.

Real-time, Dynamic Pricing

Terms icon
Customized terms and rates for each auto loan.
Give icon
Thousands of loan simulations in less than a second to find the right loan for the right customer.
Price icon
Price discovery models find the right fit for the customer, dealer and investor.

Integrated with Thousands of Dealers & Online Platforms

Hub icon
Access to thousands of dealers and borrowers through Karus’ dealer network.
Network icon
Size of network allows for investors to scale receivables.
Dashboard icon
Diverse set of application sources which decreases concentration to any set of borrowers.

Bringing Industry Overhaul

Traditional Auto Lending is Broken

For years, the incentives within consumer auto lending have been misaligned.
Traditional Approach
Logo in The Karus Solution box
The Karus Solution
Inaccurate underwriting/FICO scores
Solvency scores based on thousands of features
Opaque pricing & interest rates
Total transparency
Arcane pricing matrix
Customized loan terms
Slow responses
Immediate data-driven decisioning
Insufficient post-origination monitoring
Predictive analytics on existing receivables (The Karus Portal)
Lack of dynamic pricing
ML models for “winning” the best borrowers

The Karus AI

How it Works

AI decisioning tool efficiently empowers lending and private credit capital allocation in auto finance for all participants.
Use Karus as a Lender
Karus is integrated with the Dealer’s preferred LOS platforms (DT & RO) and will send customized terms for each transaction.
Use Karus as a BI Tool
Have Karus analyze portfolios or existing receivables as comprehensive diligence & forecasting tool.
Institutional Investors
Karus powers asset acquisition and credit strategies for Institutions looking for exposure to consumer auto receivables underwritten with proprietary data driven models.
Captive Lending
Dealers, Online Platforms, and Auto Retailers can use Karus to start lending to their own customers.

The Karus Portal

Product Overview

The Karus Portal delivers predictive insights and credit analytics for existing consumer auto loans and new originations from Karus-powered lending programs.

1. Overview

General summary on current and predicted performance for pools of auto receivables.

Product Overview - Overview section

2. Predictive Analytics

All performance indicators reported and visualized updated daily. Track defaults, net losses, and delinquencies curves (historical and predicted) in real-time.

Product Overview - Predictive Analytics section

3. 360° Data Insights

Detailed feature and risk insight derived from millions of auto loans.

Product Overview - 360 Data Insights section

4. Account Performance Tracking

All payment and loss history tracked for each account originated using Karus underwriting at the account and portfolio level. History for closed accounts + ML projected cash flows for active accounts.

Product Overview - Performance Tracking section

The Karus Team

About Us

The team bringing efficiency and predictability to the world of auto credit.
Aaron Travis - CEO
Aaron Travis
CEO
James Harrison COO
James Harrison
COO
Paul Kostoff CTO
Paul Kostoff
CTO

Our Advisors

Ross Weiner
Ross Weiner
Chief Infrastructure Officer & General Counsel, CODE Advisors
Keri Findley
Keri Findley
Founder & CEO, Tacora Capital
Ryan Davis
Ryan Davis
Co-Founder, Backlot Cars (Aquired by KAR Global)
Ponder Harrison
Ponder Harrison
Co-Founder, Allegiant Travel, Founder & CEO, Virtual Premise (Acquired by CoStar)
Arturo Aguilar
Arturo Aguilar
Founder & CEO, Auto One Acceptance
Gerrit Graham
Gerrit Graham
Chief Revenue Officer, Encamp RegTech

Our Investors

Investor StageDotO
Investor Wilson Sonsini

Let’s Start a Conversation

Reach out to find out how Karus technology can help your business.
Get in Touch