POWERING THE WORLD’S MOST SOPHISTICATED INVESTORS AND LENDERS
The operating system
for asset-based finance
Cardo AI replaces the spreadsheets, manual workflows, and disconnected tools slowing down ABF teams, with one platform that handles data, waterfalls, cash flows, and reporting across every structure you run.
What makes us different
End-to-end solution
From deal close to investor report on one platform. Your front and middle office share a single source of truth. No reconciliation, no version conflicts, no data gaps between teams.
Broadest coverage
15+ structure types, 30+ asset classes, 600+ automated controls. Whether you’re running warehouse facilities, ABS, or forward flows, it’s already built in.
Highest interoperability
Plugs into the tools you already use. Sync with your core systems and push analytics-ready data directly into Snowflake or Databricks, no professional services required.
Trusted by
Built for complex credit structures
Structure types
Private ABS • Public ABS • CLOs • ABCP
Warehouse Facilities • Seasoning Facilities • Credit Facilities
Forward Flows • Alternative Investment Funds • Whole Loan Sales
CRTs • SRTs • Risk Transfer Transactions
RPPs • RPAs
Asset classes
RMBS • Consumer Loans • Credit Cards • Student Loans • Auto Loans
CMBS • Trade Receivables • Leasing • Corporate Loans • SME Loans • Leveraged Loans
Subscription lines • NAV Financing
BNPL • Revenue-Based Finance • E-commerce Financing • Rent Tech Finance • Public Admin Receivables • Inventory Finance • Legal Claims
NPLs • UTPs • Opportunistic Credit
Hear from our clients
At Blackstone, we have seen firsthand the rapid growth in alternative credit. To keep pace, the industry must move beyond spreadsheets and adopt scalable technology. Our Credit & Insurance team has been impressed by Cardo AI’s ability to manage complex portfolios.
John Stecher
Chief Technology Officer
Blackstone
When we set out to find a software solution that could handle the complexity of our illiquid credit portfolios, we struggled to find one that met our high standards for efficiency, scalability, and risk management — until we found Cardo Al.
Susan Yung
SMD Investment Operations Blackstone
Consolidating our ABL activities onto a unified platform allows us to deliver faster responses with more flexible structures, while maintaining the transparency and audit-ready oversight that regulators and investors require.
Alain Nydegger
CEO of Wholesale Banking
Multitude Group
By combining do Value's expertise in credit management with Cardo Al's skills in developing financial artificial intelligence models, we can significantly improve asset quality and profitability in the banking system.
Manuela Franchi
CEO at doValue
Cardo Al helps us enhance our data processing capabilities, enabling the creation of advanced reports for securitization and other complex transactions. We are proud to have them as one of our partners.
Alberto De Maggi
Group COO and CEO
Master Gardant
Regulatory reporting is typically an obligation we would like to have outsourced to professionals, preventing risks of being non-compliant. Cardo Al's technology offers us the right value for money, making it easier for us to fully focus on our growth plans.
Jeroen Sonsma
CEO at Swishfund
Our partnership with Cardo AI represents a major step forward in the evolution of asset-based finance. By integrating technology-driven solutions into our investment and surveillance processes, we are accelerating transactions and enhancing overall market efficiency.
Geoff Beard
CEO and Chief Investment Officer at ELF
Recognized by top-tier industry bodies
