Activix 
AutoTrader 
Black Book 
CarGurus 
Equifax 
TransUnion 
Reach qualified buyers
before they hit F&I.
AVA® dealerships have generated 350K+ credit-qualified leads, classified as Prime, Subprime, Newcomer or Negative Equity at the moment of the pull. Match your loan products to the right borrower when they raise their hand, not after F&I submits to four other lenders.
By the time the deal hits F&I, you're already competing on rate.
A buyer fills out a credit app at the dealership. F&I submits to four lenders simultaneously. The fastest approval at the lowest rate wins. You're not differentiating on relationship, segment expertise, or product fit, just speed and price. The deal you should have won goes to whoever was 30 seconds faster.
Rate races kill margin
F&I submits to four lenders at once. You lower your rate to win. Margin compresses. Repeat.
You see the wrong borrowers
F&I submits everyone. You see a flood of applications, most outside your sweet spot. Your underwriters waste time declining.
You can't pre-position
You learn about the buyer when F&I submits. By then, the dealer has already pitched a payment built around a competitor's rate.
See the borrower the moment they soft-pull. Not after F&I submits.
When a buyer completes an AVA® soft-pull credit qualification, through a dealer's website, a QR code in the showroom, or VeriDrive at the desk, AVA® classifies them by buyer type and matches them to lender products that fit. As an AVA® Lender Partner, you get first-look access to the buyer segments you specialize in, before F&I assembles a competing-lender stack.
Built for lender underwriting teams.
Pre-funnel access, segment matching, and a compliance package that fits your workflow.
Pre-Funnel Buyer Access
See credit-qualified buyers when they soft-pull, not when F&I submits. Hours or days earlier.
Position your loan product before competitors are even in the conversation.
Segment Matching
AVA® classifies every buyer as Prime, Subprime, Newcomer or Negative Equity at the moment of the pull, and flags the negative-equity gap as an amount. You receive only the segments your products fit.
Stop wasting underwriter time declining buyers outside your sweet spot. Get only buyers you actually want.
Intent Signals
Beyond the score: trade lines, payment history, debt utilization, current obligations, buying power, and verified trade equity with lien holder and balance owing from Canadian Black Book.
Underwrite faster and price more accurately. The buyer signal is richer than a bureau pull alone.
Lender-Ready IDV Reports
Government ID scan with data extraction, a selfie-to-ID biometric match with confidence score, and a timestamped record of every verification step. One document, generated the moment verification completes.
Skip ID due diligence. The package shows up complete.
Approvals matched to real stock
MatchBook cross-references your approval criteria against the dealer's live inventory and returns the units that actually pencil, ranked by profitability.
Negative-equity deals get structured instead of shelved, so more of your approvals turn into funded contracts.
Surface risk before funding
High-risk fraud alerts, ID mismatches and consumer warnings surface at intake, not at funding.
The deals that reach you have already been screened.
Geography Filters
Filter by province or state, urban/rural, and dealer licence type.
No leads outside your lending footprint. No wasted spend.
From intro call to live integration in 60 days
A clear path from product mapping to matched-buyer delivery.
Buyer segment mix — AVA® dealer cohort, Q1 2026
350K+ credit-qualified buyers per year, annualized, segmented by buyer type.
Segment percentages are estimates based on the AVA® Q1 2026 dealer cohort. Confirm actual distribution with your partner BD before relying on these for underwriting projections.
Built for lender underwriting teams
Everything you need from first matched buyer to ongoing optimization.
See buyers at soft-pull, not at F&I submission.
Prime, Subprime, Newcomer, Negative Equity, auto-classified by AVA®.
Webhook on every matched buyer. JSON payload with full intent signal data.
One-click compliance package. Government ID, biometric match, fraud flags.
Filter by state, province, urban/rural, dealer license, vehicle type.
Customer-initiated Equifax soft pulls and dealer-initiated full TransUnion CreditVision® bureau. SOC 2 compliant.
Joint review of fund rate, default rate, and segment fit. Tune over time.
Start the lender partnership conversation.
Tell us about your loan products and target borrower segments. We'll respond with a sample feed, a commercial structure, and a 60-day path to live integration.
Talk to AVA® Lender BD.
Tell us about your loan products and target borrower segments. We'll come back with a sample feed, a commercial structure, and a 60-day path to live integration.