Every deal carries a dealer story, a collateral story, a deal-structure story. Sidecar puts all of it next to the application — deal, dealer, vehicle, and reliability risk, each read against your own loan history — the moment the decision gets made.
We're not here to sell you a dashboard. We're here to move your loss curve. So we put the risk on us: put Sidecar to work for 60 days, and if your team uses it and it isn't earning its place against your own book, we give back every dollar.
On the application, the deal looks like every other deal. The signals that actually predict the charge-off live somewhere else — in your own loss runs, in a dealer scorecard, in NHTSA's complaint data, in your most senior underwriter's head.
By the time those signals are assembled, the loan is already funded. So consistency drifts across the floor, new underwriters guess, and the risk only surfaces months later in the loss curve — where it's expensive and too late to undo.
Each read is assessed against your own historical loans and carries its own severity. The figures below are the actual reads from the deal shown above.
LTV, down payment, structure, and yield read against your own historical loans — with the segment charge-off rate, your company average, and the loan count behind it, then weighed against the borrower's FICO tier and DTI.
The dealership's flag status, funding volume, and underwriting and funding-verification exception history — with dealer-specific charge-off metrics where volume allows, dealer yield, and regional benchmarks.
The collateral's segment charge-off history, condition, and mileage — and how the term affects depreciation exposure, residual value, and yield efficiency.
Make-, model-, and year-level mechanical reliability from NHTSA — complaint volume, crashes and fires, and the top failure components by system, with the notable safety concerns called out.
Copy any read as an examiner-ready credit memo. One click captures the full reasoning behind the decision — the same write-up every time, ready for the loan file and the exam.
Sidecar is a browser side panel that rides alongside any web-based LOS. Your underwriters never leave the application — and you're not waiting on an 18-month integration queue to find out if it works.
The side panel rides alongside the LOS your team already uses. No integration to build, nothing for your LOS vendor or IT to approve. Underwriters see the read on the very first deal.
The panel earns its place in the workflow — a glance before every fund. We work with the desk so it's used, not ignored. That adoption is the whole point, and it's what we measure.
Connect your own servicing data and the reads move from industry-wide to portfolio-specific — your dealers, your segments, your loss history, read against the deal in front of the underwriter.
You don't have to connect anything to get value on day one. Sidecar starts on a dataset we built from raw SEC ABS-EE loan-performance filings — industry-wide deal, vehicle, and segment signal your underwriters can use immediately. It's a starting point, not your book: as you run, your own servicing data takes over and the reads get sharper and more yours.
The dealer behind the deal, the collateral inside it, the structure around it — written out before you fund, not discovered after you've booked the loss.
No toggling between the LOS, spreadsheets, and dashboards to assemble the picture. It's in the panel, beside the deal, while you're still on the application.
The same written read on every deal — ready to copy as an examiner-ready credit memo, identical whether it's your most experienced underwriter or your newest hire.
Stronger decisions on every deal compound into a stronger book — one built to grow the channel, not just survive it.
Refreshed once or twice a year, it scores the individual applicant's credit history — and stops there.
Read against your own historical loans, it lays out the environment around the application — the deal structure, the dealer, the vehicle, the segment — at the second of decision.
DataScoop has substantially reduced the time and cost of manually evaluating an application, and let us look up dealership performance in real time — without leaving the loan in the LOS.
We'll walk you through exactly what Sidecar surfaces on the kind of deal your desk sees every day — deal, dealer, vehicle, and reliability risk, each read against your own loan history, all in one panel — backed by a 60-day money-back guarantee.
60-day money-back guarantee. Live in days, not quarters · works with any web-based LOS · your data, your loss history.