# Setpoint

> Leading capital providers and borrowers gain speed and accuracy by working together on Setpoint’s collaborative AI platform.

## Platform

- [Asset Allocator](https://setpoint.io/platform/capital-os/asset-allocator)
- [Calculation & Data Agent](https://setpoint.io/platform/roles/calculation-and-data-agent): Setpoint independently verifies borrowing base, funding, and settlement calculations, with the underlying data and a full audit trail behind every result.
- [Capital OS](https://setpoint.io/platform/capital-os): Setpoint Capital OS turns credit agreements into software: automated borrowing base reports, covenant and concentration tracking, and funding in under 24 hours.
- [Data OS](https://setpoint.io/platform/data-os): Setpoint Data OS uses ABF-trained AI to extract, standardize, and verify loan tapes and servicer data from any source, checking every loan against the tape.
- [Insight OS](https://setpoint.io/platform/insight-os): Setpoint Insight OS tracks delinquency, prepayment, pool factor, and covenant triggers across every facility and answers portfolio questions in plain English.
- [Platform](https://setpoint.io/platform): Setpoint runs asset-backed finance operations on one platform: loan tape verification, borrowing base and compliance automation, and portfolio monitoring.
- [PledgeCheck](https://setpoint.io/platform/roles/pledgecheck): PledgeCheck certifies every pledged asset is real, unique, and accurately reported. Cross-facility checks catch double-pledged collateral before funds move.
- [Roles](https://setpoint.io/platform/roles): Setpoint serves as independent verification agent, calculation agent, third-party reviewer, and collateral certifier for ABF facilities and securitizations.
- [Third Party Review](https://setpoint.io/platform/roles/third-party-review): Rated TPR approved by Fitch, KBRA, Morningstar DBRS, and S&P. Non-QM, DSCR, HEI, RTL, and more, graded to your guidelines in 24 to 48 hours.
- [Verification Agent](https://setpoint.io/platform/roles/verification-agent): Setpoint verifies borrower data tapes against collateral documents on up to 100% of the pool before funding, with exception reports and a certificate.

## Solutions

- [Borrowers](https://setpoint.io/solutions/borrowers): Originators, issuers, and fintech lenders use Setpoint to automate borrowing base and servicer reporting, optimize collateral, and borrow more.
- [Capital providers](https://setpoint.io/solutions/capital-providers): Banks, private credit funds, and insurers use Setpoint to verify collateral and calculations before funding, catch double pledging, and monitor every facility.

## Company

- [About](https://setpoint.io/company/about): Setpoint builds the AI-native operating standard for asset-backed finance, pairing AI with capital markets experts so lenders and borrowers share verified data.
- [Careers](https://setpoint.io/company/careers): Join Setpoint in Austin, New York, and Salt Lake City. Engineers, operators, and capital markets specialists building AI for asset-backed finance.
- [Newsroom](https://setpoint.io/company/newsroom): Setpoint news: the $31M Series B from Wells Fargo, Citi, and a16z, the PledgeCheck launch, S&P Global TPR approval, and the inTENT Fulfillment acquisition.

## Pages

- [Book a demo](https://setpoint.io/book-a-demo): Talk to Setpoint's capital markets experts. Request a demo or launch a custom pilot.
- [Customers](https://setpoint.io/customers): KKR, Ares, Barings, Carvana, Figure, Coast, Fundbox, and GreenSky run asset-backed finance on Setpoint. See how Fundbox, Pathway Homes, and Backflip cut reporting time.
- [Events](https://setpoint.io/resources/events): Setpoint has hosted 50+ invite-only ABF events in 15 cities for 870+ firms, with co-hosts including J.P. Morgan, Citi, Blue Owl, and a16z. Request an invite.
- [Insights](https://setpoint.io/resources/insights): Setpoint's capital markets experts on ABF risk, verification agents, double pledging, and the new operating standard for asset-backed finance.
- [Resources](https://setpoint.io/resources): Analysis, customer stories, product news, and events from Setpoint's capital markets experts on asset-backed finance and private credit operations.

