Hand up, not hand out
We strive to leave the customer better off than we found them.
TrueTerm
Credit designed to end with an asset.
Fixed-term lending with a real payoff date — built so customer, company, and stakeholders can all win for the long run.
Vision
Balance that lasts
TrueTerm’s value proposition will be balanced between our customer, TrueTerm, and stakeholders. If all three benefit, we will always have a place in the industry. We hope others adopt our open-source vision to help those who need it most — our customers.
Principles
How we get there
Cycle discipline
This business is cyclical; we will not cut corners for an extra buck.
Humanity first
We lead with humanity first, then tech as an immediate second.
Open book
We share accomplishments and shortcomings with everyone.
Customers are our marketing
Our marketing is our customers — and we recognize that in our pricing.
Product features
What TrueTerm does
Differentiating features — not our principles. They can evolve by product line.
Finish line
Fixed term. Every payment reduces principal toward a known payoff date — not revolving min-pay.
Dual Look underwriting
Purpose-known Clearask plus a Second Look when a bureau-only box says no — with ability-to-repay gates that still win.
TrueTerm Score
Explainable score and policy weights. Powers our book — and bolts onto a lender’s bank, capital, and LMS via API.
Path
Start small. Prove. Scale.
Seed: build the product and fund a first loan pool. Learn on real payback. Then facilities as the book and underwriting earn the right to grow — without cutting corners for a cycle.
$1M + $1MProduct + first pool
~$2.5KStarter average
$25M → $100MFacility ladder
Demo narrative · Not a securities offering · Not licensed lending unless disclosed in-app