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Why Legacy Systems Can’t Keep Up in Automotive Finance

Manage every contract, customer interaction, and lifecycle event in one place. Streamline modifications, automate servicing tasks, and improve accuracy across retail, lease, and fleet portfolios.

Handle repayments, asset management, remarketing, and end-of-term journeys with zero friction. Improve customer experience while reducing operational overhead.

Give dealers real-time visibility into inventory, collateral, and credit availability. Automate audits, payout processes, and inventory controls to keep floorplan funding fast and compliant.

Strengthen governance with audit-ready workflows, embedded compliance checks, and configurable rules. Seamlessly connect to DMS, CRM, core banking, payment rails, and OEM systems.

A modern microservices architecture that scales with your portfolio. AI assists underwriting and servicing decisions, while APIs keep every channel—digital, dealer, and back-office—connected.

Capabilities Across the Contract Lifecycle

Fast, Digital Originations

Accelerate loans and leases with digital onboarding, bureau integrations, and vehicle-specific workflows.

Credit & Risk Execution

Apply captive-approved credit policies, residual value models, and decisioning rules for speed and consistency.

Contract & Lease Servicing

Support restructures, early terminations, and service requests with configurable workflows that reduce overhead.

Collections & Portfolio Management

Manage delinquencies, restructures, and portfolio health with configurable workflows and centralized reporting.

Wholesale & Floorplan Finance

Centrally manage dealer funding, disbursements, and floorplan audits to maintain control, reduce risk, and strengthen dealer networks.

Connected Ecosystem

Enable OEMs, dealers, and finance providers to work from a single source of truth with shared visibility and standardized processes.

Global Compliance Without Complexity

Adapt quickly to regional and global mandates—consumer protection, data privacy, financial reporting (IFRS), and regulators. Configurable rules and controls ensure audit-ready compliance worldwide.

AI-Driven Asset Finance Platform That Delivers Speed,
Accuracy, and Compliance

With configurable compliance, flexible workflows, and a modular design, Transcend Finance
delivers faster decisions, streamlined operations, and proactive portfolio management.

Conversational Credit
Assistant

Chat-based insights and actions for credit teams—ask, analyze, and act instantly to boost productivity and decision speed.

Intelligent Document
Processing

Extract critical financial data from tax returns, bank statements, and contracts, with validation and discrepancy detection for faster, more accurate credit assessments.

Automated Credit Rule
Generation

Convert complex lending policies into automated credit rules to ensure consistent, compliant decisions without manual interpretation.

Credit & Risk Reports

Deliver SWOT analysis, applicant and asset insights, and credit memos—streamlining evaluation and enabling confident decisions.

Finance Structuring

Build optimized, risk-aligned finance terms tailored to each borrower’s profile, credit policy, and asset type.

Portfolio & Risk Segmentation

Identify applicant patterns using historical data to refine risk strategies and improve approval quality.

AI in Action for Lending Teams

AI as Your Credit Analyst 

Automates financial ratio calculations, risk profiling, and document verification — delivering complete borrower assessments in seconds.

AI as Your
Underwriter

Reviews applications, recommends optimal loan terms, and generates policy-aligned stipulations for faster, consistent approvals.

AI as Your Risk Manager

Identifies early warning signs, runs sensitivity checks, and factors in market trends to improve default prediction.

AI as Your Compliance Officer 

Ensures every credit decision is audit-ready, bias-mitigated, and compliant with multi-market regulations.

Cloud-Native, Modular, and Mobile-Ready Platform That Adapts as You Grow

Transcend Finance is built on a secure, cloud-native architecture designed for global scale, faster time-to-value, and easy integration. Its modular design lets you deploy only the capabilities you need—origination, servicing, wholesale, or beyond—and expand as your business grows.

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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About Salient

The Castle
Unit 345
2500 Castle Dr
Manhattan, NY

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