## Articles and news

- [A New Operating Standard for Asset-Backed Finance](https://setpoint.io/resources/a-new-operating-standard-for-asset-backed-finance): Discover Setpoint's new brand and vision for asset-backed finance: a more connected, intelligent operating standard where capital works together.
- [Setpoint Serves as Third-Party Diligence Platform for Figure’s $316 Million HELOC Securitization](https://setpoint.io/company/newsroom/setpoint-serves-as-third-party-diligence-platform-for-figures-316-million-heloc-securitization)
- [The Verification Agent Question Capital Providers Aren’t Asking](https://setpoint.io/resources/the-verification-agent-question-capital-providers-arent-asking): When you buy a house, would you trust the appraiser that the seller recommends? No; underwriting standards dictate that the lender on the mortgage…
- [ABF’s Risk Reckoning: Four Takeaways from a Dinner with Capital Providers](https://setpoint.io/resources/abfs-risk-reckoning-four-takeaways-from-a-dinner-with-capital-providers): Last month we hosted a dinner at Central Park Club with leaders from bulge-bracket banks, global asset managers, and some of the largest private…
- [Setpoint Announces Agreement to Acquire inTENT Fulfillment and Expands Rating Agency–Approved Loan Diligence](https://setpoint.io/company/newsroom/setpoint-announces-agreement-to-acquire-intent-fulfillment-and-expands-rating-agencyapproved-loan-diligence): Setpoint, the operating system for asset-backed finance, today announced that it has signed an agreement to acquire inTENT Fulfillment, a specialized loan diligence and transaction management firm with deep rating agency relationships and decades of experience across all residential mortgage and home equity products.
- [Lessons From a Market Wake-Up Call](https://setpoint.io/resources/lessons-from-a-market-wake-up-call): Recent headline-making failures have exposed longstanding vulnerabilities in asset-backed finance and ushered in a new era of scrutiny—one where…
- [Setpoint Launches Industry Standard to Stop Double Pledging After Tricolor and First Brands Collapse](https://setpoint.io/company/newsroom/setpoint-launches-industry-standard-to-stop-double-pledging-after-tricolor-and-first-brands-collapse): The leading capital markets infrastructure platform introduces a certification to verify collateral integrity across lenders and borrowers.
- [Collapse of Tricolor, First Brands highlight need for new standards in asset-backed finance](https://setpoint.io/resources/collapse-of-tricolor-first-brands-highlight-need-for-new-standards-in-asset-backed-finance): Double pledging is as old as markets. The Code of Hammurabi governed pledges more than 4,000 years ago. The first recorded court dispute of a…
- [Building Lender Confidence Across Every Syndicated Facility](https://setpoint.io/resources/building-lender-confidence-across-every-syndicated-facility): Syndicated credit facilities are supposed to distribute risk—not create risk. But for anyone who has managed one, the reality feels different:…
- [How Fundbox Increased Leverage and Cut Reporting Time in Half with Setpoint](https://setpoint.io/resources/how-fundbox-increased-leverage-and-cut-reporting-time-in-half-with-setpoint): As a pioneer in embedded capital products, Fundbox has helped over 150,000 small businesses unlock more than $6 billion in credit. Their growth as…
- [How Pathway Homes Gained Efficiency and Strengthened Lender Relationships with Setpoint](https://setpoint.io/resources/how-pathway-homes-gained-efficiency-and-strengthened-lender-relationships-with-setpoint): Pathway Homes, a single-family residential leasing platform, provides aspiring homeowners with rent-to-own solutions that help them transition…
- [How Setpoint Empowers Backflip to Scale with Lean Operations](https://setpoint.io/resources/how-setpoint-empowers-backflip-to-scale-with-lean-operations): Setpoint is a breath of fresh air in a traditionally antiquated industry. We are philosophically aligned around the fact access to institutional…
- [Introducing Setpoint Analytics: Turn Complex Portfolio Data into Actionable Intelligence](https://setpoint.io/resources/introducing-setpoint-analytics-turn-complex-portfolio-data-into-actionable-intelligence): Loan portfolios are rich with valuable data, but many borrowers and capital providers struggle to turn that data into meaningful insights.…
- [Mastering Capital Markets: Industry Experts Share their Winning Strategies](https://setpoint.io/resources/mastering-capital-markets-takeaways): Key Takeaways from the "Mastering Capital Markets: From Seed to Securitization" Event
- [Setpoint Secures $31M Series B From Wells Fargo, Citi, 645 Ventures, Andreessen Horowitz and Others to Revolutionize Credit Infrastructure](https://setpoint.io/company/newsroom/setpoint-secures-31m-series-b-from-wells-fargo-citi-645-ventures-andreessen-horowitz-and-others-to-revolutionize-credit-infrastructure)
- [Announcing Setpoint’s $31 Million Series B Funding](https://setpoint.io/resources/announcing-setpoints-31-million-series-b-funding): A letter from the CEO of Setpoint
- [Accelerate Capital Deployment with Setpoint’s Automated Borrower Approval Workflow](https://setpoint.io/resources/accelerate-capital-deployment-with-setpoints-automated-borrower-approval-workflow): Managing multiple customers and diverse deals across various asset classes is a complex task for lenders. Traditionally, this can involve entire…
- [Setpoint Facilitates Diligence for $209 Million Landmark Rated Securitization of Residential Transition Loans](https://setpoint.io/company/newsroom/setpoint-facilitates-diligence-for-209-million-landmark-rated-securitization-of-residential-transition-loans)
