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Specialty Finance
Asset-based lenders · equipment & consumer originators · fund finance · ABS issuers
Volume businesses where the marginal cost of a decision is a human hour. Growth means either hiring linearly or making the paper move itself — and the firms that solve the second keep their unit economics while competitors trade margin for headcount.
■ What’s breaking
Where the hours actually go.
Loan tapes in a different format every monthEvery counterparty, every cycle — normalized by hand before anything can be decided.
Exception queues worked first-in-first-outCollateral and stipulation exceptions cleared by arrival order, not by risk.
Reporting rebuilt every cycleInvestor and ABS reporting assembled by hand, again, every month.
Decisions that can’t be re-derivedWhen a loss shows up six months later, nobody can reconstruct why the credit was approved.
■ What we build
The systems that fix it.
- 01Tape ingestion and normalization that survives counterparty format drift
- 02Automated collateral and stipulation review, humans on exceptions only
- 03Risk-ranked exception queues instead of chronological ones
- 04Reproducible decision records — inputs, model version, approver — on every credit
- 05Reporting pipelines that turn securitization diligence into a query, not a project
Where to startAn AI Value Diagnostic to find where the human hours sit, then a Document-to-Decision Sprint on tapes, collateral files, or servicing exceptions — whichever queue is capping origination volume.