Underbot runs inside a live, multi-state auto lender right now — wired read-only into both the origination and servicing systems. The same integration already powers their monthly TruDecision export. The hard part is built and running.
Loan intelligence across the whole lifecycle
The toxic dealers, dying loans, and recoverable dollarsyour two systems are hiding from you.
Underbot fuses your loan origination and servicing systems into one live data layer — then turns it into action: which dealers are poisoning your book, which loans are about to die, which collector calls actually recover money, and which deals to fund in the first place.
Your LOS knows what you knew at the deal. Your LMS knows how the loan behaved. Underbot is the only place they finally meet.
Built for subprime and near-prime auto finance companies.
Free 10-deal teardown60-day Dealer X-Ray Pilotthe whole platform
In production with Tracir Financial Services, a multi-state auto lender
Live, read-only integration into your LOS and LMS — not batch extracts
Onboarding a limited number of lenders at a time
Why believe us before you spend a dime
The proof that counts is the proof on your own book.
Anyone can show you a logo wall and a testimonial you can't verify. We'd rather show you what your own data already knows — running on an integration that's live in production today.
No reference-customer hand-waving. Send ten anonymized deals and we show you what your data already knows — the good deals that walked, the losses hiding, the dealers to watch. You judge the proof, on your own numbers.
The join surfaces things like “this profile from one dealer charges off at 4× your book average” — a signal your LOS and LMS each hold half of and neither can show you alone. That’s not a chart; that’s a decision.
The problem
Every loan lives two lives in two systems that never talk.
Your origination system and your servicing system each hold half the story. Apart, they answer different questions. Together, they answer the one that costs you money.
The two never meet — so the pattern that screams this deal was always going to die stays invisible, until it surfaces months later in collections.
The platform
One live data layer for the whole loan lifecycle.
Underbot joins origination and servicing into a single, continuously updated source of truth — read-only into the systems you already run — and powers an app at every stage of the loan's life.
Underbot intelligence networkOne loan. One living record.
Live across the lifecycle
01Front door
Origination
Know the paper before you fund it.
Underwriting EngineDealer X-Ray
DecisionFund the right deals→
02Mid-life
Servicing
See the loans drifting toward loss.
Loss Radar
DecisionIntervene 60 days early→
03Back end
Collections
Put every collector-hour on the money.
Collections War Room
DecisionRecover more dollars→
Origination DNAApplication · dealer · structure
Underbot live joinUnified loan record
Read-onlyServicing behaviorPayments · rolls · recoveries
The apps
Four apps on one platform — and not one of them works without the join.
Each app turns the unified data into a dollar decision at a different point in the loan's life. No LOS-only or LMS-only vendor can copy them, because the join is the moat.
Front door · OriginationLive
Underwriting Engine
“Bring your best underwriter’s judgment to every deal.”
A deterministic, lender-owned scorecard with an advisory AI read — the same answer whoever is at the desk. And one click backtests the policy against every loan you’ve ever funded. Its new Auto-Structure layer turns the same policy into ranked counteroffers, now in design-partner deployment.
Runs on your policy and your own funded book, joined.
Fewer good deals walking, fewer bad deals funding.
Front door · SourceStart here
Dealer X-Ray
“Which dealers are poisoning your book.”
Traces every origination source to how its paper actually performed, headlined by an early-payment-default radar — the smoking gun for a toxic dealer or fraud.
Only the join links who sent the deal to how it died.
Tier, reprice, claw back, or cut bad sources.
Mid-life · ServicingLive
Loss Radar
“This loan is about to die — 60 days early.”
A daily, ranked watchlist of live loans drifting toward charge-off before they roll — reading servicing behavior against origination DNA, and handing you an intervention list, not a chart.
An LMS sees the missed payment after it lands; only the join sees the pattern coming.
Basis points of charge-off prevented; roll-rate down.
Back end · CollectionsLive
Collections War Room
“Aim every collector-hour at the recoverable dollars.”
Scores every delinquent account on recoverability, balance, and roll-risk, then hands each collector a ranked worklist with a suggested treatment — so calls go to the money, not to noise.
Recoverability needs origination equity fused with live collections history.
More recovered per collector-hour; net charge-off down.
