What the vendor claims
Northteq says Aurora takes a deal from application to documentation in about three minutes on an install. The listed steps are quote, score, decision, and document. Score means an automated credit score. Decision means the approve-or-decline step.
Three minutes is a vendor claim about a clean, automated flow. Real deals with exceptions take longer. Ask to see both the fast path and the exception path.
Automation applies your rules
Automated scoring and decision workflows are real capabilities Aurora describes. The decisions those workflows make are yours: your credit team writes the policy, sets the thresholds, and decides which exceptions route to a person.
Ask how rules are set, who can change them, and how overrides are recorded. A good system shows you every automated decision and every human override, side by side.
The re-keying test
Count how many times a person types the same customer name between application and documents. Use the tool below with your own numbers to price that labor today.
Demo checks
- Run a clean deal start to finish and time it.
- Run a deal that fails a rule and show the exception path.
- Show who can override a decision and how it is logged.
- Generate the document package from deal data.
The exception path matters
Fast demos show clean deals. Real portfolios have exceptions: missing documents, thin credit, unusual equipment.
Ask to see a deal that fails a rule. Where does it go, who works it, and how is it documented? The exception path is where your team actually lives.
Also ask how a second applicant or guarantor is handled. Equipment deals often have more than one name on them, and weak systems force a second application instead of one linked file.
Interactive tool
Manual re-keying cost
Count how many records your team re-types each month and how long each takes. Loaded hourly cost means wage plus benefits and overhead.
| Hours per month | 10.0 |
| Labor value per month | $350 |
| Rekey labor + software per funded deal | $14.00 |
Cost per deal covers only re-keying labor plus the software line item. It is not a full origination cost.
Want the full worksheet set? Open the partner tools.
Sources
- Northteq — Aurora LOS checked 2026-11-05
- Northteq — Geneva Capital checked 2026-11-05
Based on public product documentation. We have not tested a private account. Landscaping Equipment Financing LLC is an independent commercial equipment finance broker, not a lender, and not affiliated with any software vendor listed here.