Deal Desk
Explore our featured deals to see how our clients leverage
Cardo AI to navigate their most complex asset-based structures.
Category
Asset class: Consumer Loans (revolving Credit Lines for vehicle purposes)
Context: A US lender managing consumer loans (revolving credit lines for vehicle purposes) required a secure, interoperable platform to manage a Delayed Draw Term Loan with growth potential to 80,000+ assets and $150M in AUM.
Scale
32k assets
$40M outstanding at onboarding, supporting
Funding structure
Senior Delayed Draw Term Loan
Data flow
Weekly (daily enabled), BB-linked funding cadence
Connectivity
Snowflake + Parquet via Cardo’s Oxygen Platform
Live Cardo AI modules
Data Standardization, Validation & Transformation • Transaction Management • Waterfall Calculations • Cash Flow Simulation • Audit-ready reporting package •
Portfolio and loan-level drill-downs
Client voice
“Quick note from one principal to another to say that I am very excited to build my business on top of your platform. Throughout our recent POC, your team has been professional, thorough, and smart. You should be proud of them.”CEO and Chief Investment Officer, US Lender”
Asset Class: Consumer Loans
Context: A US lender managing consumer loans required a secure, interoperable platform to manage a Senior Tranche where the underlying portfolio is amortizing
Scale
10k assets
$54M outstanding at onboarding
Funding structure
Senior Tranche, underlying portfolio amortizing and not purchasing additional loans, expected to be fully repaid by the end of 2028.
Data flow
Monthly
Connectivity
Front End Data Upload
Live Cardo AI modules
Data Standardization, Validation, and Transformation • Transaction Management • Waterfall Calculations • Cash Flow Simulation • Audit-ready reporting package • Portfolio and loan-level drill-downs
Asset class: Credit Card Receivables
Context: A US lender managing credit card receivables required a secure, interoperable platform to manage a Senior Tranche with over 400,000 assets and $125M in AUM.
Scale
400K assets
$100M outstanding
Funding structure
Senior Tranche, advance rate applied to eligible receivables
Data flow
Daily. Up to two fundings per week based on request including BB calculations
Connectivity
SFTP
Live Cardo AI modules
Data Standardization, Validation, and Transformation • Transaction Management • Waterfall Calculations • Cash Flow Simulation
Asset class: Consumer Lease, Rental Purchase Agreement, Rent-to-Own Contract
Context: A US lender managing consumer lease, rental purchase agreement, rent-to-own contract required a secure, interoperable platform to manage a Senior Tranche with a variable advance rate
Scale
36k assets
$70M outstanding
Funding structure
Senior Tranche
Data flow
Weekly, Up to once per week based on request and BB calculations funding cadence
Connectivity
SFTP
Live Cardo AI modules
Data Standardization, Validation, and Transformation • Transaction Management • Waterfall Calculations • Cash Flow Simulation
Asset Class: Lease to Own – LTO
Context: A US lender managing lease to own contracts required a secure, interoperable platform to manage a Senior Secured Delayed Draw Term Loan with dynamic advance rate tied to Net Book Value (NBV) of Eligible LTO Receivables.
Scale
4k assets
27M outstanding
Funding Structure
Senior Secured Delayed Draw Term Loan
Data Flow
Daily, Up to 2x per week funding cadence
Connectivity
SFTP
Live Cardo AI Modules
Data Standardization, Validation, and Transformation • Transaction Management • Waterfall Calculations • Cash Flow Simulation • Direct Lending Engine
Asset Class: Consumer Loans – BNPL
Context: A US investment firm managing buy-no-pay-later loans required a secure, interoperable platform to manage a Term Loan structure with growth potential to 5 millions assets.
Scale
3.1M number of assets
$755M outstanding
Funding structure
Senior Secured Delayed Draw Term Loan
Data flow
Daily, Monthly funding cadence
Connectivity
SFTP
Live Cardo AI modules
Data Standardization, Validation, and Transformation • Transaction Management • Deal Monitoring • Custom Analytics
Case studies from our clients
Learn how our clients used Cardo AI to grow their business.