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    Equipment Financing Company

    Accelerating Growth Through Acquisition with AI-Powered Due Diligence

    The largest third-party originating independent equipment financing company in the US removed their acquisition bottleneck, processing 9,000 contracts in hours with >99% accuracy.

    Equipment Financing Company

    Accelerating Growth Through Acquisition with AI-Powered Due Diligence

    Industry:

    Equipment Financing

    Company Profile:

    Largest third-party originating independent equipment financing company in the United States | $3B Assets Under Management

    Engagement Type:

    Strategic Assessment → Implementation → Ongoing AI Partnership

    This wasn't about implementing AI for the sake of innovation—it was about removing the specific barrier preventing the company from executing their growth strategy. By transforming due diligence from a bottleneck into a capability, we enabled a business transformation.

    The Acquisition Bottleneck

    The company had an aggressive growth vision: scale from $3B to $5B in assets under management while simultaneously reducing operating expenses from 3% to 2%. Their path was clear—growth through acquisition—but a critical constraint stood in the way.

    The Constraint:

    Portfolio acquisitions ranged from 50 to several thousand contracts, with each contract containing approximately 100 critical data points. At 1 hour per contract to extract 100 data points, reviewing 9,000 contracts would require 9,000 hours—over 4 person-years of work. Without the capacity to comprehensively review portfolios, they faced an impossible choice: sample and extrapolate (70-80% accuracy rate), conduct manual review at impossible scale, or accept the risk of blind acquisition. This due diligence bottleneck was the primary barrier to their $3B to $5B growth strategy.

    Transform Portfolio Due Diligence into a Competitive Advantage

    We didn't start with the technology—we started with their strategic vision. The question wasn't 'Where can we use AI?' but rather 'What's blocking your path from $3B to $5B, and how do we remove it?' We conducted a comprehensive proof of concept using a subset of their existing portfolio, benchmarking our AI extraction against their manual process.

    Implementation:

    • 1Proof of Concept: Validated that AI extraction achieved >99% accuracy rate vs. 70-80% with manual sampling
    • 2Implementation (1 Month): Built Contract Intelligence Agent that extracts 100+ critical data points from each contract
    • 3Real-World Application: Processed 9,000-contract portfolio in hours—work that would have taken over 4 person-years manually

    Business Outcomes

    Transformation
    • • Speed: 9,000 contracts processed in hours (vs. 9,000+ hours manually)
    • • Accuracy: >99% vs. 70-80% with sampling
    • • Coverage: 100% of contracts reviewed vs. small sample extrapolation
    • • Comprehensive visibility into portfolio composition and risk factors before acquisition
    Strategic Impact
    • • Removed the primary bottleneck blocking their acquisition acceleration strategy
    • • Transformed portfolio due diligence from a risk-acceptance exercise into a data-driven decision process
    • • Created a competitive advantage: ability to evaluate and close on acquisitions faster than competitors
    • • Enabled the company to pursue their $3B to $5B growth plan while reducing OpEx from 3% to 2%
    Business Impact
    • • Data-driven insights for valuation and negotiation
    • • Clear, de-risked path from $3B to $5B in assets under management
    • • Ability to evaluate any portfolio, of any size, with complete confidence
    • • Foundation laid for next phase: Data Pipeline Intelligence to unlock strategic insights

    Key Metrics

    Before70-80% accuracy with manual sampling, 9,000+ hours for full review
    After>99% accuracy, hours to complete
    Improvement4+ person-years of work → hours

    Why This Worked

    This wasn't about implementing AI for the sake of innovation—it was about removing the specific barrier preventing the company from executing their growth strategy. By transforming due diligence from a bottleneck into a capability, we didn't just build a tool; we enabled a business transformation. The result: A clear, de-risked path from $3B to $5B in assets under management—powered by the ability to evaluate any portfolio, of any size, with complete confidence.

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