About Pointora, LLC
Our History
The Origin of Pointora
Pointora was born from a simple truth: the lending industry is stuck in the past. Legacy systems, slow decision cycles, and inflexible automation have held lenders back for decades.
From Frustration to Innovation
After years in financial services and technology leadership, our founder saw the problem firsthand:
- Disconnected systems
- Delayed loan approvals
- Rigid tools that couldn’t adapt to borrower behavior or evolving risk
Out of this frustration came a bold idea—build AI that empowers underwriters, not replaces them.
The Vision Behind PointoraLP
What began as a whiteboard sketch became LoanProAI—an agentic AI engine purpose-built for:
- Auto Lending
- Chattel & Equipment Financing
- Merchant Cash Advances (MCA)
Not a generic model. Not off-the-shelf logic.
PointoraLP mimics the decision-making of experienced underwriters while integrating real-time ABS market data and credit performance insights.
Built by Practitioners, Not Just Engineers
There was no venture backing at the start.
No large team.
Just deep domain expertise, conviction, and a drive to build something lenders could actually trust.
Piece by piece, LoanProAI evolved—
- Streamlining loan originations
- Strengthening compliance
- Closing the loop between credit decisions and capital markets
Pointora Today
Pointora exists to reimagine what’s possible in lending.
By fusing industry knowledge with cutting-edge AI, we’re proving that even the most traditional sectors can be transformed—without losing what makes them work.
Our Services
Key Highlights:
Decision API (Real-Time):
- Sub-200ms response times for live customer applications
- GPT-4o powered analysis with traditional underwriting validation
- Multi-product support (auto, personal, business loans)
- Risk-adjusted pricing with probability of default calculations
- Complete audit trails for regulatory compliance
Batch Analytics (Portfolio Intelligence):
- Process up to 10,000 applications asynchronously
- A/B testing capabilities for model validation
- Portfolio performance metrics and regulatory stress testing
- Historical benchmarking against market performance
- CSV/JSON export for seamless integration
Technical Specifications:
- 99.9% uptime guarantee with enterprise-grade reliability
- 10,000+ decisions per hour throughput capacity
- SOC 2 compliant infrastructure
- RESTful APIs with comprehensive documentation
Pricing Structure:
- Decision API: $0.10-$0.50 per decision (volume-based)
- Batch Analytics: $0.05 per application
- Free trial: 1,000 decisions