AI-native automotive finance
Your loan lifecycle, run by AI agents.
Built on Databricks.
AutoFabric agents execute loan origination and refinance on a governed lakehouse — every action policy-gated and audit-traced. Not copilots. Agents that get work done.
Everybody's adding AI. Nobody's governing it.
The auto finance platforms you use today were built for humans at keyboards. Credit apps, stip collections, payoff quotes, rate comparisons — every step assumes a person will click the button.
Then AI arrived, and those platforms did what legacy systems do: they bolted on chatbots, added "AI assistants," and called it innovation. The AI watches you work. It suggests. It summarizes. But it never truly executes — because the platform underneath has no concept of an AI actor, no policy gate for automated decisions, and no audit trail that explains why a machine did what it did.
The result: Your team is still pushing every deal through the same manual pipeline. The AI is a spectator.
Deals stall in human queues
Credit pulls, stip collection, and deal structuring happen across disconnected systems. Every handoff adds hours to funding time.
Qualified borrowers cool off waiting
Lead scoring is manual, payoff quotes take days, and rate comparisons require logging into multiple lender portals.
Stips crawl through inboxes
Income verification, proof of insurance, and signed disclosures move through email threads and shared drives — stalling funding for days.
Every exam is a document reconstruction
TILA, ECOA, FCRA, and state-level requirements demand audit trails that manual processes can't reliably produce.
No one sees the whole deal
Bureau files, LOS records, payoff quotes, and dealer submissions live in separate systems — neither your team nor your AI sees a complete picture.
Your AI has no policy guardrails
Legacy platforms bolt on AI copilots with no governance layer. Suggestions are untraceable, unauditable, and ungoverned.
Built for agents. Governed like a bank.
AutoFabric is built on the Fabric Platform — a portable runtime for ontology-based, agent-native business applications, running on the Databricks Data Intelligence Platform. Every state change passes through the same pipeline, whether triggered by a human or an AI agent.
Ingest & Understand
Pull data from DealerTrack, RouteOne, credit bureaus, and your LOS — then normalize it into Delta Lake tables under an ontology that understands what a deal is, not just what fields it contains.
- Delta Lake lakehouse storage
- VIN decode & vehicle history
- Credit bureau data aggregation
- DMS inventory sync
Agent Execution
AI agents handle credit pulls, deal structuring, refi lead scoring, and payoff quotes. Every action is gated by OPA policies — the same engine banks use worldwide.
- Policy-gated deal execution
- Real-time compliance validation
- Lead scoring & qualification
- Autonomous lender submission
Orchestrate
Durable Temporal workflows coordinate multi-step processes across systems. Every state change passes through the Fabric runtime: action → policy → state machine → handler → event.
- Multi-step deal pipelines
- Conditional approval routing
- Exception handling & escalation
- Cross-system state management
Govern & Verify
Every agent decision is traceable: who initiated it, what policy evaluated it, and what event was emitted. Examiner-ready always — no document reconstruction required.
- Full decision lineage
- OPA policy audit trail
- Event-driven projections
- Examination-ready reports
The entire platform runs on the Databricks Data Intelligence Platform.
Not a connector. Not an export. AutoFabric's lakehouse, governance layer, and AI agents are built on Databricks from the ground up — so your data, your models, and your audit trail live in one governed platform.
One Lakehouse, Zero Silos
Every deal, borrower, vehicle, and payment record lives in open Delta Lake tables. Origination and refinance read from the same governed data — no nightly syncs, no reconciliation.
Unity Catalog Governance
Every dataset an agent touches is permissioned and lineage-traced through Unity Catalog. Combined with OPA policy gates, you get end-to-end lineage from raw bureau pull to final decision.
Mosaic AI Agents
AutoFabric's agents run on Databricks Mosaic AI — model serving, evaluation, and guardrails on the same platform that holds your data. Models never leave your governed perimeter.
Lakehouse Analytics
Portfolio dashboards, vintage curves, and examiner-ready reports run on Databricks SQL against live data — not a warehouse copy that's a day behind your book.
AutoFabric is built by TechFabric, a certified Databricks technology partner that builds AI-native systems on Databricks — ours and yours.
Copilots suggest. Agents execute.
The difference between AI that watches and AI that works.
Copilot — suggests, summarizes, assists. The human still clicks every button.
Primary actor — executes, decides, acts. Humans govern exceptions.
Human discretion, post-hoc audit. No policy gate for AI suggestions.
OPA policy gates on every agent action. Same governance as human underwriters.
Reconstructed from emails and logs during examinations.
Traceable from actor through policy to outcome. Every decision has a lineage.
Human-driven, AI-assisted. The platform was built for people at keyboards.
Agent-driven, human-governed. The platform was built for AI as the primary actor.
