Asset risk and inventory management for the digital age
Physical audit is expensive, time-consuming, open to fraud, and often dependent on human interpretation. Our Digital Audit Solution offers secure, versatile audits for floorplan units, cutting time by 40% and costs by 50% compared to traditional audit methodologies.
#1 worldwide provider of financing solutions
Transform your floorplan or wholesale inventory management functions with SBS Asset Audit. Move to hybrid-auditing, merging digital and physical auditing to get the best of both worlds and optimize risk protection on funded assets.
Audits processed annually
SBS Asset Audit supports our clients to increase their self-auditing capabilities.
Active audit locations
SBS Asset Audit supports small and large organizations globally to enhance risk management
Cost savings
Save on travel costs and employee time without compromising risk management.
Images processed
Last year, SBS Asset Audit supported $17 billion asset value through the auditing system.
Benefits
The most configurable and effective risk management application
Configure audit to fit dynamic business need
Feature and function flexibility, linked to the operation requirements of individual customers.
Real-time issue identification and alerts
Identify issues through flexible business rules with audit and behavioural analytics, delivering the ability to mitigate risks with real-time management.
Simultaneous group auditing capabilities
Gain a more accurate and timely view of the overall inventory portfolio by conducting audits across the network together.
All-In pricing, no hidden charges
Effectively limitless audits and live customer support with a fixed monthly location charge that remove risk versus budget conflicts.
The best fit auditing solution, every time
The expertise of physical auditors is valuable, but they are complex to deploy, have physical limitations, and are costly. A hybrid auditing model delivers more effective risk management and control, allowing targeted physical auditor deployment reinforced with digital self-audits to maximize impact.
Remove limitations
Embrace a digital self-auditing model to increase your audit frequency and bandwidth.
Integration expertise
Established SBS and extensive third-party integrations driven by APIs and webhooks.
Rapid roll-out
App and cloud-based, requiring minimal capital expenditure to help you maximize ROI.
Meet green goals
Reduce or even eliminate the need for auditors to travel and reduce your CO2 emissions.
A world-leading risk and asset management application
Proven solution supporting small local lenders to large international enterprises gain better control of risk and audit assets at any location. Our future-proof SaaS solution provides continuous enhancements and upgrades.
Risk analysis
Intelligent business rules
Best fit auditing
Modular solution
Delivering deeper, more actionable risk insights
Leverage system automation capabilities with agile business rules and digitized processes, supporting early identification and efficient resolution of issues, such as offsite units or fraud attempts.
Leveraging AI and Machine Learning to address risk
Reduce loss and liability with automated image verification to identify exposure to risk and preform decisioning at audit locations that have a greater risk profile thanks to the implementation of more frequent audits.
Find the auditing method that matches your needs
Identify the best operational fit audit methodologies for your business and gain real-time risk controls that are adaptable to connected and offline environments with, secure image, live video streaming and NFC auditing.
Ensuring global coverage, connected or offline
SBS Asset Audit can operate as a standalone asset inventory software or be combined with other products, legacy systems or third-party integrations, to match customer needs and expectations.
Technology
Enhance your asset audit operations
Discover
The future of auditing
Simple to roll out, flexible to fit your needs, and built for scale, SBS Asset Audit gives you the control and peace of mind you need to focus on what really matters running your business.
The next-gen solution for all your asset finance needs
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FAQs
Find answers to our most commonly asked questions about SBS Asset Audit.
What is SBS Asset Audit? + –
SBS Asset Audit is a cloud-native, SaaS-based asset risk and inventory management solution from SBS that digitizes floorplan/wholesale auditing for auto, equipment, and asset finance lenders. It replaces or augments expensive, time-consuming traditional physical audits with secure, versatile digital methods (secure imaging, live video streaming, NFC), reducing audit time by ~40% and costs by ~50% while enhancing real-time risk visibility and fraud detection.
What problem does SBS Asset Audit solve? + –
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.
How does SBS Asset Audit transform asset auditing? + –
SBS Asset 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.
How much can lenders save with SBS Asset Audit? + –
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.
Can the system work offline? + –
Yes, SBS Asset Audit is adaptable to both connected and offline environments, ensuring continuous operation regardless of connectivity.
How does AI and machine learning work in SBS Asset Audit? + –
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.
What real-world scale and results has SBS Asset Audit achieved recently? + –
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.
Why choose SBS Asset Audit over other auditing tools? + –
Because SBS Asset 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.
Is SBS Asset Audit available on cloud marketplaces, and what does that mean for deployment? + –
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.
What makes this solution different from traditional auditing methods in 2026? + –
Our hybrid approach combines digital efficiency with targeted physical audits, reducing costs by 50% while maintaining superior risk management.
Why is traditional physical asset auditing costly and limiting? + –
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.
What is the hybrid auditing model, and how does it work in practice? + –
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.