Our Technology

The AI Engine for Auto Finance

AI-Powered Underwriting & Loan Structuring Models

ML underwriting models trained on tens of millions of outcomes
Loan structuring algorithms which test thousands of term combinations to maximize desired variables (IRR, APR, LTV, PTI, Loan Amount, etc.), minimize default risk, and increase win rates for the highest performing borrowers
Loan-level pricing models for origination and secondary purchase

AI-Powered Portfolio Management & Credit Risk Analytics

Loan-level & portfolio-level underwriting visualizations & analytics
Loan-level & portfolio-level  forecasts and pricing scenario analysis
Real-time origination & payments tracking including principal / interest predictions & forecasts
Real-time tracking of application flow sources including approval & decline, borrower, loan and collateral level metrics