OUR METHODOLOGY
Your credit vertical co-founders. Not debt syndicators.
Good embedded credit is the right balance of risk, growth and execution. We build it through three integrated product layers — DC Alpha, DC Beta, DC Gamma — and a journey that starts with ninety minutes.
Design first. Always.
A lender partnership is the start of the story, not the story. Most embedded lending journeys go wrong after the introduction — integrations before alignment, growth before design, a book expanding faster than anyone has priced its risk.
So we work as your lending co-founder — growth, credit risk, collections and operations, and lender partnerships, rolled into one. Design comes before introductions, because a partnership only lasts when book quality and commercial alignment are built in first.
RISK-BALANCED GROWTH
Good credit holds risk, growth and execution in balance. Three product layers govern it — from the ten-week Blueprint through the CaaS partnership.
DC ALPHA
Credit quality, designed in.
Underwriting that stays independent of sales targets — the credit policy answers to the book, not the funnel.
IN THE BLUEPRINT
Financial product design · customer journey · demographic and credit study · compliance and underwriting architecture.
IN THE CAAS PARTNERSHIP
Live credit policy governance · underwriting iteration as the book seasons · product expansion by evidence, not appetite.
DC BETA
A liability side built to scale.
Lender partnerships designed for scale, risk and compliance — with a long-term view, not a term sheet.
IN THE BLUEPRINT
Capital structure design · debt partner strategy · senior/junior pathways · cost-of-funds and lender alignment.
IN THE CAAS PARTNERSHIP
Lender relationships operated and deepened · cost of funds walked down as performance proves · and, as the book earns it, our own capital at risk alongside yours — skin in the game, by design.
DC GAMMA
Operational control, end to end.
Last-mile policy implementation and collections — because in unsecured credit, execution is the credit enhancement.
IN THE BLUEPRINT
Tech and ops architecture · onboarding-to-collections workflow · execution model and rollout planning.
IN THE CAAS PARTNERSHIP
Underwriting, collections and portfolio monitoring, operated · under your brand, inside your journey.
We take on a handful of partnerships a year, not fifty — and we're looking for platforms playing the long game.
Ninety minutes to a business plan. Ten weeks to a blueprint.
Three stages, two decision points — and your team's time budgeted honestly at each.
| Stage | YOU | WE | OUT |
|---|---|---|---|
| Walk-Through 1.5 hours | Share your business idea, customer journey, and opportunity. Walk through your ecosystem with us. | Get inside your customer journey, unit economics, and customers' credit quality. | Business plan with sized opportunity and recommendation |
| Blueprint 10 weeks | Founder, sales, product and tech time in discovery; decisions at each gate. | Run the three product workstreams — DC Alpha, DC Beta, DC Gamma. | The execution blueprint for your credit vertical: product, capital and operations, ready to build |
| CaaS Partnership Ongoing · optional | Sell, grow, own the customer. | Operate the credit engine — and, as the book earns it, commit capital alongside. The partnership takes two forms as it matures: (a) We operate. Underwriting, collections, portfolio monitoring — under your brand, inside your journey. (b) We commit. Our own capital at risk alongside yours, as the book proves itself. | A risk-balanced credit vertical |
Machinery built for your scale
Deep credit discipline used to demand deep pockets — analyst floors, quant teams, months-long lender integrations. That's precisely why no one built it for growing books.
We built our lending stack AI-native so the economics finally work at your scale. The business logic of lending — products, policies, journeys, lender relationships — lives in one connected system rather than buried in code, so agents handle the mechanical work and the judgment stays human.
One connected system
The business logic of lending lives in one place, not buried in code.
Agents do the mechanical
Book health daily, early-warning signals, policy simulation in minutes, faster lender integrations.
Experts hold every call
Every consequential decision approved by a domain operator.
We've done this before
A healthcare platform came to us with credit already live at the hospital desk — patients converting treatments into 0-interest EMIs against insurance reimbursements. The product worked. The business underneath it leaked: money cost far more than anyone had understood, underwriting covered only part of the journey, nobody owned recovery when insurance paid short or rejected a claim, and there was no real visibility into the book.
Our engagement surfaced all of it in two months. Then we went to work — sharpened the credit product and the underwriting at admission, curated a lender ecosystem suited to a short-tenure, high-turnover asset, built dedicated recovery where none existed, and gave the platform live, daily visibility into its own book.
The first new lender partnership went live two months after the engagement. Cost of funds came down meaningfully as the book proved itself. And aged dues the platform had written off as gone came back — adding straight to the bottom line.
Today it runs as a clean machine: the platform sells, we run the credit engine, lenders fund with confidence — a playbook we now repeat.
Request the case study →Walk in with an idea. Walk out with a business plan.
Let's figure out what your lending vertical should look like — and whether we're the right team to build it with you.
Get in touch