Show your loan book the way capital reads it.
Connect your portfolio once.
Use it in every funding conversation.
One portfolio, read the same way by everyone funding it.
Open an account and connect your book.
Register in one form. A person reads every registration and answers by hand.
Working with
The book is in one country, the money in another.
We work from the United States. The lenders we serve operate in Latin America, and the capital that funds them sits in North America and Europe.
Days to a first read
A package assembled from a connected book, not a folder rebuilt by hand over months.
Monthly, without chasing
Designed so the investor keeps seeing the portfolio for as long as the facility is out.
One standard, every lender
The same checks on every book, which is what lets two lenders be compared at all.
Money stops where
nobody can check the book.
Lenders are not short of demand and funds are not short of capital. What is missing between them is proof that holds up on more than one day of the year.
The numbers are self reported
The only evidence on the table is an export assembled by the party asking for the money.
Diligence restarts every time
Each investor rebuilds the same package by hand, in the local language and under local law. Most of those processes never finish.
The year in between is dark
Once the line is drawn, the next real look at the portfolio is twelve months away.
One day of the year the file is examined. On the other three hundred and sixty four, nobody is looking.
An audit is not the problem and we do not replace it. What a fund actually prices is the gap between two audit dates, and that gap is where the failures this market remembers were found after the fact.
One connection, two products.
Capital. The lender assembles its own package inside the platform, in the form an investment committee reads. Where the lender chooses to share it, it shares it directly.
Explore Capital →Analytics. Every month the investor behind the line sees the portfolio move, on anonymised data the lender agreed to share, with the flags that matter raised as they appear.
Explore Analytics →Your lending system connects over API. Every loan lands here the day it is written.
Documents are read and tied back to your own accounts. What does not reconcile is flagged.
Your book is measured on the same checks every book here is measured on, so a fund can read it without a translation layer.
Designed so the investor keeps seeing the book for as long as the money is out.
What changes once you connect.
Documents stop being the bottleneck
The loan tape is read, reconciled and attached once, instead of being rebuilt for every investor.
Behaviour goes on the record
A year of visible repayment history is worth more at the second raise than any pitch you can write.
Problems surface early
Concentration and related-party exposure appear while there is still time to act on them.
Only mandates that fit
The lender publishes its package to the investors it chooses. Mandate filters show which desks state a mandate for this asset and ticket.
What the platform actually reads.
Four sources, one reconciled view. Nothing here asks you to change how you originate or service a loan.
Every loan with the date it was written, its terms, its status and its history, pulled from the lending system rather than from a summary.
Everything a committee asks for. Nothing it did not.
The parts that do the work, described plainly. No model names, no dashboards you will never open, just the four things a lender and an investor both need.
Reconciliation, not retyping
The tape is read from the lending system and tied back to the lender’s own accounts. What does not agree is listed with the loans that caused it.
One record per loan
Every loan carries its own history from the day it was written, so a closed quarter cannot be tidied up afterwards.
rfc → withheld
name → withheldaggregated at portfolio level
Pseudonymised by default
Borrower identities stay with the lender. Reporting is built on pseudonymised records aggregated to portfolio level, under the data processing terms agreed with each lender.
We are not a bureau. We hold no credit bureau licence. We assign no rating, grade or score to any lender, instrument or borrower, and produce no creditworthiness assessment. We read a lender’s own portfolio with that lender’s consent.
Delivered where the investor works
A monthly reading over API or as a file, to the recipients the lender agreed to and to nobody else. Every delivery is logged and visible to both sides.
We do not replace the audit.
An audit reads a closed period once a year, and by the audit date the file is in order.
An audit opens a sample, by design and by standard. It is not built to open every application. The eleven months in between belong to nobody.
Signs the year once it is over.
That signature is the one thing we cannot give you, and we are not trying to. It closes a period that has already happened.
Once a year, on closed quartersHolds the year up to the light while it runs.
Which is the only window in which anyone can still act on what it shows, and the reason an investor keeps lending.
Every day, up to yesterdayWhat we learn from reading loan books.
We publish what the data actually says about non-bank lending, with the arithmetic attached, and every source named.
Bring us a book.
We will show you what the platform measures in it.
Thirty minutes, no pitch. You show us how you lend, we show you the package an investor asks for and where yours falls short today.
- ✓A read on your book from the investor side
- ✓The gaps that stop a line, named specifically
- ✓A straight answer on whether the book is measurable today