We don't stop learning. Neither does our technology.
We use machine learning to train our network, run experiments and develop datasets based on individual loan applications. As we see more applications from more partners, we improve our ability to deliver pricing, a better view of the big picture, and ultimately - fairer credit.
Access to over a hundred million training data points
Integration of our partners' custom loan programs
Platform agnostic experimentation and validation
Programmatic purchase of loans using ML-enabled risk assessment
Truthful metrics. Truthful credit.
The Theorem Loan Score (TLS) goes beyond using traditional metrics to assess individual loan-level risk. We use millions of data points to assess loans down to their cashflows — including the expected value of each payment.
Live loan scoring
By plugging into the underwriting process at the time of the application via API, we can generate a more accurate, real-time loan score
We designed TLS to be comparable across originators and asset classes in order to offer a consistent view of risk across a portfolio
Use our underwriting technology to increase origination volume
Underwriting as a Service
Add financing to your Platform
We can be the default underwriting engine and capital provider for partners who want to focus on the customer relationship
Our 2nd-look programs help partners approve loans they would otherwise decline
Our underwriting technology helps partners add new point-of-sale financing options for their customers
Built to integrate
CLIP is a decision engine designed to plug into your existing underwriting flow and start scoring applications
Designed to be flexible
Programs can be as simple as calling our API for results, but we can also build deeper integrations to drive origination volume
Our API can provide instantaneous credit assessments based on loan application data
Connecting originating platforms to capital markets
Exposure across originators
Consistent risk lens
Sell loans through Theorem
Theorem securities can offer access to loans from multiple originating platforms in one place
Theorem Loan Score can score loans in our network to ensure a consistent view across originating platforms
Our securitization engine works for our originating platforms so they can focus on the borrower experience
Theorem helps you say yes, more often — accurately
If you're interested in an origination program integration, we'd love to talk to you