Spreadsheet tracking, manual checks. Compliance is a module.
Automated policy evaluation, real-time validation. Compliance is the runtime.
Document reconstruction for exams. Who approved this? Let me check my email.
Every action emits an auditable event. Who, what, which policy, and why — in seconds.
Agents for origination and refinance.
AutoFabric deploys specialized AI agents for loan origination and refinance. Each agent operates within the Fabric runtime — meaning every action is policy-gated, every decision is traceable, and every compliance check is automatic.
Fund deals in hours, not days
AI agents handle credit pulls, VIN decoding, deal structuring, stip collection, and lender submission — all orchestrated as a single durable workflow within the Fabric runtime.
- VIN Decode (NHTSA, DataOne, ChromeData)
- Credit Bureau Pulls (Experian, TransUnion, Equifax)
- DealerTrack DMS Sync
- RouteOne Lender Submission
- TILA/ECOA Compliance Engine
- Automated Stip Collection
- Deal Structure Optimizer
- Rate Markup Calculator
Catch refi opportunities before they cool
Score your portfolio for refinance candidates, automate outreach, pull payoff quotes, compare rates, and process title transfers — every action policy-gated and auditable.
- Lead Scoring & Qualification Engine
- Payoff Quote Automation
- Rate Comparison (multi-lender)
- Title Transfer Processing
- Customer Communication Workflows
- Portfolio Analysis Agent
- Automated Outreach Sequences
- E-Sign Document Generation
Agents that understand auto finance. Governed like human underwriters.
AutoFabric agents follow a rigorous observe-reason-act-verify loop. But unlike generic AI tools, every loop is embedded in the Fabric runtime — meaning every observation, every reasoning step, and every action passes through policy gates and audit checkpoints.
Observe
Agents monitor deal pipelines, portfolio performance, and refi opportunities — ingesting from every connected system in real-time through the Fabric runtime.
- New credit application received
- Payoff quote expiring in 48h
- Stip package complete, ready to fund
- Rate drop creates refi candidates
Reason
Each agent applies domain knowledge — credit rules, compliance requirements, market valuations — evaluated through OPA policy gates before any action is taken.
- Optimal lender match for credit profile
- OPA policy validates TILA compliance
- Refi savings vs. payoff quote analysis
- Debt-to-income ratio verified
Act
Agents execute multi-step workflows across connected systems — submitting to lenders, generating documents, processing title transfers. Every action emits an auditable event.
- Submit deal to top 3 matched lenders
- Generate compliant disclosure package
- Send refi offer with payoff quote
- Initiate title transfer on funded refi
Verify
Every action is validated against compliance rules and business policies. Full lineage from actor → policy → state machine → event. Examiner-ready always.
- Rate markup within state max
- All required disclosures generated
- Payoff quote matches lienholder records
- Adverse action notices properly issued
Compliance isn't a module. It's the runtime.
Auto finance doesn't get to "move fast and break things." TILA, ECOA, FCRA, and state regulations demand audit trails, decision lineage, and provable fairness. AutoFabric doesn't add compliance as a feature. The platform runtime is the compliance infrastructure.
TILA / Regulation Z
Automated APR calculation, disclosure generation, and right-of-rescission tracking — every output validated through OPA policy gates.
ECOA / Fair Lending
Built-in adverse action notice generation and disparate impact monitoring. Every lending decision is policy-gated and auditable.
FCRA Compliance
Permissible purpose validation, dispute handling workflows, and consumer report access controls — enforced by the runtime, not by hand.
Decision Lineage
Every agent decision traces back to its actor, policy evaluation, state machine transition, and emitted event. Examiner-ready in seconds.
Data Security
SOC 2 Type II certified. Bank-grade encryption at rest and in transit. Role-based access controls with full audit logging through the Fabric runtime.
State Regulations
Pre-configured for state-specific rate caps, repo notification requirements, and title transfer timelines — enforced through OPA policy across all 50 states.
Less manual work. More closed deals.
AI-native isn't faster humans. It's fewer human touchpoints. Agents execute while your team governs exceptions — with full policy control and complete decision lineage.
Faster Deal Processing
Policy Compliance
Faster Refi Turnaround
Lift in Refi Conversions
What Finance Leaders Are Saying
“AutoFabric cut our loan origination time from 3 days to under 4 hours. The compliance engine alone saved us from two potential TILA violations in the first month.”
Jerry N.
VP of Operations, Regional Auto Lending Group
“Our refi pipeline used to leak qualified borrowers while we chased payoff quotes. Now agents score the portfolio nightly, pull quotes automatically, and tee up offers before rates move. Conversions are up 34%.”
Sarah K.
