The operating system for committee-funded loans: votes, amortization, privacy, and clean books.
Digitize trusted informal finance with audit-ready books — expand community capital without predatory intermediaries. SaaS to organizers; rails optional.
Informal finance is not ‘unbanked ignorance’ — it is trusted capital without software. Digitize trust without extracting the community.
Antonio Calderon
Entrepreneur and Founder & CEO of KinLedger, Inc. He has spent over 20 years in financial services, with lending experience in large institutions and, most recently, startups—contributing significantly to product, pricing, financial modeling, and Finance team setup. Education: Colorado State University.
Antonio is focused on bringing financial lending and education to people who stand to benefit most: customers who always pay but often do not realize what they give up with credit card minimums or high-rate new credit. Products are designed so the customer and the fintech both win—when everyone benefits: lower charge-offs, higher approvals, and a stronger financial position for the customer. On select products, pay in full and finish with an asset at the end of the loan.
Come join this sophisticated approach.
