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Built for Real-World Lending

Every portfolio has its own story. GRACE meets yours where it is, then guides each account to the next best step across floorplan, mortgages, small business, and commercial asset finance.

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Floorplan Lending

Find dealers that merit short cures, compare those paths to enforcement, and act with confidence backed by clear, repeatable logic.

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Commercial Equipment

Bring collateral context into every decision so restructure and liquidation choices are made on results, not habit.

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Mortgages & Consumer

Weigh cure, modification, or enforcement with criteria your teams understand and can explain to stakeholders.

Portfolio Strategy

Move beyond one-off mitigations. Apply consistent playbooks that lift portfolio results and reduce noise.

"GRACE isn't a one-size-fits-all product: it's a decision engine tailored to your risk profile, collateral, and recovery goals."

Industry Deep Dives

The same decision scaffold adapts to each asset class. What changes are the inputs, the timing, and what a good outcome looks like.

Automotive Floorplan

We watch inventory aging, audit findings, and payment history. We act with short, structured cures when they outperform enforcement, and escalate when they do not. We measure recovery versus a repossession baseline and time to resolution.

Inventory agingAudit deltasTime to resolve
Automotive floorplan use case
Commercial equipment finance use case

Commercial Equipment Finance

We watch collateral condition, payment trajectory, and market context. We act with testable grace windows or structured modifications when they beat liquidation. We measure results against a liquidation baseline and track speed to finish.

Collateral conditionPayment pathMarket context

Mortgages & Consumer

We watch payment history, segment performance, and macro context. We act with cures or modifications when they outperform enforcement. We measure improvement versus enforcement and track redefaults.

Payment historySegment riskRedefault rate
Mortgage and consumer credit use case
Asset based lending use case

Asset Based Lending

We watch concentration, aging, audits, and covenants. We act with targeted adjustments or structured grace when it protects value. We measure portfolio lift versus baseline and reduce breach duration.

ConcentrationCovenantsBreach duration

Auto Finance (Retail)

We watch payment behavior and responsiveness to outreach. We act with short cure windows or clear escalations. We measure improvement versus enforcement and time to resolution.

Roll ratesEngagementResolution time
Auto finance retail use case
Commercial real estate use case

Commercial Real Estate

We watch income trends, coverage ratios, and local conditions. We act with extensions or modifications where they beat enforcement. We measure recovery against enforcement and time to close.

NOI trendCoverageMarket signal

Decision Workflows

A clear path from signal to outcome. Your policies become action steps that teams can follow, measure, and improve together.

1. Detect & Triage

Surface risk via rules and policy thresholds; monitor covenants; prioritize by exposure, severity, and reversibility.

2. Simulate & Compare

Run scenarios with collateral aware assumptions, fees, and timing to see which path protects value best.

3. Decide & Execute

Lock the decision, generate instructions, route tasks to servicing, and track completion SLAs.

4. Document & Audit

Capture rationale, constraints, and the policy version used so the record remains reproducible.

5. Learn & Optimize

Compare expected versus realized outcomes and promote changes through governance.

6. Scale

Apply approved playbooks consistently across teams, regions, and portfolio segments.

Integration & Deployment

A five step rollout that keeps work moving while value proves in place.

1
Ingest
Batch or API
2
Map
Essential fields
3
Pilot
Small team
4
Refine
Outcomes & tests
5
Scale
Dashboards & policy
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Start

Map the essential fields, establish a simple enforcement baseline, and stand up one policy for a common case. Run a short pilot with a small team while keeping your current workflow intact.

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Scale

Tighten criteria with real outcomes and scenario tests. Add dashboards, track policy versions, and expand automation where recommendations perform reliably across segments.

Compliance & Governance

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Decision Logs

Every recommendation is time stamped with inputs, constraints, and rationale so reviewers can see what happened and why.

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Policy Versioning

Policies carry explicit versions and sign offs so teams can reproduce prior states and verify standards.

visibility
Explainability

Recommendations are explainable by construction. Inputs and criteria are visible without black boxes.

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Governance

Changes move through review and approval. If needed, teams can roll back while updates are prepared.

Operational KPIs

Track performance using a consistent set of operational metrics.

Expected Value Delta
Gap between selected and recommended paths
Smaller gaps indicate better alignment to policy intent.
Time to Resolution
Cycle time by segment and policy
Shorter cycles reduce leakage and improve outcomes.
Tier Mobility
Movement across risk tiers over time
Shows whether actions are improving borrower trajectories.
Audit Completeness
Decisions with explainable, versioned rationale
Confidence for leadership, auditors, and regulators.

Case Examples

Floorplan: Grace on High Turn Units

A dealer shows stress after stocking too many slow movers, but late model units still turn quickly. GRACE recommends a short cure on the high turn inventory and holds on aged units. The dealer remits within the window, and enforcement costs are avoided.

Equipment: Early Surrender Beats Late Repo

A borrower with an at risk machine accepts an early voluntary surrender. Proceeds arrive faster, storage costs are minimized, and the outcome exceeds a late stage repossession baseline.

Mortgage: Trial Mod With Clear Guardrails

Income is stable and recent hardship is documented. GRACE recommends a short trial modification with payment and timing guardrails. Payments land on time, and enforcement is not pursued.

ABL: Borrowing Base Clean Up

Concentration and aging create a covenant breach. GRACE recommends targeted reserves and a plan to remove ineligible collateral. Breach duration falls and the line remains available.

CRE: Short Extension With Milestones

A property with temporary cash flow pressure receives a short extension tied to a leasing and expense plan. Cash coverage improves and enforcement is not required.

Ready to Deploy a Smarter Strategy?

See how GRACE can be integrated into your existing workflow to deliver immediate value.