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Why Legacy Systems Can’t Keep Up?

Outdated platforms, manual workarounds, and disconnected data continue to weigh down equipment finance providers with higher costs, slower service, and greater risk:

Manual credit assessments and document handling slow down approvals and increase errors. Transcend integrates AI to automate these tasks—speeding up decisions while keeping your team in control of key approvals. 

Scaling operations doesn’t have to mean scaling costs. Transcend automates deal processing so your existing team can manage rising volumes without the need for additional headcount or resource strain.

Purpose-Built for Modern Equipment Finance Operations

From origination through servicing and wholesale operations, Transcend Finance unifies every stakeholder—customers, dealers, auditors, underwriters, and finance teams—ensuring compliance, control, and efficiency across the entire equipment finance lifecycle.

Capabilities Across the Contract Lifecycle

Fast, Accurate Originations

Digitize onboarding and equipment-specific workflows to accelerate lease and loan approvals while maintaining compliance and asset data integrity.

Data-Driven Credit Execution

Apply bureau integrations, collateral valuations, and risk policies to ensure consistent decisions across teams, products, and geographies.

Efficient Contract Servicing

Manage restructures, payment holidays, and service-linked add-ons through configurable workflows while keeping portfolios accurate and compliant. 

Proactive Risk and Collections

Monitor exposure at contract and portfolio levels, identify early warning signals, and execute targeted strategies to protect performance.

Integrated Wholesale Finance

Manage dealer funding, floorplan audits, and manufacturer support centrally—strengthening operational control and mitigating wholesale risk.

Connected Ecosystem

Enable every user, from dealer to collections agent, to operate from a single source of truth with shared visibility across the contract lifecycle.

Compliance Without Complexity

Adapt rapidly to regional and industry-specific regulations with dynamic business rules, configurable workflows, and audit-ready reporting. 

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, rapid deployment, and easy integration. Its modular design lets you deploy only the capabilities you need—whether that’s origination, servicing, or wholesale finance—and expand as your business grows.

Technology Built to Scale, Adapt, and Evolve With You

Cloud-Native Scalability

Secure and optimized for high performance across North America, EU, and APAC markets.

Modular by Design

Deploy individual capabilities or the full platform, adapting quickly to changing business and regulatory needs without re-platforming.

Web- and Mobile-Based Access

Empower teams and partners with full platform functionality via browser or mobile apps, including mPOS for dealers and sales teams.

Rapid Deployment

Reduce time-to-value with configurable workflows and pre-built integrations that accelerate implementation.

Integration-Ready

API-first architecture connects easily with CRMs, credit bureaus, payment gateways, and other enterprise systems.

Future-Proof Architecture

Continuous updates and flexible configuration ensure the platform evolves with your business, technology, and regulatory landscape.

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

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Unit 345
2500 Castle Dr
Manhattan, NY

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