Andrena's agents read your documents, compare them against the actual rules of 40+ lenders, and return a clear pre-qualification. No call centers. No guesswork.
We named ourselves after a bee. Andrena — the mining bee — works alone but in concert. Quietly precise. Relentlessly accurate. Auto finance, we think, deserves the same:one decision, many specialists, zero noise.
Each agent owns a single check — income, residency, LTV, DTI, fraud — and runs it against a specific lender rule, in parallel. You watch the swarm work in real time.
Andrena doesn't skim. It rebuilds your financial picture line by line, flags inconsistencies, and tells you exactly which fields moved the decision.
DTI caps, LTV ceilings, residency, vehicle age, mileage — refreshed weekly from primary sources.
Every decision shows the rules it passed, the rules it didn't, and why.
Pre-qualification never touches the borrower's FICO. No hard pull until they choose.
Hand the F&I desk a packet they can fund, not a generic credit summary.
Few details. No SSN to start.
PDFs, images, phone photos — encrypted.
40+ lender rule sets, in parallel.
Pre-qual, lenders, what to bring.
Anonymized snapshot of the last hour. Andrena makes a call every few seconds, day or night.