Karus enables institutions to offer competitive funding on retail auto purchases and refinancings. Through our extensive dealer network, auto borrowers are sourced and scored using Karus’ proprietary machine-learning decisioning tool. Our models, which have been trained on millions of borrowers and vehicles, open up financing opportunities for subprime and near-prime cohorts that have traditionally been disqualified by credit agencies. For the first time, Karus powered institutions are able to participate in a newly democratized lending ecosystem that offers unparalleled opportunities for risk-adjusted returns while also benefiting dealers and end borrowers.