The desk just got a co-pilot.
The lender's job stays unchanged.
Lend Vision reads an Equifax or TransUnion report in seconds and returns a structured, lender-aware analysis — the Lend Vision CIS score, ratios, deal-structure guidance, and a finance-manager note. Decision-support only. No approvals.
Equifax · CA
Bureau · A.M.
Lend Vision CIS Score
Near-Prime / Structure Sensitive. Likely fit with mid-tier lenders given utilization and recent inquiry pressure.
TDSR
46.1%
GDS
34.3%
PTI
10.0%
Suggested next action
Verify gross monthly income, confirm housing payment, target payment ≤ $480 / mo, consider lower-LTV vehicle to widen mid-tier lender fit.
Built like a finance command-center, not a chatbot.
Every layer is auditable. Calculations are deterministic. The AI is asked to interpret pre-computed structure — it is never the source of truth.
Deterministic math
TDSR, GDS, PTI, utilization, disposable income — calculated in code. The model interprets. It never recomputes.
Six-pillar Lend Vision CIS
Bureau strength · debt capacity · stability · auto-fit · risk friction · rebuild potential. Weights configurable per dealership.
Provider-neutral AI
Anthropic, OpenAI, DeepSeek, Moonshot, MiniMax, Perplexity. Pick per analysis. Switch without re-architecting.
Compliance-first language
No 'approved'. No 'declined'. The system uses 'likely', 'may', 'appears' — by design, throughout.
Encrypted at rest
AES-256-GCM for sensitive payloads. SIN masking. Account numbers truncated to last 4. Audit trail on every view.
Role-aware UI
Ten roles. Salespeople see simplified status. F&I sees full bureau. Admin sees the dials. Auditors see the log.
Seven stages. One workflow.
Built for the desk, not the customer.
Upload Received
Equifax or TransUnion PDF, scanned image, or copied text. Consent is captured before a single ratio is computed.
Bureau Extraction
Type, score, applicant, trades, collections, inquiries, auto history — pulled into a structured payload.
Code Detection
R1, I1, M1, R2-R5, R7, R8, R9 — every rating mapped to a severity tier with a decoder tooltip.
Ratio Math
TDSR, GDS, PTI, revolving utilization, disposable income. Deterministic. Never hallucinated.
Lend Vision CIS Build
Six weighted pillars compose the Lend Vision Credit Intelligence score. Weights are dealership-configurable.
Finance Summary
Strengths, concerns, missing info, suggested structure, customer message, internal manager note.
Deal Simulator
Slide payment, down payment, income, co-signer. Watch the ratios — and the Lend Vision CIS preview — recalibrate live.
Consent captured · file encrypted at rest
Type
Equifax
Score
632
Applicant
ALEX MORENO
Open trades
7
Closed
4
Collection
1
Inquiries
6
Auto history
fair
R1
×3
I1
×1
M1
×0
R2
×1
R5
×1
R7
×0
R8
×0
R9
×1
Near-Prime / Structure Sensitive
Strengths
Established credit file. Prior auto history present. Disciplined recent inquiries.
Concerns
Revolving utilization at 73%. Recent inquiry pressure. 1 collection on file.
Suggested structure
Target $480 payment, $1,500 down. Consider mid-tier lender pool.
Internal note
Structure-sensitive applicant. Verify income, confirm rent. Co-signer may help.
TDSR
46.1%
Lend Vision CIS preview
62
Preview only — not a lender decision
A proprietary score that isn't a credit score.
The Lend Vision CIS is an internal dealership finance-readiness index — 0 to 100. It combines bureau behaviour, debt capacity, and deal context into one number your desk can act on. Customers never see it.
Bureau Strength
25%Score range · payment history · trade quality · file depth · auto history
Debt Capacity
20%TDSR · GDS · PTI · revolving utilization · disposable income
Credit Stability
20%Time at job · time at residence · inquiry pressure · recent delinquencies
Auto Finance Fit
15%Prior auto history · repossession indicators · trade equity · down payment
Risk Friction
10%Collections · bankruptcy · proposal · severe derogatory · public records
Rebuild Potential
10%Income · positive trades · manageable payment · down · co-signer · restraint
Compliance posture
A finance tool that respects the lender, the customer, and the law.
Lend Vision is decision-support, not a decision engine. Every output is written to preserve human judgement and protect the applicant.
Never says approved
The system uses 'likely', 'may', 'appears'. Lender judgement is preserved.
Internal only
Customers never see Lend Vision CIS, ratios, or summaries. Salespeople see simplified status.
Consent + audit
Applicant consent is captured. Every upload, view, edit, and export is logged.
Role-aware
10 roles. Finance Manager full access. BDC zero by default. Configurable per dealership.
The honest answers about what this tool will, and won't, do.
No. The system is decision-support only. It never says 'approved' or 'declined'. Language is always cautious — 'likely', 'may', 'appears', 'potential fit'. All final credit decisions remain with lenders and authorized finance personnel.