The receipts
Re-underwrite every loan you've ever funded. One click.
The Underwriting Engine ships with a Policy Backtest: it replays your entire funded book — day-one data only, no hindsight — through your credit policy, then grades every call against how the loan actually performed. The loss dollars your tiers would have caught. The winners you'd have kept. The declines that would have made you money.
Your whole book, in about a minuteGraded in dollars, not default flagsEvery number opens to real deals
Most vendors ask you to trust the model. We built the button that makes it testify.
How the backtest works — the no-hindsight rules, the survival math, and the drill-down →
How you buy
Your first purchase is one thing: the 60-day Dealer X-Ray Pilot.
Four apps is the destination, not the decision. The decision is one pilot — fixed scope, fixed fee, on your own book — and the rest of the platform is the expansion it has to earn.
- Rung one · FreeScore your last 10 deals
The teardown — ten anonymized files on our template, under NDA, plus a findings memo — there's a sample further down this page — and a 30-minute walkthrough. No integration, no committee, no invoice.
- The first purchaseRung two · 60 daysThe Dealer X-Ray Pilot
We stand up your live LOS + LMS join and run your full book through the early-payment-default radar — every origination source scored on how its paper performed, with a day-60 readout and a keep-or-walk number. If the teardown shows your leak is deals dying unworked at the desk instead of sourcing, the Structure Leakage Audit on the Auto-Structure page is this same rung, origination side.
- Rung three · From thereExpand across the lifecycle
Loss Radar, the Collections War Room, the Underwriting Engine — each added on the join your pilot already built and proved on your paper. No new integration, no new build fee.
Inside the pilot
Sixty days on your full book. Here's what comes back.
- Your live, read-only LOS + LMS join, stood up on your own systems — the same plumbing the whole platform runs on
- Every origination source scored on how its paper actually performed
- The early-payment-default radar — the smoking gun for toxic dealers and fraud
- A weekly findings memo in plain lender English: tier, reprice, claw back, or cut
- A day-60 readout with the number either way — keep going or walk away
The full Dealer X-Ray page — the EPD math, a sample scorecard, and the pilot in detail →
Why only Underbot
Your LOS vendor can't build this.
Neither can your LMS vendor.
It isn't a feature they haven't shipped. It's data they'll never hold. Your LOS vendor's world ends at funding; your LMS vendor's begins there. Only Underbot sits inside both systems at once. So the next time anyone pitches you analytics, ask three questions. Ask us too.
An LOS can bolt on outcome fields; it will never hold the servicing file. An LMS can’t backfill the application it never saw. The signal that matters — this dealer’s paper charges off at four times book — exists only in the join. That’s architecture, not roadmap.
The join nobody else hasIf the answer is a monthly file, the model grades last month’s book — a loan can roll 30-to-60 while the extract sits in an outbox. Underbot reads both systems continuously, read-only, and your data stays yours. Your export is an on-ramp, never the ceiling.
Live, not batchIf the answer is “log in and explore,” you bought a chart. Every Underbot app ends in a worklist with names and numbers on it: cut this dealer, call these 40 accounts first, restructure this deal before it rolls.
Action, not dashboardsTake these three questions into your next vendor meeting. If a vendor answers yes to all three, hire them. Only Underbot can, because only Underbot reads your LOS and your LMS at the same time.
Your stack
Your LOS and LMS don't have to be on anyone's list.
Underbot connects through whatever your systems already offer — an API, read-only database access, or the export you already produce. Here's where that's been proven, and why the list is the least interesting part.
- LOSFuseLive in production today
- LMSEmotiveLive in production today
- LOSLauncherProduction integration
- LMSShawProduction integration
- LOSdefiHands-on team experience
Most common
Your system has an APIMost modern LOS and LMS platforms expose a reporting or data API. We consume it read-only, on a cadence your ops team approves — no writes, ever.
Gold standard
Or read-only database accessA reporting replica or read-only credential is the gold standard: a live join with zero load on production and zero write risk. It’s how the layer runs at a live lender right now.
Fastest start
Or just the export you already produceThe extract you already send a scoring vendor or auditor is enough to start. If your system can save a CSV, it can feed Underbot — no IT project, nobody’s roadmap moves.
