# AutoFabric

> The vehicle finance lifecycle, run by agents that have to ask permission and leave a record.

Domain: Automotive finance
For: Auto lenders, dealer groups, credit unions and captive finance companies
Product site: https://autofabric.pro
Databricks surfaces: Unity Catalog, Mosaic AI, Databricks Apps, Temporal
Canonical: https://www.techfabric.com/products/autofabric

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Proof of income, proof of insurance, a signature on the right page. Somebody chases each one by phone and email while the file sits at ninety percent for four days, and the applicant takes an approval somewhere else in the meantime.

## Give the file to an agent, keep the decision with a person.

The goal was never an unattended loan factory. It is that the work nobody should be doing by hand stops being done by hand, and that the judgement calls reach a person already assembled, with the rule that applies and the evidence behind it attached.

### Product workflow

#### Take the application

Credit pulled, VIN decoded and the vehicle valued as the application arrives, so the file is already complete when somebody opens it.

#### Work the stipulations

Documents requested, received, read and matched against what the lender actually asked for. The applicant hears from the process on the day and not the following week.

#### Structure and submit

Deal structures built against live lender programs and submitted through DealerTrack or RouteOne, with the disclosure checks already run against them.

#### Hand over the decision

Where policy reserves a call for a person, the file arrives carrying the reason, the rule and the record, so the call takes minutes.


### What changes for the team

#### Days come out of the cycle

The time a file spends waiting on a document is the time an applicant spends shopping the rate somewhere else.

#### Controls that run before the fact

A check able to refuse an action is worth more than a report describing one after it funded.

#### An answer ready for the examiner

Lineage is produced by running the process, so a request for a file from last March is a query and not a project.


## What is in it

- Origination agent
- Refinance agent
- Repossession agent
- Remarketing and auction agent
- Transport and relocation agent
- Claims and insurance agent
- Policy governance on Open Policy Agent
- Compliance engine for TILA, ECOA and FCRA
- Credit bureau, VIN decode and valuation integration
- Decision lineage