How it works
From file to first meeting
Everything happens on the platform until the two sides know each other. From that point on it is between them, and we stay out of it.
Step 1 — The borrower submits the need and documents
Amount, term, purpose, source of repayment and collateral. Uploaded documents are extracted automatically, including photographs and scans.
Step 2 — The system issues a credit scoring report
Each criterion is scored separately with reasoning drawn from the file itself, then combined by weight into a score on a 0–1000 scale and a grade from AAA to D. The report is rendered to PDF for the borrower to read, download and use.
- The total is computed by the system, not produced by a language model
- Every criterion cites concrete evidence that can be checked
Step 3 — Anonymous listing
The need appears in the list arrangers see, but without name, phone number, tax code or address. They see amount, term, purpose, location, industry and credit grade — enough to judge fit.
Step 4 — Request access, borrower decides
The arranger sends a request with a short message. The borrower reads it, sees who the other side is and which area they cover, then decides. Details and documents open only on agreement.
- Borrowers see who accessed the file and which documents were downloaded, and when
- Borrowers can revoke access at any time
Step 5 — The two sides meet
Due diligence, rate negotiation and the credit agreement happen directly between them. The arranger then records the outcome on the platform and the borrower confirms it — for statistics only.