Don't see your system above? That's the point — the chips are where we've been, not where we can go. If it can hand us your data, we can join it.
Build vs. buy
The demo is a weekend. The operating system is not.
Your analyst is right: the SQL join is the easy 20 percent. The decision is whether your team should spend the next two quarters owning the other 80 — every night, forever.
The production gapWhat has to happen before 8 a.m.
Morning run readyWeekend prototype20%
Useful proof. It shows the signal exists.
Run once · One snapshotProduction system80%
01
Identity resolution
Prototype
Make one loan stay one loan.Join the two systems on account number.
- Resolve mismatched borrower IDs
- Normalize dealer aliases and spellings
- Disambiguate co-buyers and refinances
Right every night — because one bad link becomes a wrong risk call.
02
Daily scoring
Prototype
Keep the whole live book current.Score last month’s snapshot.
- Read both systems every night
- Re-score every active loan
- Absorb vendor schema changes
A report is a project. A daily production system is a job someone owns.
03
Treatment logic
Prototype
Turn a score into Tuesday’s action.Put a risk-score column on a report.
- Dealer cut criteria
- Deal-restructure rules
- Collector capacity limits
The 0.73 is where the decision starts — not where it ends.
04
Worklist delivery
Prototype
Put the next best action in the queue.Build a dashboard with filters.
- Ranked worklists by 8 a.m.
- Deduped against yesterday
- Tracked all the way to outcome
Dashboards get admired. Worklists get worked.
Executive decision
Where should your best data person compound?
On lender-specific advantage — or on keeping loan-data plumbing alive at 2 a.m.?
Build internallyMonths to value
- First value
- About two quarters
- Ongoing owner
- Your best data person
- Maintenance
- Care and feeding for life
The system retires the day its owner does.
Run UnderbotDays to value
- First value
- Days, not a quarter
- Ongoing owner
- The pipeline is our job
- Starting point
- Already live at a multi-state lender
Your analyst gets the join — and their weekends.
2 → 1your LOS + LMS as one record
60 daysthe head start Loss Radar is built to give
Daysto first value — not a quarter
Read-onlywe never touch your system of record
Built for the whole shop
One platform the entire credit operation logs into.
The same unified data answers a different question for every seat — from the owner's P&L to the collector's next call.
President / Owner
“Where is the book bleeding?”
See the whole book as one truth — and cut the dealers and loans quietly bleeding you, with the numbers to back every call.
Answered by Dealer X-Ray
Risk / Portfolio
“Which loans roll next month?”
Catch rolls before they happen and carry one risk vocabulary from origination all the way through collections.
Answered by Loss Radar
Collections Lead
“Who do we call first today?”
Point finite collector-hours at the accounts that actually recover — and stop dialing the ones that are fine or already gone.
Answered by Collections War Room
Underwriting Manager
“Would my best underwriter buy this deal?”
One consistent, explainable standard at the front door, so the gap between your best and newest underwriter stops being a line on your P&L.
Answered by Underwriting Engine
Straight answers
The questions a careful lender actually asks.
Do we have to rip out our LOS or LMS?
No. Underbot reads from both, read-only, and sits beside them. Nothing in your core systems changes — we add an intelligence layer on top, we don't replace what you run on.
We're on defi, Nortridge, Megasys, LoanPro — will this even work?
Almost certainly, yes. Underbot needs exactly one of three things from each system: an API, read-only database access, or the export you already produce. Our team has shipped production integrations across two full LOS + LMS stacks — Fuse and Launcher on the origination side, Emotive and Shaw on servicing — and brings hands-on defi integration experience. If your system can hand us your data, we can join it. See the integration track record.
What do we actually buy first, and what does it cost?
One thing: the 60-day Dealer X-Ray Pilot. Fixed scope, one fixed fee that includes all integration work — quoted at your free teardown readout and credited 100% toward your first year on the platform if you continue. There is no separate implementation charge hiding behind it. Nobody buys four apps on day one; the rest of the platform is the expansion the pilot earns. The whole ladder is in How you buy, above. See the full Dealer X-Ray page.
Our compliance officer will say no to sending you loan files.
