Lenders
Lenders succeed or struggle based on how well they understand performance across their portfolios.
Tracking balances, prepayments, and risk concentrations shouldn’t require hours in Excel or custom-built reports. But for many lending teams, these insights are buried in raw data and siloed spreadsheets.
Dark Sky Data makes it easy. Upload your file, set your filters, and instantly visualize how your loans behave—by product, channel, region, or partner. No code. No formulas. Just answers.
Balance Curves show how money moves. Experience Curves show when events happen.
Together, they give lenders a complete behavioral picture—financial decay and operational signals in one view.
And your data stays yours—we don’t store it, retain it, or reuse it in any way.
BALANCE CURVES
See how your loans actually pay down—by cohort, by channel, month over month.
Balance Curves turn raw loan data into clear, vintage-aligned views of balance reduction over time. Whether you’re monitoring prepayment trends or validating partner performance, this tool delivers the insight without the spreadsheet pain.
Use it to spot early exits, slow amortization, and risk pockets before they show up in portfolio results.
Minimum required columns:
- Fund Date
- Original Balance ($)
- Periodic Balances
- Term (in months)
- Date of Data Download
Have more fields? Perfect. Filter by anything: Dealer, Region, Channel, Product Type, Finance Source, Risk Tier—whatever you want, in seconds.
From raw data to clarity—in seconds.
DO YOU WANT TO KNOW?
- How fast are loans paying down across different products or partners?
- Are some dealers or channels driving early prepayments—or late ones?
- How does amortization vary by region, credit tier, or origination month?
- Which portfolios show signs of slow balance reduction or increased risk?
- How quickly is capital being recycled across vintages?
- Are long-term loans performing as expected over time?
You can answer every question yourself—the answers have always been in your data.
Easy to Use
- Upload your Excel file
- Choose your filters
- View the graph instantly
- Download your results
No coding. No formulas. No data science degree required.
Just fast, clear answers—ready in seconds.
EXPERIENCE CURVES
See when portfolio events actually happen—delinquencies, defaults, prepayments, and more.
Experience Curves transform event-driven data into clear, time-aligned views of borrower behavior—measured from the moment of origination. Whether you’re tracking when defaults occur or how quickly loans prepay, this tool reveals patterns you can’t see in spreadsheets alone.
Aligned by fund date and normalized across cohorts, Experience Curves help lenders analyze the timing of operational events across products, channels, or customer segments—with just a few clicks.
Use it to model risk exposure, forecast loss timing, or uncover early warning signs across your portfolio.
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: Dealer, Region, Channel, Product Type, Finance Source, Customer Type—whatever you want, in seconds.
From scattered events to structured insight—in seconds.
DO YOU WANT TO KNOW?
- When do most defaults occur—Month 3, Month 9, or Month 18?
- Which products or channels have the highest early delinquency rates?
- Are certain credit tiers more likely to prepay in the first year?
- How does default timing differ by region, loan term, or origination vintage?
- Which dealers or partners are linked to early risk signals?
- What does my loss curve really look like—and when should I reserve for it?
If it’s in your data, we’ll help you surface it—clearly and instantly.
Easy to Use
- Upload your Excel file
- Choose your filters
- View the graph instantly
- Download your results
No coding. No formulas. No data science degree required.
Just fast, clear answers—ready in seconds.
MARKETING RESPONSE CURVES
Response Curves show how prospects engage with your outreach—day by day, campaign by campaign.
Whether you’re mailing loan offers, sending emails, or making outbound calls, this tool reveals how quickly prospects respond—and which campaigns actually drive action.
Aligned by initial contact date and grouped by any field in your file, Response Curves let lenders track engagement across products, credit tiers, geographies, and list sources—with just a few clicks.
Use it to optimize acquisition timing, compare vendors, A/B test offers, and predict call center volume before the phones start ringing.
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: List Source, Channel, Credit Tier, Geography, Campaign ID, Product Type—whatever matters to your marketing team.
From outbound efforts to engagement intelligence—in seconds.
DO YOU WANT TO KNOW?
- Which campaign—A or B—drove faster responses from qualified borrowers?
- How many days does it typically take for prospects to respond to a mailed offer?
- Do different credit tiers respond at different speeds—or not at all?
- Are responses faster when offers are sent by mail, email, or outbound calls?
- Which list vendors or lead sources deliver the most engaged prospects?
- How does response timing vary by region, channel, or product type?
If it’s in your file, we’ll help you see it—clearly and instantly.
Easy to Use
- Upload your Excel file
- Choose your filters
- View the graph instantly
- Download your results
No coding. No formulas. No data science degree required.
Just fast, clear answers—ready in seconds.
Benefits
TIME
Build a curve with filters in under 60 seconds
Skip the 10+ hours it takes to do it manually in Excel
ACCURACY
Remove human error with automated calculations
Trust every curve—logic is transparent and repeatable
FLEXIBILITY
Filter on any field in your dataset
Works with your structure—no need to reformat files