Auto & Equipment Loans
Move asset-backed financing from slow, manual review to fast, automated approvals. Lama AI streamlines auto and equipment finance by automating borrower intake, vendor coordination, fraud checks, financial analysis, collateral review, decisioning, and closing so lenders can fund qualified deals faster with less operational drag.
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Frictionless Intake.
Don't let paperwork, dealer handoffs, or scattered document requests slow down high-intent borrowers. Lama AI provides a sleek, mobile-responsive application experience with smart data pre-fill, guided workflows, and a secure client portal that helps businesses apply for auto and equipment financing with less friction.
Applicants, vendors, and dealer partners can submit borrower details, ownership information, asset information, purchase terms, invoices, quotes, and supporting documents in one organized workflow.
Automated Cash Flow & Collateral Analysis.
Evaluate both borrower capacity and asset-backed risk without hours of manual work. Lama AI gives applicants flexible ways to share financial data, including bank account connections through Plaid, accounting software integrations, or manual uploads of financial statements, tax returns, bank statements, invoices, and equipment quotes.
Whichever path they choose, Lama AI automatically parses, normalizes, and analyzes the data, transforming raw documents and live financial feeds into clear insights on cash flow, repayment capacity, debt obligations, asset cost, vendor information, and financing structure.
Auto-Decisioning and Structure Recommendations.
Move auto and equipment finance applications through review faster while keeping your credit policy fully under your control. Lama AI embeds your eligibility rules, risk appetite, asset criteria, borrower requirements, advance-rate logic, pricing guidelines, and approval thresholds directly into the workflow.
The platform generates instant risk grades, approval recommendations, financing amount suggestions, term guidance, and structure recommendations based on borrower profile, repayment capacity, asset type, collateral value, transaction size, and your institution's unique underwriting criteria.
Whether you automate straightforward requests or route larger, specialized, or exception cases to a human-in-the-loop review, Lama AI helps your team make faster, more consistent asset-backed credit decisions.
Automated Closing & Funding.
Turn approved applications into funded transactions without back-office delays. Once an auto or equipment finance request is approved, Lama AI orchestrates the closing workflow automatically, generating required agreements, routing documents for e-signature, tracking final conditions, and pushing approved data via API into your core or lending systems.
From application to approval to funding, Lama AI helps lenders, vendors, and dealer partners deliver a faster financing experience while reducing manual work across the entire asset finance lifecycle.
Credit assistant guiding underwriters.
Equip your credit team to decide smarter and faster. A context-aware and explainable AI assistant compiles insights, researches deals, and generates policy-aligned credit narratives in seconds.
Works with the systems you already trust.
With a RESTful API architecture, Lama AI connects seamlessly to your existing stack, including core systems, risk models, verification layers, SoS, E-Tran, and more. Benefit from 100+ pre-built integrations and a frictionless way to add new ones, enhancing operations without disruption or complexity.
All the LOS capabilities, out of the box.
Skip the lengthy implementations and go live fast with plug-and-play functionality ready from day one. When you’re ready to make it fully yours, Lama AI’s configurability enables 100% customization across workflows and processes—in just 3 weeks.
Enterprise-grade security.
Protect your data and your customers’ trust with built-in compliance and bank-level safeguards. Lama AI is SOC 2 Type 2 certified and CCPA/CPRA compliant. With 256-bit AES encryption, role-based access, and SSO support, only the right people have access at every step.
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GenAI at your service.
Draft borrower follow-ups, updates, and requests without the hassle. Ready for review and send, your team skips the busywork, reduces time to complete each package, and builds better relationships.
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