CoSign Platform
The underwriting stack your portfolio has never had.
CoSign is a unified intelligence layer for equipment finance. It ingests auction data, telematics feeds, broker packages, and financial statements, then runs specialized AI agents that extract, verify, score, and price — producing same-day decisions on deals that used to take a week. Every output traces back to the data that produced it.
Three capabilities. One platform. Full traceability from document to decision.
System architecture
Documents in. Decisions out. Everything in between is auditable.
CoSign orchestrates three engines across a shared collateral intelligence graph. Each engine reads from the same graph, so a residual curve informs the underwriting model, and a pre-underwriting flag routes directly to the right analyst.
Data Sources
Broker packages, financials, auction records, telematics, OEM bulletins
Ingest
Normalize into the collateral intelligence graph
Prewrite
Extract serial numbers, specs, hours, deal terms. Flag missing docs.
Underwrite
Composite risk score: credit + collateral + deal structure. PD with timing.
Residue
12/24/36-month forward curves. Config-level marks. Portfolio monitoring.
Decision
Indicative terms on flow deals. Scored workspaces. Full audit trail.
How it works
Documents in. Decisions out. Everything in between is auditable.
CoSign orchestrates three engines across a shared collateral intelligence graph. Raw inputs normalize into structured asset and borrower profiles. Each engine reads from the same graph.
Ingest
Multimodal data ingestion
Broker packages, financial statements, auction records, telematics feeds, OEM bulletins. Structured and unstructured. All normalized into the collateral intelligence graph.
Extract
Document intelligence
AI agents extract serial numbers, specs, hours, and deal terms from multimodal documents. Mandatory checklists auto-enforce. Missing items flag before a human touches the file.
Score
Composite risk scoring
Credit, collateral, and deal structure scored together by product type. Probability of default with timing prediction. Conformal prediction intervals on every output.
Price
Forward residual curves
Configuration-level valuations updated daily. 12, 24, and 36-month forward curves with confidence bands. Portfolio monitoring that catches deterioration before it becomes a loss.
Decide
Decision output
Indicative terms on flow deals. Scored workspaces on structured deals. Every score decomposes into the factors that produced it. Examiners see the reasoning.
Powered by CoSign
Three engines. One intelligence graph.
Prewrite
01Read the package before your analyst does.
AI agents extract, verify, and flag — serial numbers, specs, hours, deal terms, missing documents. The analyst opens a pre-checked file, not a raw PDF stack.
Underwrite
02The spread comes from the data. The judgment comes from you.
Composite risk scores weight credit, collateral, and deal structure by product type. Probability of default with timing. Every score traces to its inputs.
Residue
03Know what the asset is worth. Today. Next year. At return.
Configuration-level valuations with forward curves and confidence bands. Daily marks where the industry gets quarterly snapshots. Portfolio monitoring that catches deterioration early.
Send us a deal. We will run it through the platform.
See Prewrite, Underwrite, and Residue working on your own data. No integration required.