Theorem uses data science and machine learning to invest in marketplace lending loans

What We Do

Person Data

Machine Learning & Big Data aimed at identifying top loans originated by online lenders

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Combine data science and statistical discoveries with credit analysis and human insights to improve the quality of credit pricing decisions

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Theorem targets strong, short-duration yields across the business cycle for investors

Our Process

Big Data

We harness billions of data points to build proprietary models for borrowers, loan originating platforms and products, and to map economic cycle conditions in ways not previously possible.

Theorem’s loan scoring technology can assess up to 60,000 decision points when analyzing each loan

Human Insights

Industry-leading team of researchers and technologists combines data science and statistical discoveries with credit analysis and human insights with the goal of making more accurate credit pricing decisions.

Better Models

Theorem applies its independent underwriting and pricing systems to monitor loan origination quality to identify investment opportunities and to quickly react to deterioration in platform underwriting practices

History

Theorem was formed in 2013 after incubating with Y Combinator and launched its first fund in 2014, followed by its second fund in 2017. Theorem currently manages more than $2 billion for endowments, foundations, sovereign wealth funds, pensions, healthcare organizations, insurance companies and family offices worldwide.

Resources

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