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Why Legacy Systems can’t Keep Up?

Outdated systems, manual processes, & disconnected data keep asset finance teams struggling with complexity, cost, and risk:

Gen Z and Millennial buyers expect instant, AI-driven approvals and seamless self-service experiences that legacy platforms can’t deliver. 

Multi-market compliance requires rapid updates and configurable rule sets, increasing operational costs for rigid systems.

Emerging models like EVs, subscriptions, and usage-based financing demand flexible system architectures.

Disparate legacy systems hinder data consistency, integrations, and end-to-end visibility. 

Vendor platforms failure to adapt to regional compliance or custom workflows, causing delays, costly rework, and extended time-to-value.

Varying user experiences across regions reflect gaps in unified platform capabilities and support models.

Purpose-Built for Modern Asset Finance Operations

From origination through servicing and wholesale operations, the platform connects every stakeholder—customers, dealers, underwriters, and finance teams—while ensuring compliance and operational control across the entire contract lifecycle

Capabilities Across the Contract Lifecycle

Fast, Accurate Originations

Digitize onboarding and asset-class specific workflows to accelerate funding decisions while maintaining compliance and data integrity.

Data-Driven Credit Decisions

Leverage AI to analyze credit risk, enforce lending policies, and reduce manual reviews through AI powered recommendations.

Efficient Contract Servicing

Manage contract changes, restructures, and customer servicing through configurable workflows, maintaining consistent data and operational control across the platform.

Proactive Risk and Collections

Leverage AI-powered trend analysis, clustering, and sensitivity analysis to identify emerging risks and inform proactive collections strategies, helping protect portfolio performance.

Connected Ecosystem

Streamline document extraction, validation, and compliance checks. Eliminate manual errors and stay audit-ready with AI-powered automation.

Integrated Wholesale Finance

Manage dealer funding, floorplan audits, and disbursements centrally to enhance operational control and mitigate wholesale finance risks.

Compliance Without Complexity

Adapt rapidly to regulatory changes with dynamic business rules, configurable workflows, and audit-ready compliance across regions.

Your Industry Is Evolving. Is Your
Tech Keeping Up?

Manual, siloed processes slow down asset deployment and credit decisioning. Transcend automates workflows across origination, servicing, and collections with full contract lifecycle support and real-time portfolio insights.

Why it works:

  • Highly configurable workflows for diverse asset types 
  • Accurate valuation, depreciation, and risk modeling 
  • Lifecycle contract management and wholesale credit tools 
  • Inventory management and B2B integrations 
Asset Equipment

Whether retail or wholesale, Transcend enables faster funding, accurate dealer credit evaluation, and omnichannel engagement for end customers, all with aa configurable platform for audit-readiness. 

Why it works:

  • Instant dealer credit checks and real-time funding tools 
  • Digital POS and customer self-service across channels 
  • Wholesale floorplan and inventory management 
  • Audit-ready workflows with lifecycle contract control 
Automotive

Empower underwriters with AI-led decisioning, streamline borrower onboarding, and minimize credit risk with dynamic stipulation management and deep analytics. 

Why it works:

  • Dynamic application scoring and onboarding with AI assistants 
  • Intelligent stipulations and automated document collection 
  • Portfolio-level insights for high-volume accounts 
  • Advanced clustering for credit and asset risk segmentation 
SME Lenders
Whitepaper

The AI Transformation
Playbook for Auto Captives

Read Now

Blog

Boosting returns through specialisation in asset finance – Key insights from AFC’s webinar

Understand the real operational cost of outdated systems—and how to prioritize automation that delivers ROI.

Read Now

Blog

Why human-in-the-loop is critical to successful AI strategies in asset finance

We’ve officially launched localized versions of our retail platform to support growing demand across key EU markets.

Read Now

Webinar

When, how and why should auto and equipment finance lenders deploy AI?

The panel explores AI’s three adoption pillars, why many start with traditional tools, and how AI integration drives measurable business impact.

Watch the Webinar

See how Transcend Finance can help you reduce costs, speed up
decisions, and stay ahead in asset finance.
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Manhattan, NY

T: +216 (0)40 3629 4753
E: [email protected]