Auto & Mobility Lenders

We expand your business opportunities with improved accuracy and loan performance metrics

We serve a diverse customer base of auto lenders, auto funds and other dealers such as those in the electronic mobility industry.

Drive profit by reducing loss rate and uncovering new opportunities

Auto Lenders

We successfully worked with a major auto lender in the UK for several years. They had an extremely low charge-off rate, but the underwriting process stretched across 2-3 days.

We reverse-engineered their human underwriting process and were able to replace a 2-3 day manual process with one that can occur in milliseconds. This model operates at 10 times the loan throughput of 150 human underwriters. Our current prediction accuracy for them is greater than 98%.

It has been operational for two years with default rates that match or outperform the human process. This enabled them to become the fastest-growing lender in Europe and the UK.

Auto Funds

For auto funds, managing risk and improving operational efficiency are critical to success. Our credit risk models analyze thousands of data points to improve predictive accuracy, lower default rates, and expand loan inclusivity.

E-Mobility Dealers

Electronic mobility options — e-bikes, mopeds, and scooters — are growing in popularity, particularly for urban populations and underbanked communities. Our platform evaluates creditworthiness using alternative data for borrowers who may lack traditional credit history, helping more people access e-mobility options.