Equipment Finance Companies

Tracking balances, early buyouts, defaults, and marketing performance is critical—but extracting these insights from spreadsheets is slow, manual, and risky. Different teams rely on siloed data, and every new analysis introduces the potential for error.

Dark Sky Data makes it easy. Upload your file, choose your filters, and get instant visibility into performance across vendors, equipment types, credit tiers, and customer segments.

Balances Curves show how balances decline over time—by asset, dealer, or finance structure
Experience Curves reveal when events like delinquencies, buyouts, or defaults occur
Marketing Response Curves help you track engagement from dealer campaigns or direct outreach

No code. No pivot tables. Just answers.

And your data stays yours—we don’t store it, retain it, or reuse it in any way.

required. Aligned by fund date and normalized across term, Paydown Curves help equipment finance teams analyze behavior across industries, credit profiles, and equipment categories—automatically and at scale.

Use it to flag slow-paying cohorts, benchmark partners, and monitor repayment trends before they hit your portfolio margins.

Minimum required columns:

Fund Date
Original Balance ($)
Periodic Balances
Term (in months)
Date of Data Download

Have more fields? Perfect. Filter by anything: Vendor, Industry, Equipment Type, Region, Term, Credit Tier—and more.

From raw data to insights—in seconds.

DO YOU WANT TO KNOW?

How quickly are financed assets paying down across industries or asset types?
Are some vendors or channels generating faster amortization than others?
Which customer segments show signs of delayed repayment or early payoff?
How does paydown behavior vary by term length, region, or equipment category?
Are my portfolios decaying as expected—or is there hidden risk?
How much capital is being recovered month by month, cohort by cohort?

If the answers matter, they’re already in your file—we help you find them.

Experience Curves turn raw event data into clear, time-aligned views of equipment finance performance—measured from the moment of funding. Whether you’re tracking when customers default, prepay, or trigger early termination clauses, this tool reveals timing patterns you won’t catch in spreadsheets alone.

Aligned by fund date and normalized across term, Experience Curves help equipment finance teams analyze event behavior across vendors, asset types, industries, and customer segments—with just a few clicks.

Use it to model portfolio risk, anticipate loss timing, or identify warning signs in specific channels or verticals.

Minimum required columns:

Fund Date
Event Date (e.g., Default, Delinquency, Prepayment)
Event Value (optional)
Term (in months)
Date of Data Download

Have more fields? Perfect. Filter by anything: Vendor, Equipment Type, Industry, Region, Channel, Credit Tier—whatever drives your strategy.

From scattered events to structured insight—in seconds.

DO YOU WANT TO KNOW?

When do early buyouts typically occur—Month 12 or Month 30?
When do repossessions happen?
Are default patterns emerging sooner in certain asset classes or customer types?
Which vendors or dealers are linked to higher early delinquency rates?
How do event timelines differ across industries or equipment categories?
Are long-term contracts performing as expected—or masking early risk?
What’s the typical curve of contract events for your top-performing partners?

If the signals are in your data, we’ll help you see them—clearly and fast.

Marketing Response Curves turn outreach data into clear, time-aligned views of engagement. Whether you’re mailing financing offers to end users, sending email campaigns through vendors, or following up with leads from trade shows, this tool reveals when people actually respond—and how different campaigns perform over time.

Aligned by the initial contact date, Response Curves help equipment finance teams compare engagement by industry, vendor, channel, or asset type—with just a few clicks.

Use it to test messaging, measure lead quality, and plan follow-ups based on real response patterns—not assumptions.

Minimum required columns:

Outreach Date (e.g., Mail Date or Email Send Date)
Response Date
Date of Data Download

Have more fields? Perfect. Filter by anything: Vendor, Channel, Equipment Type, Industry, List Source, Credit Tier—whatever drives your funnel.

From marketing effort to meaningful insight—in seconds.

DO YOU WANT TO KNOW?

Which vendor campaigns generate the fastest response rates?
How long does it take for prospects to respond after receiving a financing offer?
Are certain industries or asset types more responsive to email or direct mail?
Which channels—dealer outreach, digital, or mail—drive the highest engagement?
Do list sources or geographies influence response timing or volume?
When should your team follow up to maximize conversion potential?

If your campaign data holds the answers, we’ll help you see them—clearly and instantly.