Tupeer underwrites thin-file and damaged-credit borrowers using cash-flow signals — not just FICO — and matches them with lenders who fund whole loans at standardized rates.
A real lending operating system — not a referral marketplace, not a pricing-by-tip workaround.
We look at how money actually moves through your accounts, not just a three-digit score. Thin-file isn't a no.
One lender funds one loan in full. No fractional notes, no tip-based pricing, no securities-law gymnastics.
Direct peer-to-peer or bank-partner origination. Both rails converge in a single ledger with the same audit trail.
If your application isn't approved, you get the specific reasons within 30 days. Required by Reg B; built into the platform.
Daily delinquency progression, collections case management, lender statements, settlement reconciliation. All visible to ops.
High-risk admin actions require two-person approval. Append-only audit log on every administrative action.
Borrower journey, end-to-end.
Tell us how much you need and over what term. We accept thin files and don't pull hard credit at this stage.
Cash-flow signals + standardized eligibility rules. If approved, you see your offer with the APR, monthly payment, and total of payments before anyone funds it.
A lender on the platform commits to fund the full loan. Once they commit, the loan activates and shows up in your account.
Pay according to the schedule. We allocate fees first, then interest, then principal. No late fees on the first cohort.
Built for the regulators we're going to meet
Tupeer ships with the controls regulated lenders actually need: ECOA / Reg B adverse action notices, TILA / Reg Z disclosure versioning with acceptance evidence, idempotent webhooks with replay protection, append-only audit logs, an immutable double-entry ledger, and HMAC-signed partner webhooks.