edge. Asset reviewIllustrative
01Chassis02Load body03Equipment
Start here
Asset & Collateral Intelligence
Bring configuration, condition and valuation evidence into one reviewable asset file.
Explore the solutionFinance & Asset Risk
Understand the asset behind the credit decision.
Connect the complete vehicle, its operating use and its evidence to origination, portfolio review and recovery.
Banks, NBFCs & leasing companies
edge. Asset reviewIllustrative
01Chassis02Load body03Equipment
₹34.0LInvoice value
₹28.5 to 31.0LModelled range
1Missing record
Chassis invoiceMatched
Body-builder invoiceReview
Unit commissioningRequired
The decision in view
What are we financing, what supports its value, and what changes through the asset term?
01
Identify the complete collateral
Examine the chassis, fitted body, mounted equipment and material ownership arrangements together.
02
Review risk through the term
Connect asset configuration, servicing history and realised outcomes to a defined portfolio question.
03
Improve the recovery decision
Compare repair, timing and disposal options using net proceeds after costs and delay.
Sector solutions
Choose the work you need.
6 targeted programmes for finance.
edge. Origination assuranceIllustrative
Source record
Supplier invoice
Chassis…A7K204
BodyRefrigerated
InvoiceINV-204-01
Inspection extract
Inspection record
Chassis…A7K204
BodyInsulated
SourceINS-204-02
Start here
Origination & Disbursement Assurance
Connect the approved asset, supplier quotation, invoice, inspection and delivery record.
Explore the solutionedge. Portfolio riskIllustrative
Base coverageStressed coverage100% reference
| Class / assets | Base | Stress |
|---|---|---|
| SCV · 120 | 115% | 95% |
| Rigid · 80 | 104% | 84% |
| Tractor · 50 | 110% | 92% |
Expansion
Portfolio Risk & Stress Intelligence
Examine asset mix, servicing experience and recovery outcomes together.
Explore the solutionedge. Recovery briefIllustrative
₹ lakh
30.00
Gross sale
−0.35
Transport
−0.20
Storage
−1.10
Repair
−0.45
Fees
27.90
Net recovery
Start here
Recovery & Remarketing Intelligence
Assess repair, reserve, timing and sale-channel choices against the proceeds left after cost and delay.
Explore the solutionedge. Pool due diligenceIllustrative
RecordIdentityBodyConditionService
AST-01✓✓✓✓
AST-02✓✓✓·
AST-03✓✓·✓
AST-04✓✓✓✓
AvailableOpen
Expansion
Asset-Pool Due Diligence
Assess configuration coverage, valuation assumptions and disposal evidence in a commercial-asset portfolio.
Explore the solutionedge. Transition riskIllustrative
Base duty200 km duty / 260 km range
Hot-day duty230 km duty / 230 km range
Heavy-load duty250 km duty / 220 km range
Assumed usable rangeRequired duty
Expansion
EV & Equipment Transition Risk
Connect duty, charging, ownership, service and residual-value assumptions in commercial EV and equipment finance.
Explore the solutionWhat you receive
Outputs your team can inspect and use.
An evidence-backed asset view
Sources, valuation assumptions, completed checks and unresolved facts available to the reviewer.
A more focused review queue
Exceptions assessed against confirmed cases, reviewer capacity and the cost of false alarms.
A record of realised outcomes
Forecasts and recommendations compared with accepted decisions and eventual recoveries.
A focused first engagement
Start with commercial asset assurance
Select a vehicle segment, an origination or post-disbursal workflow and a historical sample with known review outcomes.
Scope an engagementAgree together
01The workflow and its owner
02A representative set of records
03How the output will be evaluated
Evidence and evaluation details
Evidence to bring
- Loan origination and servicing exports
- Supplier invoices and configuration documents
- Inspection and condition reports
- Authorised operating evidence
- Historical disposal proceeds and costs
Evaluation measures
- Review time per comparable case
- Confirmed exceptions and false alarms
- Evidence completeness
- Valuation error where realised sale evidence exists
Supporting instruments
Build on the existing evidence.
Before an engagement
Is the offer the same for a bank and an NBFC?
The common asset model is adapted to the workflow. A bank may start with collateral governance or a portfolio review. An NBFC may start with dealer-channel origination, used-asset assessment or recovery operations.
Who makes the lending decision?
The institution retains credit, pricing, disbursement and recovery decisions. The engagement defines which evidence and analysis Edge prepares and how authorised reviewers use it.
Can we begin without a full systems integration?
A bounded pilot can use approved exports and documents. Production integration is scoped after the case identifiers, data quality and review process have been tested.
The next conversation
Start with a specific decision.
Share the operating context and the result your team needs to review.
Start a conversationTalk to the desk.
Tell us who you are and the decision you are pricing. The first conversation costs nothing. A reply comes on working days.
Or write to [email protected].