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.

The solution reduces manual processing and offers a simple and convenient experience for originators & investors.

End-to-end solution to find creditworthy borrowers with full capabilities around underwriting, loan-closing, and servicing.

Our Edge
Diverse & Proprietary
Data Sets
Proprietary ML models to accurately price credit risk versus traditional credit models.
Loan tapes and account outcomes from open source, private loan tapes, and third party data providers.
Credit risk models based on millions of borrowers and vehicles.
Real-time,
Dynamic Pricing
Customized terms and rates for each auto loan.
Thousands of loan simulations in less than a second to find the right loan for the right customer.
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
Access to thousands of dealers and borrowers through Karus’ dealer network.
Size of network allows for investors to scale receivables.
Diverse set of application sources, decreasing concentration to any set of borrowers.
Diverse & Proprietary Data Sets
Karus uses proprietary ML models to accurately price credit risk versus traditional credit models.
Loan tapes and account outcomes from open source, private loan tapes, and third party data providers.
Credit risk models based on millions of borrowers and vehicles.
Real-time, Dynamic Pricing
Customized terms and rates for each auto loan.
Thousands of loan simulations in less than a second to find the right loan for the right customer.
Price discovery models find the right fit for the customer, dealer and investor.
Integrated with Thousands of Dealers & Online Platforms
Access to thousands of dealers and borrowers through Karus’ dealer network.
Size of network allows for investors to scale receivables.
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.

The Karus Solution
Inaccurate underwriting/FICO scores
Solvency scores based on thousands of features
Opaque pricing & interest rates
Immediate data-driven decisioning
Insufficient post-origination monitoring
Predictive analytics on existing receivables (The Karus Portal)
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.
Karus is integrated with the Dealer’s preferred LOS platforms (DT & RO) and will send customized terms for each transaction.
Have Karus analyze portfolios or existing receivables as comprehensive diligence & forecasting tool.
Karus powers asset acquisition and credit strategies for Institutions looking for exposure to consumer auto receivables underwritten with proprietary data driven models.
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.
2. Predictive Analytics
All performance indicators reported and visualized updated daily. Track defaults, net losses, and delinquencies curves (historical and predicted) in real-time.
3. 360° Data Insights
Detailed feature and risk insight derived from millions of auto loans.
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.
The Karus Team
About Us
The team bringing efficiency and predictability to the world of auto credit.
Our Advisors
Chief Infrastructure Officer & General Counsel, CODE Advisors
Founder & CEO, Tacora Capital
Co-Founder, Backlot Cars (Aquired by KAR Global)
Co-Founder, Allegiant Travel, Founder & CEO, Virtual Premise (Acquired by CoStar)
Founder & CEO, Auto One Acceptance
Chief Revenue Officer, Encamp RegTech
Let’s Start a Conversation
Reach out to find out how Karus technology can help your business.
Get in Touch