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.
If you don't see your question here, email info@tupeer.com.
There's no application fee, no platform fee, and no fee to receive an offer. The only cost is the standard interest disclosed in your TILA disclosure before any loan is finalized. We don't have late fees on the first cohort.
No hard credit pull at the application stage. We use cash-flow signals — bank-account-derived income and expense patterns — for the underwriting decision. Hard pulls happen only at loan finalization, and only with your explicit consent in the loan documents.
Most applications get a decision within minutes. If we approve you, the offer is presented to a lender on the platform; once a lender commits, the loan activates and shows up in your account.
You get an adverse-action notice within 30 days listing the specific reasons, as required by ECOA / Reg B. The notice will also tell you which consumer reporting agency (if any) we used and how to get a free copy of your report.
No. Lenders see the loan amount, term, APR, and a risk grade. They don't see your name, contact info, address, or any directly identifying information. We service the loan on the lender's behalf so they never need your contact data.
We earn a small servicing fee from the lender on each loan we service. Borrowers pay only what's in the TILA disclosure; lenders see the servicing-fee rate before they commit. No tips, no hidden fees, no surprise charges.
No. Tupeer does not sell or share consumer personal information for cross-context behavioral advertising (CCPA Sec. 1798.140). You can review our Privacy Policy and exercise CCPA data rights from inside your account ("Data rights" in the sidebar).
We're currently in pre-launch — onboarding the first cohort of borrowers + lenders. Join the waitlist above and we'll email you when your state becomes eligible. Lenders interested in funding early loans can reach info@tupeer.com directly.
Built for the regulators we're going to meet
Tupeer is pre-launch and these controls are being finalized with counsel before live consumer onboarding. We're building toward the regulatory regimes below — current status: scaffolding shipped, review in progress.
Counsel-reviewed Privacy Policy + Terms, vendor SOC 2 attestations, annual penetration test, and sponsor-bank Master Services Agreement land before live consumer applications open. We don't currently process cards (so PCI-DSS doesn't apply yet) and FinCEN BOI files at incorporation.