Open Lending Corporation provides lending enablement and risk analytics solutions to financial institutions, including credit unions, regional banks, and captive finance companies. Their services include loan analytics, risk-based pricing, risk modeling, and default insurance, primarily targeting near-prime and non-prime borrowers. The company's unique selling proposition is its ability to offer automated lending decisions with built-in default protection, enhancing efficiency and reducing risk for lenders. This allows financial institutions to increase loan volumes without added risk, making automotive financing more accessible to underserved borrowers. Their platform integrates with most loan origination systems, offering a seamless and cost-effective solution.