Good — ours would say the same. That's why nothing moves on day one. A mutual NDA gets signed first, the anonymization template is about 15 fields with zero PII, and your team strips identifiers in-house before anything leaves your building. We take the export your LOS already produces. And if even that's a fight, the sample teardown is right on this page — the full deliverable on synthetic data, none of your rows. See the sample teardown.
Couldn't our analyst or data warehouse team build this?
The demo, absolutely. The product is the hard part. The join query is a weekend. Identity resolution without shared keys, nightly re-scoring, treatment rules, and worklist delivery are a production system someone maintains forever — months of your best data person before it prevents a single loss. Underbot is days to live, already running at a lender. The full anatomy is in Build vs. buy, above.
We already have a credit / decisioning vendor.
Keep them if you like. The Underwriting Engine is just one app on the platform. Dealer risk, loss radar, and collections all work regardless of who scores your credit — because they run on the join, not on the score.
Is our data safe?
Read-only is the floor, not the whole answer. Underbot never writes to your systems of record. Your data is encrypted in transit and at rest, handled as NPI under GLBA, and never used to train AI models — ours or anyone else's. A DPA is available on request. Read the full security overview
Subprime is getting hammered. Why now?
That's exactly why. Subprime auto 60+ day delinquencies set a three-decade record in early 2026 — 6.9%, per Fitch. In a cycle like this, the money is in catching toxic dealers, dying loans, and recoverable accounts early. That is the entire platform — built for this moment.
How fast can we see value?
Days, not a quarter. The easiest first taste needs zero integration: score your last 10 deals. The deeper apps run on a data feed you already produce, so there's no big IT project to get started.
Our promise
We carry the risk, so you don't have to.
You shouldn't have to bet on an outcome to find out whether this works. So the risk sits with us at every step — before you start, while we build, and after you're live.
- Before you startThe teardown is worth your time — or we say so
Send ten deals — on our anonymization template, under NDA. If we can’t show you at least one thing about your own book you didn’t already know — a deal you’d re-decide, a dealer worth a second look, a recoverable account — we’ll tell you straight and you walk. No pitch, no pressure.
- During your pilotYou watch it work before the build is final
The pilot isn’t paid on a promise. We stand up your unified record on your own data and you see it run first — the integration is the exact part we’ve already shipped at a live lender, so it’s the part we’re surest of.
- After you’re liveIt surfaces something that matters — or we keep going
If Underbot hasn’t surfaced a toxic source or a preventable-loss pattern worth acting on in your first 90 days live, we keep working at no added cost until it does. We’re not finished until the platform has earned its seat.
The cost of waiting
Doing nothing has a run rate.
Every dollar you spend gets scrutinized. The decision to wait never does — it just quietly bills you. Subprime 60+ day delinquencies hit 6.9% in January 2026, the worst in over three decades per Fitch, and the paper you already hold doesn't pause while a vendor decision sits in committee. Put your own numbers on “later.”
Every month of “later” bills you
$21,250/mo
in preventable charge-offs at your own numbers — and a loss that lands doesn't come back when you finally sign.
One quarter of “let’s revisit”$63,750
Six months of “circling back”$127,500
A full budget cycle of “someday”$255,000
This counts one lever only — the losses Loss Radar catches early. Toxic-dealer cuts and recovered collections dollars stack on top.
Illustrative only. What your book actually holds is exactly what the free deal review shows you.
Start on your own book
Start where it's easiest. Score your last 10 deals.
Send a handful of anonymized files and we'll show what your data already knows. It's the front door to the whole platform, and it costs you nothing but ten files. Here's exactly what you get back:
- Your last 10 deals re-scored on one consistent standard
- A dealer-toxicity read on those same originations
- A plain-English findings memo — the good deals that walked, the losses hiding
- A 30-minute walkthrough call with our team
That teardown is rung one of the ladder. If it earns a second look, your first purchase is the 60-day Dealer X-Ray Pilot — scoped and priced at the readout, before you commit a dollar.
This is the worst subprime delinquency cycle in three decades — and every month of “later” is toxic paper funding and recoverable accounts rolling. The cheapest time to see it was last quarter. The next cheapest is today.
No integration to startRead-only when you connectWhole-lifecycle platformYou keep every decision