In the complex ecosystem of OEMs and their dealer networks, credit underwriting isn’t just about assessing risk—it’s about enabling growth. Traditional underwriting methods often create friction:
Slow funding decisions delay dealer inventory purchases
Manual processes lead to inconsistent risk assessments
Lack of real-time data obscures emerging financial stress
At pOrbis, we specialize in next-generation credit underwriting solutions that balance risk management with business acceleration—helping OEMs and lenders approve more good deals with confidence.
The OEM & Dealer Underwriting Challenge
OEMs and their financing partners face unique pressures:
1. Need to support dealer growth while protecting capital
2. Require standardization across diverse markets
3. Must adapt quickly to changing economic conditions
Our solution? An integrated underwriting platform built specifically for OEM-dealer financing.
pOrbis Credit Underwriting Suite: Key Components
1. Dealer Financial Health Analytics
-
Automated financial statement analysis (P&L, balance sheet, cash flow)
-
Custom scoring models for different dealer tiers and regions
-
Benchmarking against peer performance
Example: Flag dealers with deteriorating liquidity before they miss payments
2. AI-Powered Risk Decisioning
-
Predictive risk scoring (incorporating macro trends, dealer history)
-
Automated policy enforcement (minimum thresholds, covenant checks)
-
Exception management with audit trails
*Example: Auto-approve strong applicants while routing marginal cases for review*
3. Digital Document Hub
-
Centralized storage for all dealer financials, tax docs, and UCC filings
-
Smart OCR extracts key data points automatically
-
Version control ensures underwriters always use current documents
Example: Reduce document collection time from days to hours
4. Portfolio Risk Monitoring
-
Heat maps showing geographic risk concentrations
-
Early warning system for dealers approaching risk limits
-
Stress testing for economic downturn scenarios
Example: Proactively adjust credit lines before seasonal cash crunches
Why OEMs Choose pOrbis
| Traditional Underwriting | pOrbis Solution |
|---|---|
| Weeks-long approval cycles | Decisions in days (or hours) |
| Static risk assessments | Dynamic, AI-updated scores |
| Paper-based processes | Fully digital workflow |
| Reactive risk management | Proactive portfolio monitoring |
Tangible Benefits:
✔ Increase approval speed by 60-80%
✔ Reduce credit losses through smarter risk detection
✔ Strengthen dealer relationships with transparent processes
Implementation Spotlight: Global Construction Equipment OEM
Challenge:
-
Inconsistent underwriting across 12 countries
-
45-day average time to fund new dealers
-
Rising delinquencies in emerging markets
pOrbis Solution:
-
Standardized digital underwriting platform
-
Localized risk models for each market
-
Automated dealer onboarding workflows
Results in 9 Months:
Unified process across all regions
22-day reduction in funding timeline
18% decrease in 90-day delinquencies
The Future of OEM Credit Underwriting
The most successful OEMs will leverage:
🔹 Real-time data integration with dealer management systems
🔹 Machine learning that improves with every decision
🔹 Collaborative portals where dealers track application status
pOrbis is pioneering this future today.
Ready to Transform Your Dealer Financing Program?
📅 Schedule a Consultation | 🌐 www.porbis.com
gwendpots
dinagjohnson1
petterparker