Two Sigma Ventures

Theorem

theoremlp.com

Theorem builds credit underwriting technology that leverages machine learning to enhance the efficiency of consumer debt markets. Since its inception in 2014, Theorem has powered billions in lending through its innovative products like the Custom Loan Integration Program (CLIP) and Securitization as a Service (Saa S). Theorem differentiates itself by providing a unique loan scoring system that evaluates risk based on historical data rather than traditional credit scores. With a focus on partnerships and transparency, Theorem aims to empower originators and manage risk for investors, positioning itself as a leader in the evolving credit landscape.