One AI Engine,
All Things Auto Finance.

Investment opportunities powered by the AI Engine for Auto Finance.

One AI Engine,
All Things Auto Finance.

A lending solution using AI to put more drivers into vehicles.

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.

Traditional Approach

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.

Product Overview - Predictive Analytics section

Product Overview - 360 Data Insights section

Product Overview - Performance Tracking section

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.