Theorem

Theorem builds machine-learning-powered credit underwriting infrastructure for consumer debt markets. Since 2014 the company has priced and purchased billions of dollars in loan volume, powering one of the longest-running investment programs in the market. Its products deliver instant, API-driven credit assessments to lending originators (Custom Loan Integration Programs, or CLIP), score default risk down to individual loan cashflows (Theorem Loan Score, or TLS), and package loans into credit products for capital-market investors (Securitization as a Service). The API is a private, partner-onboarded B2B integration arranged through the partnerships team; there is no public developer portal, published OpenAPI specification, or self-service sign-up. Theorem is backed by Initialized Capital and operates from Silicon Valley, New York City, and Dallas.

Theorem is profiled on the APIs.io network. Tagged areas include Company, Fintech, Credit Underwriting, Machine Learning, and Consumer Lending.

🌐 Visit website 📡 Source on GitHub

11.0/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5

0 APIs

CompanyFintechCredit UnderwritingMachine LearningConsumer LendingLoan SecuritizationCapital MarketsRisk ScoringCredit Markets

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 11.0/100 · minimal

Contract Quality 0.0 / 25

Developer Ergonomics 0.0 / 20

Commercial Clarity 4.2 / 20

Operational Transparency 0.0 / 13

Governance 0.0 / 12

Discoverability 6.8 / 10

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 15

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/theorem: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 4

The organization behind the API

Website

Website

About

About

Partnerships

Partnerships

LinkedIn

Source (apis.yml)

aid: theorem
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/theorem.png
name: Theorem
description: Theorem builds machine-learning-powered credit underwriting infrastructure for consumer debt markets. Since 2014
  the company has priced and purchased billions of dollars in loan volume, powering one of the longest-running investment
  programs in the market. Its products deliver instant, API-driven credit assessments to lending originators (Custom Loan
  Integration Programs, or CLIP), score default risk down to individual loan cashflows (Theorem Loan Score, or TLS), and package
  loans into credit products for capital-market investors (Securitization as a Service). The API is a private, partner-onboarded
  B2B integration arranged through the partnerships team; there is no public developer portal, published OpenAPI specification,
  or self-service sign-up. Theorem is backed by Initialized Capital and operates from Silicon Valley, New York City, and Dallas.
url: https://raw.githubusercontent.com/api-evangelist/theorem/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- initialized-capital
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Fintech
- Credit Underwriting
- Machine Learning
- Consumer Lending
- Loan Securitization
- Capital Markets
- Risk Scoring
- Credit Markets
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.theoremlp.com/
- type: About
  url: https://www.theoremlp.com/about-us
- type: Partnerships
  url: https://www.theoremlp.com/partnerships
- type: TermsOfService
  url: https://www.theoremlp.com/terms
- type: PrivacyPolicy
  url: https://www.theoremlp.com/privacy-policy
- type: LinkedIn
  url: https://www.linkedin.com/company/theorem-lp/
- type: DomainSecurity
  url: security/theorem-domain-security.yml
- type: LLMsTxt
  url: llms/theorem-llms.txt
x-enrichment:
  date: '2026-07-21'
  status: minimal
  artifacts_added: 2
  pass: local-v1