Utilisation-based credit
Cash flow underwritten from measured asset hours and routes, not projections.
Operator risk scoring
Driving behaviour and maintenance discipline as inputs to pricing.
Document intelligence
Applications, statements and contracts read and reconciled by GRAIL, with every field traceable.
Energy project diligence
Metered generation and load data behind solar, storage and charging loans.
Industries/Capital and risk
Gallahand forAsset Finance and Lending
Lend against the asset as it runs. Utilisation, location and condition become collateral intelligence, from origination to recovery, for trucks, machines, batteries and energy systems.
Measured in: loss given default · residual value
Collateral · LiveFinanced fleet · 640 units
Utilisation 78%Arrears signal 4
UNIT 1187 · utilisation down 40%
The constraint
Collateral that reports on itself is cheaper to finance.
Blindness
Once financed, most assets go dark until a payment is missed.
Residual
Battery health and duty cycle decide the residual value of electric fleets. Few lenders measure either.
Recovery
The cost and time to locate and recover an asset moves loss given default.
Use cases
What we build for asset finance and lending.
Each use case runs on the same stack, so the second one costs a fraction of the first.
Location and utilisation
Every financed asset reporting position and hours, continuously.
Condition and maintenance
Service history and fault codes that protect the collateral value.
Battery state of health
Residual value of electric assets tracked from the pack, not estimated from age.
Covenant early warning
Utilisation and cash signals flagged weeks before arrears.
ASSET FINANCE / 03
Collections and recovery
Earlier signals, faster recovery, better remarketing.
Arrears signals
A sustained drop in utilisation raises a conversation before a missed payment.
Location and recovery workflow
Assets located and recovered through a workflow with a legal and human gate on every step.
Remarketing value
Condition and history packaged to support the resale price.
Book view
Exposure by sector, region and asset type, from live data.
Integration
We use the telematics already fitted to financed assets, or fit devices at delivery through our hardware partners.
Platforms in play
One stack underneath.
GRAILLayer 01 · Intelligence
The intelligence core. Model routing, agents, evaluation and the policy envelope, on your compute or ours.
CORBENICLayer 02 · BitsThe operating picture. Telemetry, state and memory joined into one live model of every asset.
CALIBURNLayer 04 · ElectronsCharge, dispatch and energy on one schedule, against tariff, duty cycle and the next shift.
How an engagement runs
One number, moved and proven.
01 · SURVEY
Find the constraint
Two to four weeks on the asset. The number that costs most, the data that already exists, and what has to work first.
02 · INSTRUMENT
Connect what runs
Existing systems connected and gaps closed with vendor-neutral hardware. A baseline both sides sign.
03 · PROVE
Move one number
A bounded deployment against the baseline, reported in physical units, with a human gate on anything irreversible.
04 · OPERATE
Run it, or hand it over
We operate the system with your team, or transfer it with the code, the models and the playbook.
We do not publish client names or case studies. References are shared in a briefing, under agreement.
From the thinkingThe Grid Becomes Venture-ShapedFour loads hit the grid in the same decade and only one of them can wait.Read ↗Briefings
Send the constraint, not a brief.
Most of our work arrives by introduction. If you run or back capital in this space, tell us the number that is costing you most.
- 01The asset classes you finance and the book size.
- 02Where losses come from: default, residual or recovery.
- 03Telematics data you already have access to.
- 04Electric assets in the book, or planned.