We built the layer that makes a lending book checkable.
Not a lender, not a rating agency and not a bureau. We measure the book, and both sides read the same measurement.
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 would rather lose the account 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.
People who have built lending businesses before.
Two of them founded lending businesses in the markets this product serves. The other two sit on the capital side, and they know what an investment committee asks before it asks it.
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.
Get an honest read.
Tell us how you lend and what the capital is for. We will show you the platform reading a book like yours.
A founder reads it and answers within one business day, with a time that suits you.
- ✓Thirty minutes, nothing prepared
- ✓An honest read before you spend months on diligence
- ✓We say no when the book cannot be reconciled