Fund the asset on cashflow that covers it.
Whether it is a vehicle, plant or equipment, repayment has to come from the business. Credit Canary reads the live account to confirm the cashflow covers the instalment, surfaces existing finance, and decides in minutes.
The asset-finance file, reimagined
The old way estimates. The AI way reads real coverage.
- Affordability estimated from filed accounts
- Existing hire-purchase and leases easy to miss
- Slow manual checks on each agreement
- No early view of repayment stress
- Instalment coverage read from real cashflow
- Existing finance commitments detected in the feed
- Minute-level decisions on each agreement
- Monitoring that flags coverage slipping
AI across the asset-finance lifecycle
From quote to the end of the agreement.
Origination
Pre-qualify from one connection, with no document chase to begin.
Coverage
Measure the instalment against real, categorised cashflow.
Decisioning
Resolve business, director and Open Banking data into one decision.
Monitoring
Flag falling coverage before an arrears problem starts.
The business account, turned into coverage
The Open Banking enrichment behind our wider work, read as instalment coverage.
Insight from across the platform
Asset-finance decisions draw on the same modules and Open Banking depth as the rest of Credit Canary.
Open banking enrichment
How a raw feed becomes clean categories, income and risk.
Affordability assessment
Turning real cashflow into a sustainable lending decision.
Decisioning engine
Policy, data and models in one live, explainable decision.
Banking module
Connect business accounts and read categorised transactions.
Analytics
Portfolio trends and early-warning signals across the book.
All SME lending products
Term loans, revolving credit, invoice and asset finance, and more.
Fund assets on cashflow that covers them.
See how Credit Canary measures instalment coverage from a live business account.