Leave it to Kin

Kin Analytics is a credit risk intelligence company built for the equipment finance and leasing industry. Its conviction is risk-first. The industry has spent years optimizing for throughput, moving applications through faster, with risk assessed on the way out. Kin starts at the other end: understand the risk in a deal first, then decide how fast it should move. Approving the right credits and catching the risky ones is what protects a portfolio, and smarter credit decisions come from that clarity.

Kin delivers underwriting intelligence, built for your business. Rather than selling access to a generic model, Kin builds custom credit scoring models trained on each client’s own portfolio history, so the model learns that lender’s borrowers and verticals from the deals they have actually funded. It adjusts to their risk appetite, not to an industry average.
What distinguishes Kin is how the work gets done. Kin is forward deployed. Its engineers and credit risk specialists embed inside the client’s operation, in person, joining the team from day one and staying accountable for measurable outcomes. Nothing is handed over and walked away from. The work fits the systems and credit policies already in place, and because Kin builds alongside the people who will use it every day, adoption happens naturally. Credit teams take it up because they find real value in it, not because they were told to.

Kin works with banks, captives, independent lenders, and fintechs across North America, where its engagements have raised approval rates and reduced defaults. Kin is an Equifax partner and a Certified B Corporation.