Kin Analytics

AI can build you a basic application intake tool in minutes. ⚡ We'll prove it live.

But here's what it can't do in minutes:
- Understand your credit policy.
- Know your exception handling.
- Map to the data schema your scoring model is built around.
- Account for how your underwriters actually work.

The technology part of intake automation is now the easiest part of the job.
Anyone can build a prototype. The hard part — and the part that actually protects your portfolio — is understanding the risk process well enough to build the right thing.

That's the conversation we're having on May 06.
Patricio, our CPO. First half is industry perspective on originations. Second half we build the tool live to make the point.

Link: https://bit.ly/4cA7kxW

The past month raised questions your portfolio may not be able to answer yet.

Oil prices moved sharply. Carrier margins came under pressure. Whether that translates into defaults depends on how things continue to unfold — but based on historical patterns, if it does, it typically shows up in delinquency data 6 to 18 months later, not today.

Moments like this one are worth understanding before the data catches up.
We put together a Risk Intelligence Brief breaking down how oil price volatility restructures credit risk by fleet size and contract structure, and what you can do before the numbers tell the story.

Read the full report: https://hubs.ly/Q04cC8XN0

The Strait of Hormuz reopened today. Crude prices will likely ease, but weeks of elevated costs have already worked their way into carrier margins. That damage doesn't unwind when a strait reopens. Based on historical patterns, if defaults follow, they typically show up in delinquency data 6 to 18 months after the spike, not the day prices ease. Not every shock plays out the same way, but the risk is real enough to understand your exposure now.

The gap between what may have happened to your borrowers over the past few weeks and what shows up in your book later, that's your window.

We put together a Risk Intelligence Brief that breaks down what this means for equipment finance lenders: how diesel price restructures credit risk by fleet size and contract structure, what DSCR looks like for spot-market operators versus contracted fleets under stress, and four things you can act on before the data catches up.

Read the full report: https://hubs.ly/Q04cC8XN0