- [Funding in a Fraction of the Time with Setpoint’s Calculation & Paying Agent](https://setpoint.io/resources/funding-in-a-fraction-of-the-time-with-setpoints-calculation-paying-agent): Say goodbye to complex Excel spreadsheets and endless email chains. Setpoint’s Calculation & Paying Agent Services streamline the funding process…
- [How to Choose a Tech Partner for Capital Markets and Asset-Backed Financing](https://setpoint.io/resources/how-to-choose-a-tech-partner-for-capital-markets-and-asset-backed-financing): In our last piece in the series, we delved into the “build vs. buy” decision for technology solutions in asset-backed financing. Now, assuming you…
- [Navigating the Build vs. Buy Decision in Managing Asset-Backed Financing](https://setpoint.io/resources/navigating-the-build-vs-buy-decision-in-managing-asset-backed-financing): In one of the largest and most liquid debt markets in the world, the U.S. asset-backed market moves trillions of dollars daily, predominantly…
- [Empowering Lenders and Originators](https://setpoint.io/resources/empowering-lenders-and-originators): With housing inventory at an all-time low, there is a growing opportunity for many Residential Transition Loans (RTL) investors. This opportunity…
- [Setpoint Provides Third Party Services for Fundrise on J.P.Morgan Facility](https://setpoint.io/company/newsroom/setpoint-provides-third-party-services-for-fundrise-on-jpmorgan-facility)
- [Setpoint Approved by S&P Global Ratings as Third-Party Due Diligence Firm](https://setpoint.io/company/newsroom/setpoint-approved-by-sp-global-ratings-as-third-party-due-diligence-firm): [NEW YORK, NY, Feb 9, 2024] – S&P Global Ratings’ RMBS group is the latest rating agency to approve Setpoint as a Third-Party Due Diligence firm…
- [Wells Fargo and Setpoint join forces to create more streamlined access to capital](https://setpoint.io/company/newsroom/wells-fargo-and-setpoint-join-forces-to-create-more-streamlined-access-to-capital): [NEW YORK, NY, Feb 6, 2024] – Setpoint, a leading financial services provider, is pleased to establish a banking relationship with Wells Fargo…
- [Setpoint’s Proprietary Asset Allocation & Portfolio Optimization AI Engine](https://setpoint.io/resources/setpoints-proprietary-asset-allocation-portfolio-optimization-ai-engine): Asset allocation decisions play an important role in capital efficiency and compliance. Most capital markets teams use Excel to allocate assets…
- [Private Credit driving Operational & Capital Efficiency with Setpoint technology](https://setpoint.io/resources/private-credit-driving-operational-capital-efficiency-with-setpoint-technology): Setpoint Capital (SPC) has been using Setpoint’s software and tech-enabled services since launching its first private credit fund. We leverage the…
- [Streamlining Capital Markets Data Management: Setpoint’s Integration Solutions](https://setpoint.io/resources/streamlining-capital-markets-data-management-setpoints-integration-solutions): Setpoint connects client's disparate data sources to organize data and documents. Setpoint’s Collateral Manager organizes, verifies, and stores…
- [Setpoint Announces Acquisition of Resolute Diligence Solutions, Strengthening Technology Platform For Asset Backed Lending](https://setpoint.io/company/newsroom/setpoint-announces-acquisition-of-resolute-diligence-solutions): Setpoint announces the acquisition of Resolute Diligence Solutions, an industry leading due diligence provider focused on Single Family Rental…
- [Setpoint Announces $43 Million Series A Led By Andreessen Horowitz To Deliver Next Generation Infrastructure For Asset-Backed Lending](https://setpoint.io/company/newsroom/setpoint-announces-43-million-series-a-led-by-andreessen-horowitz-to-deliver-next-generation-infrastructure-for-asset-backed-lending): Setpoint closed a $43M Series A led by Andreessen Horowitz with participation from Henry Kravis (KKR), Spencer Rascoff (co-founder Zillow &…
- [‘Stripe for real estate’ debuts today to fund Power Buyer deals](https://setpoint.io/company/newsroom/stripe-for-real-estate-debuts-today-to-fund-power-buyer-deals): Setpoint, Ben Rubenstein's latest venture, aims to ‘enable proptech companies to offer their customers frictionless homebuying and selling options…
- [Setpoint Emerges From Stealth With SaaS Platform, $615 Million to Power 21st Century Real Estate Transactions](https://setpoint.io/company/newsroom/setpoint-emerges-from-stealth-with-saas-platform-615-million-to-power-21st-century-real-estate-transactions): Purpose-Built Technology Enables Proptech Companies To Offer Americans Faster, More Competitive Purchasing Options

## Optional

- [Acceptable Use Policy](https://setpoint.io/aup)
- [Intent Terms](https://setpoint.io/intent-terms-2026)
- [Privacy Policy](https://setpoint.io/privacy-policy): How Setpoint collects, uses, and protects personal information.
- [SAAS Terms and Conditions](https://setpoint.io/saas-terms-and-conditions)
- [SAAS Terms and Conditions](https://setpoint.io/saas-terms)
- [SAAS Terms and Conditions](https://setpoint.io/saas-terms-and-conditions-2022)
- [SAAS Terms and Conditions](https://setpoint.io/saas-terms-and-conditions-june-2025)
- [SAAS Terms and Conditions](https://setpoint.io/saas-terms-and-conditions-2025)
- [Service Terms](https://setpoint.io/setpoint-msa-terms-2026)
- [Services Terms & Conditions](https://setpoint.io/services-terms-and-conditions)
- [Setpoint MSA Terms and Conditions](https://setpoint.io/setpoint-msa-terms-and-conditions)
- [Setpoint Technologies Inc. Authorized Subprocessors List](https://setpoint.io/apprv-subprc)