LendRisk Analytics · Analytical infrastructure

Analytical infrastructure
for the subprime community.

LendRisk Analytics brings analytical infrastructure to subprime auto. Nine instruments that read a book the way a warehouse bank reads it: vintage loss curves, dealer attribution, covenant runway, cash recovery, and collateral economics. The same methods we run on live portfolios, laid out here so you can put them against your own numbers.

Portfolio Dashboard · Upload a tape · New
Portfolio Analyzer & Cohort Dashboard
Drop a loan-level CSV and get static-pool vintage loss curves, delinquency aging, dealer-by-vintage attribution, and concentration, entirely in your browser. Compare any two origination quarters side by side. Q1 2023 vs Q1 2024. See if newer paper is losing faster than seasoned paper did at the same point.
Open the dashboard →
Auto-detects columns Cohort comparison Dealer attribution CSV export
  • Static-pool loss curves by origination vintage
  • 30 / 60 / 90+ DPD aging from origination date
  • Dealer × vintage attribution, which dealer blew out which cohort
  • Concentration (HHI), FICO, LTV, term, vehicle age breakdowns
  • Loan-level CSV export of the filtered view
  • Demo tape loads instantly, no file required to explore
Your tape never leaves this browser · Nothing transmitted · Refresh to wipe
Loss driver intelligence · Direct lenders · New
Segments Driving Loss
Built for lenders who lend direct to borrowers, no dealers to blame. Scans every segment (credit band, vehicle type, vehicle age, mileage, LTV, term, affordability, geography down to ZIP subprime tier), ranks them by how much of your total loss they carry, and flags the cross-cut combinations the aggregate hides, like deep-subprime credit on 84-month paper, or 13-year-old luxury collateral.
Open loss-driver intelligence →
Credit · Vehicle · Term ZIP subprime tier Cross-cut combos Default freq + LGD
  • Ranks segments by share of total net loss vs book average
  • Default frequency (PD) and loss severity (LGD) per segment
  • Worst combinations, two-dimension intersections that hide in the aggregate
  • Small-multiple charts across nine risk dimensions at once
  • Tells direct lenders which credit-box change stops the bleed
For indirect lenders, the dealer dashboard is the right tool · Same engine, dealer axis
Cash flow · Loan tape · New
Cash Clock
Every car you finance has your own cash buried in it, around $6,100 a unit by NIADA benchmarks. This reads your tape and shows the day each deal gives that cash back, which deals never will, and how much of your money is trapped right now in accounts that went quiet. That's the money that buys your next cars.
Open the cash clock →
Auto-detects columns Days to cash back Trapped capital Never-back list
  • Median time for a deal to return the cash you put in it
  • The month-you-wrote-it view: which cohorts are still holding your money
  • Store-by-store clock, same dollar, very different speeds
  • Deals that ended before they ever paid you back, ranked by cash lost
  • Expected cash over the next 90 days at the book's current pay pace
Your tape never leaves this browser · Nothing transmitted · Refresh to wipe
Portfolio & covenants
Covenant · Breach projector
Covenant Breach Projector
Current metrics plus monthly rate of change. Returns the exact month each warehouse trigger breaks and the runway headline number. The slope a CFO reads as "fine" turns into a month-6 cash sweep in 30 seconds.
Run projector →
Portfolio · Risk calculator
Portfolio Risk Calculator
Three inputs, loss rate, severe lates, weighted FICO, scored 0 to 100 against warehouse covenant bands. A composite read on where you stand, in plain English.
Run calculator →
Recovery · State law map
State Recovery Law Map
Self-help repo rights, right-to-cure notice periods, deficiency judgment availability, and wage garnishment across all 50 states. The four levers that decide how much of a defaulted loan you actually recover.
Open the map →
Dealer network
Network · Dealer scorecard
Dealer Scorecard
Rank every dealer in your network by loss rate, severe lates, EPD, and composite health score. See which relationships are driving your deterioration, by name, and what to do about each one.
Open scorecard →
Deal-level underwriting
Underwriting · Deal level
Deal Underwriter
Full deal economics in under a second. Probability of default, loss given default, expected loss, ROA, with the specific term or rate adjustment that brings a marginal deal above your target return. Fund, counter, or decline with the math attached.
Underwrite a deal →
Collateral · Term matcher
Vehicle to Term Matcher
Stop putting 10-year-old cars on 72-month loans. Match loan term to vehicle reliability, see exactly when the collateral depreciates past the loan balance, and the recommended max term that keeps the borrower out of the death spiral.
Match term to vehicle →
Working a live book
The instruments are the method. The work is the read.

Everything above runs on sample and synthetic data, so you can see exactly how each read is built before you trust it. On a live book it goes further: your own loan tape, under NDA, with the findings written up and walked through with you. That is the part operators and their funders actually put to work.

Book 30 minutes→ Send a note→
Independent analysis, at the portfolio level, after origination. Not affiliated with, sponsored by, or representing any current or former employer.