Hello World, We’re Theorem.
We build credit underwriting technology that’s powered billions in lending across our funding network since 2014
What we offer
Custom Loan Integration Programs (CLIP)
A pioneering machine learning powered underwriting program
Sustainably expand your origination volume with the Custom Loan Integration Program (CLIP) and receive instant, accurate interest rates on applications
Assess loan applications in seconds with our API
Use CLIP to approve previously declined applications or alongside existing underwriting processes
CLIP can help you offer new financing products to your existing customers on your platform
Theorem Securitization As a Service (SaaS)
Originators, meet capital markets
Our Securitization as a Service (SaaS) program packages loans into credit products investors can hold
Partner With Us
Our network connects partners with what they need
Our access to capital and automated underwriting technology means we can help our partners grow their lending businesses
We build infrastructure to power our credit underwriting platform and funding network
- 01/ 03
Theorem Loan Score (TLS)
Discerning risk in a way few others can
Our industry needed a new standard. We stepped up. The Theorem Loan Score is a tested, machine-learning driven evaluation of the default risk of a loan. Trained on millions of historical loan records and data points, it evaluates a loan instead of assigning a credit score to a person.
- 02/ 03
Models that love to learn
We marry machine-learning with human insight
Terabytes of data can do more harm than good without the ability to interpret them. We iteratively test and train models to quantify risk down to each projected cash flow.
- 03/ 03
Data at our heart
Good underwriting requires great data management
We depend on data to meet our underwriting standards. From application, servicing and collateral data to channel and source information — we’re all about the big picture.
Why we exist
Consumer credit markets have an efficiency problem
We’re here to fix it
Help us change a trillion dollar market
We're more than just number crunchers or developers. We want curious minds with the drive to find new solutions in old credit markets. If that sounds like you, we'd love to chat.