Category

Alternative Lending

28 insights · page 3 of 4

Dumbbell chart showing the CFPB Section 1071 covered-institution threshold rising tenfold from 100 to 1,000 small business originations per year, effective June 30, 2026.

A Reporting Rule Lands June 30. Most Lenders Have Not Checked Whether It Touches Them.

The revised CFPB Section 1071 rule takes effect June 30, raising the coverage threshold tenfold. Most lenders cannot pull the origination data that decides whether it applies to them.
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Grouped bar chart showing 42% of finance work is fully automatable and 19% is mostly automatable with current technology, a combined 61% ceiling reachable only at the function level.

Automating Tasks Is Not Automating a Function. Most Lenders Have Confused the Two.

Most lenders have automated tasks, not functions. The 2026 data shows why that gap keeps the cost in place, and what automating a full function actually requires.
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Line chart showing equipment finance new business volume rising 22.2% versus the prior-year period while back-office capacity stays flat, opening a widening operational gap.

Equipment Finance Volume Is Up Twenty-Two Percent. The Desks Processing It Did Not Grow Twenty-Two Percent.

Equipment finance volume is up 22.2% in early 2026, but the desks processing it did not grow with it. Why hiring through a surge fails, and how lenders scale volume without scaling headcount.
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Statement graphic showing a 60 to 90 percent cycle-time reduction when a lending workflow is redesigned end to end, versus a 15 to 20 percent net gain when AI is bolted onto the existing process.

Bolt It On, or Redesign Around It: Why Your 2025 AI Purchase Underdelivered

Most lenders blame the technology when their AI underdelivers. The real issue is a point tool bolted onto an unchanged process. See why end-to-end redesign drives 60 to 90 percent cycle-time reductions.
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Before and after chart showing monthly funded deals doubling from 120 to 240 and deals per analyst rising from 20 to 40 on the same desk

The Equipment Lender That Doubled Deal Volume Without Adding a Single Headcount

How one specialty equipment lessor doubled monthly deal volume from 120 to 240 on the same six-analyst desk by orchestrating file prep, and the cost math that makes hiring the wrong growth lever.
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Bar chart showing 76% of finance leaders plan to invest in agentic AI in 2026 while only 6% report broad-scale implementation, illustrating the execution gap.

The Question Is Not Whether Your Agents Can Act. It Is Who Answers When They Do.

Agentic AI in lending is no longer a capability problem. Only 6% of finance leaders report broad-scale implementation, and governance is the barrier. Here is why accountability has to be designed in at build time.
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Bar chart showing MCA enforcement costs and settlement rates by account status for alternative lenders

The Litigation Clock Is Running. Your Collections Process May Be the Reason.

NY's FAIR Act expanded AG enforcement to MCA collection conduct. Here's what that means for your collections SOP and the cost of inconsistent follow-up.
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Bar chart comparing linear back-office cost scaling versus agentic cost-to-process for a specialty lender doubling loan volume.

Specialty Finance Is About to Outgrow Its Own Back Office

83% of private-credit firms expect AUM growth in 12 to 18 months. Here is why staffing back office linearly turns that growth into a $216,000 labor line, and how to break the link. Word count: ~915. Now the company post.
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