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The mission of Theorem is to make credit safe and available. We use…
Theorem conducts independent underwriting of consumer loans originated by banks, credit cards companies and other lenders. We utilize this information to manage institutional capital and securitize loans
Theorem builds credit underwriting technology powered by a machine-learning driven platform to assess and manage loan risk within a funding network. They offer underwriting systems, a securitization service, and an API to integrate loan assessment and approval into partners' workflows.
- Custom Loan Integration Programs (CLIP): a ML-powered underwriting program that assesses loan applications in seconds, can approve previously declined applications, and enables offering new financing products on a partner platform. - Securitization As a Service (SaaS): packages loans into credit products for investors, connecting originators with capital markets. - Theorem Loan Score (TLS): a machine-learning evaluation of loan default risk trained on historical loan data, designed to evaluate loans rather than individuals. - Data-driven underwriting infrastructure and ongoing model improvement through iterative testing and training, with emphasis on data management across application, servicing, collateral, and channel information.
Who it’s for: Originators and lenders seeking to expand origination volume, partners needing access to capital markets, and platforms seeking integrated underwriting and securitization capabilities.
Careers page and multiple office locations suggest active hiring and growth; mentions of partnerships and a funding network imply market traction and collaboration activities.
Prior to Levro, Abeer was the Co-founder & CTO of Theorem (YC W14), a machine learning enabled hedge fund which he built to over $1bn+ in AUM. Abeer holds degrees in Electrical & Computer Engineering and Computational Finance from Carnegie Mellon University.
How Theorem’s homepage introduced itself over the years — each line is the page title the web actually saw, linked to that moment’s archived capture.
Formerly “Algorithmic Lending” · why startups rename →
Program verification so even your systems engineers can vibecode
Bridging a world of consumer-permissioned credit data
