We built the layer that makes a lending book checkable.
Not a lender, not a rating agency and not a bureau. We stand between a book and the capital that funds it, and our whole job is that the two sides read the same thing.
The market did not run out of capital. It ran out of proof.
Three lenders failed on reporting, not on losses
AlphaCredit entered insolvency in 2021. Crédito Real defaulted on a bond in 2022 and was later ordered into judicial liquidation. Unifin halted payments on $2.4bn of foreign notes the same year. None of the three failed because borrowers stopped paying.
The capital did not leave, the trust did
Funds still want this asset class and lenders still have demand. What broke is the middle: nobody can verify a book quickly enough for a process to finish, so most of them do not.
An audit cannot cover the gap
An audit reads a closed period once a year, and no auditor has the infrastructure to open every application when there are hundreds of thousands of them. The eleven months in between belong to nobody.
We do not dress up a book.
If the numbers do not reconcile, that is what the package says. We stopped a financing of our own after a check found the lender absent from the national registry, and we would rather lose the work than put our name on a book we cannot stand behind.
We do not lend
No credit balance and no origination of our own. We have no position in any book we read.
We do not decide
The credit decision stays with the investor. Our output is a reconciled view, never a recommendation.
We are not a bureau
We hold no credit bureau licence and we do not score consumers. We read a lender's own portfolio with that lender's consent.
Two people who have been on both sides of this.
Egor Lapin
Ex Direct Credit. Won a million dollars in Skolkovo grants. Builds the scoring engine and the connectors that read a lender's core, which is the part of this product nobody sees and everything else depends on.
People who have built this before.
Two of them founded lending businesses in the markets we operate in. The third opens the conversations with capital that a first time founder does not get.
Where we write it down.
The reasoning behind everything on this page is published in the open. The people are on LinkedIn under their own names, on the cards above. These are the company's own.
Book a demo.
Tell us how you lend and what the capital is for. We will show you the platform on your own numbers and give you an honest read.
- ✓Thirty minutes, nothing prepared
- ✓An honest read before you spend months on diligence
- ✓We say no when the mandate does not fit