Question 1

What is ANVL?

Accepted Answer

ANVL is the operating system for floorplan finance: a single, unified platform that replaces the fragmented stack most lenders run today. It combines continuous collateral verification (RMS), loan lifecycle management (LMS), and inventory-backed origination (LOS) on one shared data layer, eliminating the blind spots that exist when these systems are separate.

Question 2

What is the difference between RMS, LMS, and LOS?

Accepted Answer

RMS (Risk Management System) is the entry point: it verifies collateral continuously using lot-level hardware, replacing periodic audits with real-time visibility. LMS (Loan Management System) sits on top of that verified data to manage curtailment, covenants, maturity, and exception workflows. LOS (Loan Origination System) closes the loop by grounding underwriting in live, trusted inventory data. The progression is RMS to LMS to LOS; each module builds on the verified collateral layer beneath it.

Question 3

Can ANVL integrate with our existing loan systems?

Accepted Answer

Yes. RMS can be deployed without replacing your existing LMS or LOS. It improves collateral visibility immediately and creates a verified data foundation your current stack can consume. As operational needs grow, lenders can expand into ANVL's native LMS and LOS modules at their own pace.

Question 4

Why does the platform start with RMS?

Accepted Answer

The collateral gap is the highest-leverage problem in floorplan lending. Most portfolios still rely on 30–60 day manual audit cycles, leaving weeks of exposure undetected. RMS closes that gap immediately, delivering real-time lot-level visibility, automated exception detection, and the verified data foundation that makes everything else possible: smarter loan management, faster origination, AI-driven risk scoring.

Question 5

What hardware does ANVL require?

Accepted Answer

ANVL uses purpose-built BLE (Bluetooth Low Energy) sensors installed on dealer lots. Each sensor continuously tracks vehicle presence and behavior, feeding real-time signals into the platform's AI engine. Hardware is managed and maintained by ANVL; lenders do not own or operate the devices.

Question 6

How long does deployment take?

Accepted Answer

Deployment timelines vary by portfolio size, but ANVL follows a structured rollout process, not a self-serve onboarding. A dedicated team handles hardware installation, configuration, and lender onboarding to ensure the platform is calibrated correctly before go-live.

Question 7

Who installs and maintains the hardware?

Accepted Answer

ANVL manages hardware deployment, installation, and ongoing maintenance. Lenders do not need to coordinate with dealers on hardware operations. Lot-level monitoring is continuous once hardware is active.

Question 8

Can ANVL be deployed across multiple dealer locations?

Accepted Answer

Yes. ANVL is built for multi-location portfolios. The lender dashboard provides centralized visibility across all lots, and each dealer location is monitored independently. Exception alerts surface at the vehicle and lot level, with full portfolio-wide rollups for credit and risk teams.

Question 9

What does ANVL's AI engine do?

Accepted Answer

The ANVL Collateral AI Engine processes continuous hardware signals to detect anomalies, score dealer confidence, and route exceptions automatically. It is trained on floorplan-specific behavioral patterns (vehicle movement, absence, and lot activity) rather than generic financial data. The result is continuous risk intelligence that works between audits, not just during them.

Question 10

What are Evidence Packs?

Accepted Answer

Evidence Packs are structured, audit-ready documents generated automatically by the platform. They capture verified collateral status, anomaly history, and confidence scores in a format designed for internal audit, legal review, and capital partner reporting. What previously took days to compile is produced in seconds.

Question 11

How does dealer confidence scoring work?

Accepted Answer

The AI engine builds a behavioral profile for each dealer lot over time, tracking patterns in vehicle movement, absence duration, and inventory turnover. Deviations from expected patterns generate anomaly flags and adjust the dealer's confidence score. Lenders can use these scores to prioritize field audits, covenant reviews, or escalation workflows.

Question 12

Is the AI making credit decisions?

Accepted Answer

No. ANVL's AI engine surfaces verified evidence and risk signals; credit decisions remain with the lender. The platform is designed to inform and accelerate human judgment, not replace it. All anomaly flags, confidence scores, and exception routes are auditable and explainable.

Question 13

Is ANVL designed for regulated lending institutions?

Accepted Answer

Yes. The platform is built with institutional requirements as the baseline: multi-tenant data isolation, full audit logging, role-based access controls, and operational governance aligned with GLBA requirements. SOC 2 Type II certification is in progress.

Question 14

Is data isolated between institutions?

Accepted Answer

Yes. Each institution operates in a fully isolated tenant environment. Dealer data, collateral records, loan data, and AI-generated intelligence are segregated at the data layer. No cross-tenant data access is possible by design.

Question 15

Where is data stored?

Accepted Answer

ANVL operates on enterprise-grade cloud infrastructure with data residency in the United States. All data in transit and at rest is encrypted. Infrastructure and access controls are designed to meet the standards expected by institutional lenders operating under federal oversight.

Question 16

What audit logging does the platform provide?

Accepted Answer

Every platform action (collateral status change, exception alert, user access, configuration update) is logged with a full audit trail. Logs are immutable and available for compliance review. Evidence Packs can be generated on demand for specific time windows or dealer relationships.

Question 17

How does ANVL support capital partners and warehouse lenders?

Accepted Answer

Capital partners gain standardized collateral evidence across every lender relationship on the platform. Instead of relying on self-reported inventory schedules, ANVL provides independently verified collateral status, AI-generated confidence scores, and on-demand Evidence Packs, making portfolio review faster and more reliable.

Question 18

Can capital partners access the platform directly?

Accepted Answer

Yes. ANVL supports capital partner access with role-based permissions scoped to the specific portfolios they are financing. This gives warehouse lenders and credit facilities direct visibility into collateral health without requiring custom reporting from each originating lender.

Question 19

How does ANVL improve advance rate and covenant management?

Accepted Answer

Continuous verification replaces the uncertainty embedded in periodic audit cycles. Capital partners can tie advance rate calculations and covenant triggers to verified, real-time collateral status rather than stale inventory schedules, reducing the lag between collateral events and portfolio action.

Question 20

Do we need to deploy all modules at once?

Accepted Answer

No. Most lenders begin with RMS, which delivers immediate collateral visibility and works alongside existing loan systems. LMS and LOS can be adopted as operational maturity grows. ANVL is designed for a staged rollout that matches the lender's pace.

Question 21

What types of lenders does ANVL serve?

Accepted Answer

ANVL is built for institutional floorplan lenders: banks, credit unions, and specialty finance companies managing asset-backed portfolios across multiple dealer locations. The platform is not designed for single-dealer or consumer lending use cases.

Question 22

How is ANVL priced?

Accepted Answer

Pricing is structured based on portfolio size, number of dealer locations, and the modules deployed. ANVL does not offer self-serve plans; all engagements begin with a structured discovery process to ensure the platform is scoped and configured correctly.

Question 23

What does the onboarding process look like?

Accepted Answer

ANVL follows a dedicated onboarding process: discovery and scoping, hardware deployment, platform configuration, and lender team training. A dedicated implementation team manages each stage. Production go-live is gated on verified hardware signal quality and dashboard configuration sign-off.

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