Credit & Lending
Earn 5× the revenue per customer — by launching the credit your customers, workforce, suppliers, and partners want to use.
How it works
Theorem underwrites credit using the data you already hold — order history, AR aging, payment behavior, payroll, marketplace activity. Originate offers in real time; disburse against the same accounts you operate from.
Monitor covenants on live data. Repay automatically from cash flows. Earn the spread, the origination fee, or share in NIM with the underlying lender.
Value
Three pillars
Capital on your terms.
Credit facilities designed for modern businesses — fast, flexible, and fully transparent.
AI-Powered Underwriting
Real-time financial data analysis delivers instant credit decisions. Revenue trends, cash flow patterns, receivables quality, and payables timing are all factored into a transparent risk assessment with full explainability.
Flexible Credit Structures
Revolving lines, term loans, and hybrid facilities adapt to your business needs. Draw down funds on demand, repay on your schedule, and modify terms as your business evolves — all through a single platform.
Real-Time Portfolio Monitoring
Continuous covenant tracking, financial health monitoring, and early warning alerts keep you ahead of any issues. Automated reporting ensures full compliance with facility terms and regulatory requirements.
Agents in action
Credit as infrastructure.
Agents that handle the full credit lifecycle — from underwriting to portfolio monitoring — with complete auditability.
Agents coordinate every decision
A single credit application triggers underwriting, facility structuring, and covenant monitoring agents that work in parallel and resolve autonomously.
Better decisions over time
Every credit decision, repayment pattern, and covenant review feeds back into the model. Your underwriting gets sharper with every facility.
Encode your risk appetite, pricing models, and facility preferences into structured training data.
Train models on your portfolio performance, default patterns, and industry-specific risk factors.
Execute instant credit decisions with full risk assessment, covenant monitoring, and compliance checks.
Better pricing and faster approvals with each facility as models learn your credit portfolio dynamics.
Access flexible capital.
See how Theorem delivers instant credit decisions with transparent pricing and flexible structures.