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:
- Disconne
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 (P
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
Our Process
Our Process
Phase 1: Discovery & Configuration (Week 1-2)
We begin with comprehensive stakeholder interviews to understand your lending workflows, risk tolerance, and regulatory requirements. Our team configures the LoanPro AI platform to match your specific underwriting criteria, integrating seamlessly with your existing systems through our robust A
Phase 1: Discovery & Configuration (Week 1-2)
We begin with comprehensive stakeholder interviews to understand your lending workflows, risk tolerance, and regulatory requirements. Our team configures the LoanPro AI platform to match your specific underwriting criteria, integrating seamlessly with your existing systems through our robust API architecture.
Phase 2: AI Model Calibration (Week 3-4)
Our proprietary AI decision engine is calibrated using your historical loan data and market conditions. We implement multi-factor risk assessment algorithms that evaluate credit scores, debt-to-income ratios, collateral values, and 15+ additional risk factors to ensure optimal approval rates while maintaining portfolio quality.
Phase 3: Testing & Validation (Week 5-6)
We conduct comprehensive batch testing on your historical applications, providing detailed performance analytics and competitive benchmarking. Our transparent AI explainer shows exactly how each decision is reached, ensuring regulatory compliance and building stakeholder confidence.
Phase 4: Production Deployment (Week 7-8)
Full production rollout includes real-time monitoring, staff training, and ongoing optimization. Our platform delivers sub-200ms decision times with 90%+ confidence scores, transforming your lending operations while maintaining complete audit trails and regulatory compliance.
Ongoing Support: Continuous model refinement, performance monitoring, and feature enhancements ensure sustained competitive advantage in the evolving lending marketplace.
Announcement
# PointoraLP Decision API & Batch Analytics FREE for the first 10K applications
## Intelligent Loan Underwriting at Scale
Transform your lending operations with enterprise-grade AI-powered decision engines that deliver sub-200ms loan decisions.
### Decision API - Real-Time Processing
**Instant loan decisions for live customer applications**
**Sub-200ms response times** for seamless customer experience
**Risk-adjusted pricing** with probability of default calculations
**ABS market benchmarking** for competitive rate positioning