R&D PHASE: PRODUCTION READY

The Science of
Automotive Lending.

We build the algorithmic infrastructure that powers instant loan decisions. AI-driven risk modeling for lenders, dealerships, and fintechs.

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/// LIVE_MODEL_V4.2

Input Variables

Credit_Score 740
DTI_Ratio 12%
LTV 85%
Vehicle_Age 2yr
> Calculating...

Risk Probability Distribution

Output

APPROVED
Rate: 4.25% APR
Limit: $45,000
Confidence: 99.8%
350ms
Decision Latency
$4.2B
Loans Originated
99.9%
Uptime SLA
50+
Data Sources
MODULES

Lending Infrastructure

Modular APIs designed to integrate into your existing loan origination system (LOS).

🧠

Neural Risk Scoring

Move beyond FICO. Our neural networks analyze 2,000+ data points to predict default risk with unprecedented accuracy.

Model: XGBoost + LSTM
⚡

Instant Structuring

Generate perfectly structured deal terms (rate, term, down payment) that maximize profitability while fitting the borrower's budget.

Latency: <500ms
🔍

Fraud Detection

Computer vision verifies ID documents and income statements instantly, flagging synthetic identities before you fund.

Accuracy: 99.4%

The Methodology

We approach lending as a science. By experimenting with alternative data sets and machine learning models, we unlock liquidity for underserved borrowers without increasing portfolio risk.

  • Data Ingestion

    We connect to credit bureaus, bank APIs, and employment databases.

  • Feature Engineering

    Our lab isolates predictive variables that traditional lenders ignore.

  • Decision Execution

    Fully automated approval and funding workflows via REST API.

[ SYSTEM_ARCH ]

User -> API Gateway
  |-> Risk Engine
    |-> ML Model A
    |-> ML Model B
  |-> Compliance
  |-> Pricing
<- JSON Response

Access The Lab

Partnership inquiries for lenders and dealership groups.