Asset risk and inventory management for the digital age

Traditional physical audits are costly, slow, prone to human error/fraud, and limited in frequency/coverage. We offer a hybrid model: frequent, low-cost digital self-audits (dealer-submitted) combined with targeted physical inspections, increasing audit frequency, bandwidth, and accuracy without compromising risk protection on funded assets.

SBS Digital Audit is a cloud-native SaaS solution that digitizes floorplan auditing with secure imaging, live video streaming, NFC technology, and AI-powered verification. It enables frequent, low-cost digital self-audits (dealer-submitted) or remote checks, delivering real-time results anywhere/anytime. This shifts from slow, expensive manual processes to scalable, intelligent monitoring while reducing audit time by up to 40% and costs by up to 50% while dramatically improving risk visibility.

Clients report up to 50% cost reductions and 40% time savings. The all-in pricing model (fixed monthly per dealer/location, unlimited audits, live support) provides budget certainty. No hidden fees or per-audit charges while increasing audit frequency for better risk control.

Yes, SBS Digital Audit is adaptable to both connected and offline environments, ensuring continuous operation regardless of connectivity.

AI/ML powers intelligent business rules for automated image verification (e.g., detecting mismatches, offsite units, or fraud indicators), risk scoring, behavioral analytics, and decisioning. It identifies high-risk profiles for prioritized audits, reduces manual review, and enables proactive issue resolution with accuracy and scalability.

In 2025 U.S. rollouts, it digitized over 100,000 audits across nearly 18,000 auto dealerships (e.g., via NextGear Capital and independents), processing 2.5–3 million images annually which is impossible with traditional auditing. Clients report 50%+ cost reductions, 40% faster audits, higher frequency (effectively limitless at fixed cost), and better fraud/offsite detection. Globally, it supports 16,000+ locations and $17B+ in audited assets yearly.

Because SBS Digital Audit is the only model that gives you real-time visibility, proactive risk control, and scalable coverage without physical constraints.
It combines AI-driven verification, hybrid flexibility, system-agnostic integration, and predictable pricing to modernize auditing without compromise.

Yes, it is live on AWS Marketplace since late 2024, enabling quick procurement, scalable deployment (public/private/hybrid), and pay-as-you-go models. Rollout is rapid (minimal capex, often weeks-months), with no infrastructure burden. It’s fully cloud-native, offline-capable for remote sites, and continuous enhancements without client upgrades.

Our hybrid approach combines digital efficiency with targeted physical audits, reducing costs by 50% while maintaining superior risk management.

Physical audits require on-site visits by auditors, involving travel, scheduling, manual inspections (VIN/serial checks, condition assessments), and reporting. This leads to high costs (travel/labor), limited frequency (often monthly or quarterly), human error risks, delays in issue detection, and scalability challenges for large portfolios or remote locations – leaving lenders exposed between audits.

The hybrid model combines frequent, low-cost digital self-audits (dealer-submitted images/video/NFC) with targeted physical inspections. Digital audits handle 70%+ of routine/low-risk cases (per SBS studies), while physical auditors focus on high-risk or exception cases. This optimizes resource allocation, increases overall audit frequency, reduces errors by up to 5% via AI verification, and improves risk visibility/compliance response by 53-64% in client implementations. It balances accuracy/fraud detection of physical checks with digital scalability and cost savings.