Asset finance decisions, 3 to 5 times faster. End to end. Bank-grade auditable.
Dealer floorplan, origination, underwriting, and servicing automated end-to-end. Built for banks and finance companies competing on speed-to-decision, dealer-network experience, and audit defensibility.
In production at ScoreKick. US fintech, audit-ready by design.
Your dealers want decisions in minutes. You take days.
Buyers expect financing answers in minutes. Dealers expect floorplan decisions in hours. You’re operating on day-long cycles because your underwriting workflow still requires manual coordination across credit bureaus, internal scoring, and human reviewers.
Competitors are automating. They aren’t building better underwriting models. They’re building better orchestration. The decision quality stays the same. The decision speed wins them dealer relationships.
You don’t need a new credit decisioning engine. You need a system that orchestrates the workflow around the engine you already have.
Four capabilities. Bank-grade by design.
- 01
Origination Automation
End-to-end origination orchestration with full decision provenance. Application intake through decision: credit bureau pulls, third-party data, internal scoring, and human review captured as a single auditable workflow.
- 02
Underwriting Acceleration with Explainability
Underwriting decisions automated where criteria are clear, with explainable inputs on every decision. Edge cases routed to underwriters with full context preassembled. No black-box scoring.
- 03
Dealer Floorplan Management
Floorplan funding, audit, and reporting orchestrated across your dealer network. Real-time visibility into utilization, exceptions, and risk concentrations. Built for monthly bank-grade audit review.
- 04
Risk Governance and Failure Handling
Every decision logged with timestamps, retrieval sources, and human review. Defined failure-handling for bureau outages, scoring service downtime, and data inconsistency. Reconstructible for regulator review months or years later.
Two measured outcomes from production deployment.
- 013 to 5 times fasterUnderwriting decisionsScoreKick, US fintech production
- 0270 to 85% reductionCompliance reporting cycles for asset finance auditsCompliance Intelligence System co-deployed
ScoreKick. US FinTech Intelligence Platform.
Lead-scoring intelligence and decisioning workflow for US lending teams. Compliance reporting automated end-to-end; audit trails reconstructible at the decision level for regulator review. Asset finance workflows orchestrated on top of an existing core, with bureau, DMS, and document-management integrations live in production. Same engineering team, same architecture, same handover model that the Compliance Intelligence System uses.
Directional ranges from the ScoreKick production deployment and internal benchmarks. Specific numbers shared with qualified buyers on diligence calls. Results vary by workflow, data quality and adoption.
Scoping asset finance automation?
- Reply within 24 hours, often much faster
- Free 30-minute call. No sales script.
- Honest scope and timeline, including when we’re not the right fit
Common questions.
The system, layer by layer.
Retrieval Layer
Vector stores indexed for credit policy, dealer agreements, and historical decision data · Embeddings tuned for finance language
Orchestration Layer
Origination workflow · Underwriting acceleration · Floorplan management · Policy servicing automation · Tool routing across credit bureaus, DMS, and internal systems
Compliance Layer
Audit logging at the decision level · Decision provenance for asset finance audits · Regulator-ready evaluation harnesses
Integration Layer
Credit bureau APIs · Dealer Management Systems · Internal scoring engines · Document management · Banking core systems
Deployment Layer
Region-specific hosting · Multi-tenant isolation for lender clients · SOC 2-aligned infrastructure
Asset finance is BFSI workflow with dealer-network specifics. Same architectural rigor, vertical-specific integrations.
Senior engineers. Production from day one.