Setpoint.io
Setpoint.io is a capital markets operating system that digitizes collateral data, automates funding and compliance workflows, and provides calculation and verification agent services for lenders and borrowers in asset-backed finance.
- Company typePrivate
- Founded2021
- HeadquartersAustin, United States
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Setpoint.io does
Setpoint.io, founded in 2021 and headquartered in Austin, Texas, builds a capital markets operating system purpose-built for asset-backed finance. The platform pairs two core products: Asset OS, which digitizes, organizes, and verifies loan and collateral data into a real-time source of truth, and Capital OS, which automates funding flows, borrowing base calculations, covenant compliance, and lender-borrower workflows across warehouse facilities, forward flow financing, and securitizations. The company also operates tech-enabled third party services that act as calculation agent, verification agent, and paying agent, and runs Setpoint Capital Solutions, which has funded more than $3.5 billion in real estate transactions through affiliated capital providers.
Setpoint.io firmographics
Firmographics- Name
- Setpoint.io
- Legal name
- Setpoint Technologies Inc.
- Website
- https://setpoint.io
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Setpoint.io is a capital markets operating system that digitizes collateral data, automates funding and compliance workflows, and provides calculation and verification agent services for lenders and borrowers in asset-backed finance.
- Ownership category
- akta.pro rank
Setpoint.io industry classification
Industry- Product category
- Capital Markets Software for Asset-Backed Finance
- NAICS
- Computer Systems Design and Related Services (54151)
- SIC
- Asset-Backed Securities (6189)
- akta.pro primary industry
- Collateral, Lien & Asset Valuation Platforms (Auto, Equipment, Real Estate) (FSAGAHAG)
- akta.pro secondary industry
- SME Lending & Working Capital Platforms (FSAGAJAA)
Keywords
Where Setpoint.io is headquartered
LocationHeadquarters
- HQ city
- Austin
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Setpoint.io business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- SaaS Subscription: Setpoint provides software-as-a-service to borrowers and lenders for managing debt facility operations. The platform digitizes credit agreements, standardizes data, optimizes portfolios, and automates funding and compliance reporting. Revenue is generated through subscription fees for access to Capital OS and Asset OS platforms.
- Tech-Enabled Third Party Services: Setpoint acts as calculation agent, verification agent, and paying agent for capital providers. These services verify collateral documents, calculations, and payments. The company performs diligence reviews and provides certifications including rating agency-approved loan diligence across multiple asset classes.
- Capital Solutions: Setpoint Capital provides bespoke debt facilities for growth through affiliated capital provider relationships. Has funded over $3.5 billion in real estate transactions with proptech leaders.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | Enterprise SaaS platform with custom implementation |
Go-to-market motion2 records
Distribution channels1 record
Marketing channels7 records
Setpoint.io product offering
Product offeringCore offering
Setpoint.io builds and operates a cloud-based capital markets operating system for asset-backed finance, composed of two integrated platforms: Capital OS (which automates funding flows, compliance, borrowing base calculations, and lender-borrower workflows across warehouse facilities, forward flow financing, and securitization management) and Asset OS (which digitizes, organizes, and verifies loan portfolio data to create a real-time source of truth). The company also delivers tech-enabled third-party services including calculation, verification, and paying agent roles, plus AI-powered due diligence and a collateral integrity certification product called PledgeCheck.
Product overview
Setpoint.io is a capital markets operating system for asset-backed finance, offering a dual-platform architecture consisting of Asset OS and Capital OS. Asset OS digitizes, organizes, and verifies asset data creating a real-time source of truth, while Capital OS automates funding flows, compliance, and borrowing base calculations. The platform provides tech-enabled third party services including Calculation & Paying Agent, Verification Agent, and loan diligence capabilities. Recent acquisitions include inTENT Fulfillment for expanded residential mortgage diligence. Key AI-powered features include the Asset Allocation AI Engine using Genetic Algorithm optimization, automated document classification for due diligence, and PledgeCheck for collateral integrity verification.
Differentiator
Problem solved
Functional benefit
Brands
- Setpoint PledgeCheck: Industry standard certification for verifying collateral integrity in asset-backed finance, ensuring asset uniqueness and data integrity across lenders and borrowers.
- Asset OS
- Capital OS
Products and services
- Capital OS Cloud-based software platform that automates funding flows, compliance, borrowing base calculations, and lender-borrower workflows across warehouse facilities, forward flow financing, and securitization management. Designed for institutional lenders, banks, asset managers, and originators managing debt facility operations.
- Asset OS Software platform that digitizes, organizes, and verifies loan portfolio data and documents, creating a real-time, single source of truth for asset-backed finance operations across multiple facilities and asset classes.
- Setpoint PledgeCheck Industry-standard certification that programmatically verifies every asset in a collateral pool is unique and legitimately pledged to a single counterparty. Confirms asset uniqueness across lenders, validates data integrity of key fields, and ensures completeness of reported data. Designed for lenders, borrowers, issuers, and investors in asset-backed finance.
