Salient builds AI agents that automate the loan servicing workflow for regulated financial institutions — banks, auto captives, and specialty lenders. Its platform handles borrower interactions across voice, text, email, and chat, automating collections calls, payment disputes, insurance verification, compliance monitoring, and charge-off management. Instead of a human call center agent following a script, Salient's AI agent conducts the conversation, logs it, checks it for regulatory compliance in real time, and processes the transaction — all without human intervention. Founded in 2023, it has quickly become the dominant AI servicer in auto lending, working with more than five of the top ten U.S. auto lenders including Westlake Financial, American Credit Acceptance, Exeter Finance, and Consumer Portfolio Services. The pitch to lenders is concrete: 60%+ reduction in handle times, 50% servicing cost savings, and compliance rates 30x higher than human agents. The company is cash-flow positive, with $25M ARR achieved in under two years on a very small team — and is now scaling product and engineering to expand into mortgages, credit cards, and a full loan management system.