Elevating YOUR Performance
From data to strategic insights
Onboard deals faster
than ever
AI helps turn loan tapes and deal documents into structured, searchable, decision-ready data.
- Document Intelligence: Extracts covenants, triggers, and key
terms from deal docs. - Data Ingestion Copilot: Maps, validates, and enriches deal data from multiple sources.
Grow your portfolio with
better signals
AI helps connect patterns across deals, flags performance anomalies, and spots risks earlier.
- Automated loan bidding based on risk/return and portfolio fit
- Cashflow forecasting across different scenarios
- Default & prepayment prediction using application and behavioural data.
Stronger risk and valuation analytics
AI helps enhance risk models to price new collateral, detect early risk, and set more robust deal constraints.
- Shadow valuation for emerging collateral
- Early risk signals using macro indicators and alternative data
- Covenant & limit recommendations from deal behavior and structure
Built for trust, explainability, and control
Industry-native AI, built for ABF
Unlike generic AI layers, Cardo AI is native to asset based finance. It operates directly on deal data, documents, and structures, and embeds AI into the workflows you already use.
For us, AI isn’t an add-on. It’s part of how our platform works. Every output is fully traceable, auditable, and configurable, so teams understand why a result was produced and remain in control of the decisions it informs.
OUR AI APPROACH
Experience the AI difference with us
Proprietary predictive
models
- Loan-level signals: default, prepayment, and delinquency risk, plus early-warning indicators and asset-level pricing
- Portfolio analytics: aggregation, correlations, P&L distributions, VaR-style views, optimization, and stress scenarios
- Market insight: clustering, market indicators, and spillover effects across sectors and regions
Data science,
as a service
When standard approaches fall short, our Data Science team builds models around your data and your objectives. We tailor the features, assumptions, and methodology to your assets and structure.
Scalable AI
infrastructure
Our AI runs on secure, scalable infrastructure designed for large data volumes, complex computations, and continuous monitoring.
CARDO AI METHODOLOGY
Our machine learning and
quantitative finance methods
Our machine learning and quantitative finance methods
PROBABILISTIC classification
survival analysis
time series forecasting
unsupervised machine learning
monte carlo simulation
stochastic processes