Theorem
Underwrite credit with technology that has powered billions in lending.
Theorem provides credit underwriting infrastructure for consumer debt markets, addressing inefficiencies in access to credit, originator underwriting capabilities, and investor transparency. Its platform connects originators with capital through automated underwriting and loan packaging.
Core offerings include the Custom Loan Integration Program (CLIP), a machine learning-powered underwriting program that returns interest rates on applications via API, and the Theorem Loan Score (TLS), a model evaluating a loan's default risk rather than assigning a borrower credit score. Securitization as a Service packages loans into credit products for investors. The company also manages data across application, servicing, and collateral sources to support its models.
Theorem serves loan originators seeking to expand origination volume or launch new financing products, as well as capital markets participants evaluating loans. Packaging details such as free plans, trials, or seat-based pricing are not specified on the pages provided.
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