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 1. 1Home
 2. 2What We Offer
 3. 3Partner With Us
 4. 4Our Technology
 5. 5Why We Exist

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HELLO WORLD, WE’RE THEOREM.

Hello World, We’re Theorem.


We build credit underwriting technology that’s powered billions in lending
across our funding network since 2014


WHAT WE OFFER


CUSTOM LOAN INTEGRATION PROGRAMS (CLIP)




A PIONEERING MACHINE LEARNING POWERED UNDERWRITING PROGRAM

Sustainably expand your origination volume with the Custom Loan Integration
Program (CLIP) and receive instant, accurate interest rates on applications

Discover products


 1. 1
    
    Assess loan applications in seconds with our API
    


 2. 2
    
    Use CLIP to approve previously declined applications or alongside existing
    underwriting processes


 3. 3
    
    CLIP can help you offer new financing products to your existing customers on
    your platform


THEOREM SECURITIZATION AS A SERVICE (SAAS)




ORIGINATORS, MEET CAPITAL MARKETS

Our Securitization as a Service (SaaS) program packages loans into credit
products investors can hold

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PARTNER WITH US


OUR NETWORK CONNECTS PARTNERS WITH WHAT THEY NEED




Our access to capital and automated underwriting technology means we can help
our partners grow their lending businesses

Become a partner



OUR TECHNOLOGY


WE BUILD INFRASTRUCTURE TO POWER OUR CREDIT UNDERWRITING PLATFORM AND FUNDING
NETWORK


 1. 01/ 03
    
    
    THEOREM LOAN SCORE (TLS)
    
    
    
    DISCERNING RISK IN A WAY FEW OTHERS CAN
    
    Our industry needed a new standard. We stepped up. The Theorem Loan Score is
    a tested, machine-learning driven evaluation of the default risk of a loan.
    Trained on millions of historical loan records and data points, it evaluates
    a loan instead of assigning a credit score to a person.

 2. 02/ 03
    
    
    MODELS THAT LOVE TO LEARN
    
    
    
    WE MARRY MACHINE-LEARNING WITH HUMAN INSIGHT
    
    Terabytes of data can do more harm than good without the ability to
    interpret them. We iteratively test and train models to quantify risk down
    to each projected cash flow.

 3. 03/ 03
    
    
    DATA AT OUR HEART
    
    
    
    GOOD UNDERWRITING REQUIRES GREAT DATA MANAGEMENT
    
    We depend on data to meet our underwriting standards. From application,
    servicing and collateral data to channel and source information — we’re all
    about the big picture.

Discover our technology



WHY WE EXIST


CONSUMER CREDIT MARKETS HAVE AN EFFICIENCY PROBLEM

We’re here to fix it

Learn more about Theorem


HELP US CHANGE A TRILLION DOLLAR MARKET

We're more than just number crunchers or developers. We want curious minds with
the drive to find new solutions in old credit markets. If that sounds like you,
we'd love to chat.


FEATURED POSITIONS


 1. RESEARCH
    
    San Mateo, California, United States and New York, New York, United States
    Technology
    
    

Browse careers

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Theorem empowers our originating partners and lenders to unlock clarity by using
machine learning to anticipate and manage risk in credit.

© Theorem 2024