Head of Refinance, National Auto Lender
“Stip collection used to be a week of phone tag. The agents chase documents, verify income, and assemble the funding package automatically — most deals are examiner-ready the same day.”
Mike R.
Funding Manager, Captive Finance Subsidiary
Trusted by teams at
Connected to every tool in automotive finance
AutoFabric uses the Model Context Protocol to connect AI agents to your existing tools — no custom integrations required.
- DealerTrack
- RouteOne
- DealerSocket
- CDK Global
- Reynolds & Reynolds
- Frazer
- Experian Auto
- TransUnion
- Equifax
- FICO Auto Score
- CreditVision
- 700Credit
- NADA Guides
- Black Book
- Kelley Blue Book
- NHTSA VIN Decode
- DataOne
- ChromeData
- The Work Number
- Truework
- Plaid
- Informed.IQ
- Point Predictive
- Ocrolus
- DocuSign
- Wolters Kluwer
- Dealertrack Compliance
- ComplyAuto
- AppOne
- RouteOne Docs
- Twilio (SMS/Voice)
- SendGrid
- Slack
- Microsoft Teams
- Salesforce CRM
- HubSpot
- CPI Programs
- Allied Solutions
- EFG Companies
- JM&A Group
- Zurich
- Safe-Guard Products
- Databricks SQL
- Databricks AI/BI
- Power BI
- Tableau
- Looker
- Custom Dashboards
Powered by the Model Context Protocol
MCP is an open standard for connecting AI agents to external tools and data sources. AutoFabric ships with 48+ pre-built MCP servers for automotive finance — and you can build custom servers for any proprietary system in your stack.
Plans for every scale of operation
Dealership
For single-location dealerships and independent finance companies.
Start Free Trial- Up to 500 deals/month
- Loan origination agents
- VIN decode & credit pulls
- 3 MCP server connections
- Basic compliance engine
- Email support
Lender
For auto lenders, credit unions, and multi-location dealer groups.
Start Free Trial- Unlimited deals
- Origination & refinance agents
- Full compliance suite (TILA, ECOA, FCRA)
- Unlimited MCP connections
- Custom workflow builder
- Dedicated success manager
- API access & webhooks
- SSO & RBAC
Enterprise
For captive finance companies, national servicers, and large-scale operations.
Contact Sales- Everything in Lender
- Custom MCP server development
- On-premise deployment option
- Dedicated infrastructure
- Custom model fine-tuning
- 24/7 priority support
- Compliance consulting
- White-label option
Common questions
AutoFabric uses the Model Context Protocol (MCP) to connect to your existing systems. We ship with pre-built MCP servers for DealerTrack, RouteOne, CDK Global, and other major platforms. For proprietary systems, our team can build custom MCP servers that expose your system's capabilities to AI agents.
Yes. Compliance is built into every workflow — not bolted on. Our agents validate TILA disclosure requirements, generate ECOA-compliant adverse action notices, and enforce FCRA permissible purpose checks before any credit pull. Every automated decision produces a complete audit trail for examiner review.
AutoFabric agents don't replace human judgment — they augment it. Agents handle repetitive, data-intensive tasks (credit analysis, deal structuring, compliance checks) while flagging exceptions for human review. Every agent follows an observe-reason-act-verify loop with full transparency into its decision process.
Most customers go live with their first vertical (typically loan origination) within 2-3 weeks. Full multi-vertical deployment typically takes 6-8 weeks depending on the number of integrations and custom workflow requirements. Our implementation team handles MCP server setup, workflow configuration, and staff training.
AutoFabric is SOC 2 Type II certified with bank-grade encryption at rest (AES-256) and in transit (TLS 1.3). We support single-tenant deployment for enterprise customers. All PII is handled according to GLBA requirements, and we maintain strict data residency controls.
Absolutely. Most customers start with one vertical — usually loan origination or refinance — and expand as they see results. Each vertical works independently, and adding new verticals is as simple as activating additional agent configurations and MCP connections.
Our Lender plan includes unlimited deals. For enterprise customers with specialized requirements (custom MCP servers, on-premise deployment, dedicated infrastructure), we offer custom pricing based on your specific needs. Contact our sales team for a tailored proposal.
Traditional RPA follows rigid scripts that break when systems change. AutoFabric agents understand context — they can interpret unstructured data, handle exceptions intelligently, and adapt to process variations. When an agent encounters something unexpected, it escalates to a human rather than failing silently.
Our team of automotive finance specialists is ready to help.
hello@autofabric.com →Stop assisting. Start automating.
Join lenders and servicers who've replaced manual handoffs with AI-native workflows. Agents execute while humans govern — with full policy control, complete audit lineage, and the confidence that every automated decision is traceable.
Free trial available · No credit card required · Implementation in 2-3 weeks