Case Study: American Cycle Finance boosts approvals and cuts bad rates with Scienaptic AI

Leveraging intelligent credit decisioning for subprime motorcycle loans

American Cycle Finance (ACF), a motorcycle lender specializing in credit-challenged borrowers, faced difficulties with its judgment-based underwriting process. They needed to more accurately identify creditworthy applicants within the subprime population, automate manual tasks, and expand credit access. To address this, they partnered with Scienaptic AI and its intelligent credit decisioning platform.

Scienaptic AI implemented a seamless, end-to-end automated decisioning system that integrated with ACF's infrastructure via a single API. The solution utilized alternative data sources to build a more complete picture of applicant risk. This approach allowed Scienaptic to pinpoint reliable borrowers others had overlooked, resulting in a 43% overall increase in approval rates, a 26% decrease in bad rates, and a 2X increase in approvals for one portfolio.

American Cycle Finance

Ben Donnarumma

President