AI Engine · Validated Accuracy

Real Deal Simulations.
Every Decision Stress-Tested.

Before a deal ever hits a lender's desk, Louie has run it through 14 eligibility gates and matched it against 81 scenario templates spanning every role and deal type — refined by every simulation actually run, live.

0
Simulations run (live)
9
Roles covered
81
Scenario templates
68→83%
First-look routing accuracy
14
Eligibility gates per deal

How It Works

Every deal runs 14 eligibility gates before it touches a lender.

Most desks skip to rate shopping. Louie stress-tests the deal structure before it moves — catching stipulation failures, LTV violations, and program mismatches that kill pencils and waste bureau pulls.

1
Beacon score vs. program floor
2
LTV cap vs. book value
3
Payment-to-income ratio
4
State rate cap compliance (all 50 states)
5
Vehicle age / mileage program limits
6
Bankruptcy chapter & discharge date
7
Prior repossession recency
8
Time-on-job vs. program minimum
9
Housing payment history
10
Open trade count vs. program limits
11
Derogatory trade recency
12
Lender-specific stip pre-check
13
Reserve cap by lender tier
14
OFAC / PACER / fraud flag screen

Example Simulations

Real scenarios from the corpus.

These are representative cases from the 81-scenario template library — the kind of deals that stump a desk. Louie routes them in under 4 seconds.

Specialty Routed
580 Beacon · F-150 · $18K
Recent 30-day late, 2 open trades, PTI 14%
Tier 1 resultDeclined — score floor
Louie routingSpecialty Tier 2
Rate14.9% APR
Reserve earned$1,240
Turned away → Deal booked
Prime Approved
640 Beacon · Camry · $24K
Stable job 3 yr, 1 collection (medical), PTI 18%
Desk quote9.9% (overcautious)
Louie routingPrime Tier 1
Rate7.4% APR
Reserve earned$1,847
Left $600 on table → Max reserve captured
Program Match
Ch. 13 BK · Civic · $12K
Discharged 14 months ago, PTI 22%, new job 8 mo
Standard deskDeclined — "not our deal"
Louie routingFresh Start Program
Rate18.9% APR
Referral pathAttorney partnership
Walked out the door → Booked + referral fee

The Methodology

How 81 scenario templates cover every deal.

The simulation library isn't a demo. It's a structured set of scenario templates spanning every role and deal type, stress-tested with AI-generated variations across every variable that affects approval — and validated against CFPB HMDA benchmark data. Every real simulation a dealer runs adds to the live count above.

Real Deal Foundation
81 scenario templates (9 roles × 9 deal types) seeded the weight matrix — real approval, decline, counter, and stipulation patterns from the floor.
81 scenario templates
AI Scenario Generation
Anthropic Claude stress-tests each of the 81 scenario templates against varying credit profiles, vehicle classes, and lender programs — surfacing edge cases no single dealer would see in a decade.
0 simulations run, live
CFPB HMDA Calibration
Synthetic scenarios calibrated against CFPB HMDA loan-level data to ensure demographic and geographic representation matches real market conditions.
68% → 83% first-look accuracy
🔄
Nightly Closed-Loop Reweight
Every deal your store books gets fed back into the lender weight matrix at 1:30am. The model gets sharper every night — automatically, with no manual tuning.
Reweights nightly

Full attribution methodology at /attribution · Closed-loop proof at Join the Waitlist

See It Run a Real Deal

The simulation engine is live in the demo. Run your deal against the lender matrix and watch it route in real time.

Join the Waitlist → Methodology Details