Automotive finance
The loan lifecycle, run by governed agents.
Origination and refinance are long processes with a regulator waiting at the end of them. AutoFabric runs the steps that eat the calendar: credit pulls against Experian and TransUnion, VIN decode, deal structuring, chasing stipulations, payoff quotes. An agent does the work and an OPA policy engine decides what it is allowed to do, with TILA, ECOA and FCRA checked on every action rather than sampled in a quarterly review. It reaches into DealerTrack, RouteOne and CDK because that is where the deals already are, not because integration counts look good on a slide. Every decision keeps its lineage, so when an examiner asks in month nine why a deal went the way it did, the answer is a record rather than a reconstruction.
Built for auto lenders, dealer groups, credit unions and captive finance companies.
What is in it
- Origination agent
- Refinance agent
- Policy governance
- Compliance engine for TILA, ECOA and FCRA
- Credit bureau and VIN decode integration
- Decision lineage
The Databricks surfaces it runs on
- Unity Catalog
- Mosaic AI
- Databricks Apps
- Temporal
The work this was built out of.
AutoFabric exists because the same problems arrived often enough to be worth solving once. These are the engagements where we learned them.
Auto ApproveAuto-refinance company doubles loans processed without adding agents
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iLendingModernizing an auto refi platform: iLending's Phoenix app
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SWBCModernizing legacy: from market fader back to industry leader
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Location ServicesVRM Pro: an assignment intake engine that runs itself
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DealerIQTransforming auto retail from manual to data-driven sales intelligence
Read it