KreditMateCONTACT

Lending is a prediction problem.So we built a better predictor.

KreditMate will be a new regulated lender, powered by a proprietary AI designed for the complexity of lending data.

THE ENGINE

Six years of R&D.

The transformer is the revolutionary technology behind every modern LLM, but it was designed to work with text.

Yet the world also runs on something else - Structured Data.

Large-scale, variably sized, linked tables of messy numerical, categorical, time-series and missing data.

Adapting this architecture for Structured Data is one of the most exciting and difficult frontiers in AI.*

And we've done it.

Nowhere does the solution pay off more than in lending, where accurate underwriting is the foundation of every great lender.

THE DETAILS

AI for regulated lending.

A step change in underwriting accuracy.

Responsible, fair, explainable, auditable credit.

THE DATA

Data was never the issue.
Models were.

Every borrower has a different digital footprint.

In consumer lending that's application data, a bureau file, Open Banking transactions or previous loan history.

Conventional models, like XGBoost, need one flat table with one row per borrower to function.

The rich and varied borrower data is collapsed - signal is lost before the model even sees anything.

To compensate, lenders build thousands of engineered columns trying to recapture what was destroyed.

Our engine reads the relational data as it is.

DATA ROADMAP

Seeing the whole borrower.

As KreditMate grows, its underwriting engine will draw on a wider range of data to build a deeper understanding of every borrower and make more accurate lending decisions.

  1. Get lending

    • Bureau

    Find the good ones others deem risky

  2. Income & spending

    • Application
    • Open Banking

    Thin files become lendable

  3. Ever more data

    • Digital journey
    • Prior Loans
    • Macro overlay

    Unrivalled underwriting accuracy

  4. Personal agentic era

    • Cash-flow plan
    • Mandates
    • All obligations
    • Purchase context
    • Live feed

    Data only KreditMate can consume

THE LAUNCH

Where credit matters most.

We are launching in consumer credit, at the boundary between near-prime and sub-prime, with fully amortising £1,000 loans over 12 months.

The need for this is large. The market isn't addressing it.
Our accuracy lets us lend here safely.

  1. Demand at this size is large and persistent - emergencies, essentials, and debt refinance.
  2. Many of these borrowers are perfectly healthy, but thin files or crude scoring means lenders decline or overprice them.
  3. Lenders have withdrawn, and the vacuum they left often pushes people towards unregulated and illegal alternatives.
  4. That gap is now widely recognised, and the industry and its policy bodies are calling for responsible lenders to close it.
  5. Consumer credit is also exceptionally data-rich, perfect for our engine to reveal a deeper layer of predictive accuracy.

WHAT FOLLOWS

An engine for every kind of lending.

Non-prime consumer lending is where we start, not where we stop. In every new market we follow the same playbook: prove the engine on our own book, then license it, bringing accurate, fair pricing to more people and businesses.

Launch with non-prime consumer lending, then expand into consumer lending up and down the credit curve and credit cards, auto loans secured on a vehicle, SME working capital, and asset-backed invoice, inventory and equipment finance.

BUILT BY BUILDERS

The engine exists. Building the lender is next.

Join us on the journey.