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 provides a greater benefit to our customers through new-age products that focus on identifying and providing solutions to those who need it most. We believe balance is key, where the benefit is split between Customer, TrueTerm, and Stakeholder — and not the other way around. If all three benefit, we will always have a place in the industry.
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 more quickly than a revolving line — reducing interest and opportunity cost.
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.
First book: a $1M loan pool at a $3,000 expected average, originated over nine months (~37 loans per month). When that pool is placed, we have actuals — not a story — for the next round. Product build is a separate $1M. Facilities follow only after the tape exists.
~$3,000Average expected loan
~37 / monthLoans until $1M is placed (9 mo)
9 monthsLive actuals for the next raise
Demo narrative · Not a securities offering · Not licensed lending unless disclosed in-app