- Calculation & Paying Agent Services Tech-enabled third-party services that verify the accuracy of borrower data and reporting before disbursing funds, replacing days-long manual reviews with real-time validation. Includes in-app messaging, waiver requests, and audit logs. Exposes the exact Excel formulas used for issue correction guidance. Designed for lenders and capital providers.
- Verification Agent Risk control service that verifies borrower data against source documents, confirms assets are exclusively pledged across facilities, and reconciles reported collections against actual cash movement. Provides full transparency into what was reviewed and flagged. Designed for lenders and capital providers requiring diligence assurance.
- inTENT Fulfillment Loan Diligence Service Specialized loan diligence and transaction management service with rating agency approvals from Morningstar DBRS, KBRA, Fitch Ratings, and S&P Global. Covers residential mortgage and home equity asset classes including Non-QM, Prime Jumbo, Agency, DSCR, HELOCs, and Reverse Mortgages. Designed for lenders, issuers, and rating agencies.
- Setpoint Capital (Capital Solutions) Bespoke debt facility and capital solutions offering through affiliated capital provider relationships, providing debt capital for growth across asset classes including real estate. Designed for proptech leaders and growth-stage originators; has funded over $3.5B in real estate transactions.
Quantifiable outcome
- Funding requests reduced from 2 days to 2 hours (10x faster)
- +6 more outcomes
Companies that use Setpoint.io
Customer profileNamed customers19 records
Segments4 records
Ideal customer profiles3 records
Setpoint.io technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
AI capability6 records
Feature8 records
Setpoint.io partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core acquisition, core and key partner.
- inTENT Fulfillmentcore acquisitionSetpoint signed agreement to acquire inTENT Fulfillment, a specialized loan diligence and transaction management firm. Upon closing, Setpoint will gain rating agency approvals from Morningstar DBRS, KBRA, Fitch Ratings, and S&P Global. inTENT's leadership team including Paul Marchese and Trey Beal will join Setpoint.
- Resolute Diligence Solutionscore acquisitionSetpoint acquired Resolute Diligence Solutions, a provider of due diligence services for asset-backed lending, particularly in Single Family Rental and Residential Transition Loans. The acquisition combined Resolute's expertise with Setpoint's technology platform.
- Morningstar DBRScoreRating agency that provides approval for Setpoint's loan diligence processes across multiple residential mortgage and home equity asset classes.
- KBRAcoreRating agency that provides approval for Setpoint's loan diligence processes across multiple residential mortgage and home equity asset classes.
- Moody'scoreRating agency that provides approval for Setpoint's loan diligence processes across multiple residential mortgage and home equity asset classes.
- Fitch RatingscoreRating agency that provides approval for Setpoint's loan diligence processes across multiple residential mortgage and home equity asset classes.
- S&P GlobalcoreRating agency that provides approval for Setpoint's loan diligence processes across multiple residential mortgage and home equity asset classes.
- Cross River Bankkey partnerCross River Bank onboarded onto Setpoint's dual-sided platform. Bank now sees reports in-app, handles exceptions, and aligns funding timing without back-and-forth emails. Represents model for lender-borrower platform integration.
Scale indicators24 records
Recent moves7 records
Expansion highlights6 records
Setpoint.io competitors and assessment
Company assessmentDirect peers
- Ocrolus: AI-powered document verification and income analytics for lenders. Closest functional peer to Setpoint's OCR/AI due diligence and automated borrower approval workflows, serving the same fintech and SMB lender customer base.
- Figure Technologies: Blockchain-enabled private credit and asset-backed lending platform (HELOC, MSR, warehouse). Competes with Setpoint's Capital OS in providing end-to-end asset-backed lending infrastructure, though Figure is also an originator.
- LoanPro: Modern loan servicing and portfolio management SaaS for non-bank and asset-backed lenders. Overlaps with Setpoint's Asset OS in loan boarding, reporting automation, and portfolio analytics for warehouse/SPV structures.
Broad incumbents
- nCino: Cloud banking platform serving commercial, SMB, and asset-based lenders with origination, portfolio management, and analytics. Broader portfolio than Setpoint but overlaps in collateral monitoring, covenant tracking, and reporting for institutional lenders.
- Polly: Mortgage capital-markets technology for pricing, eligibility, and commitment management. Comparable to Setpoint's Capital OS for the loan-sell-side workflow and increasingly competes for warehouse and securitization automation.
- ICE Mortgage Technology (Black Knight): Largest U.S. mortgage technology incumbent covering origination (Empower LOS), servicing (MSP), and capital markets (Optimal Blue). Dominant distribution in the same warehouse and securitization customers Setpoint serves.
- Temenos: Global core banking and loan management software used by 3,000+ banks. Reaches the same Tier-1 institutional lender buyers as Setpoint and competes for budget allocated to warehouse and securitization technology modernization.
Emerging players
- Blend: Digital lending platform spanning consumer mortgages, home equity, and SMB. Overlaps with Setpoint on mortgage diligence and warehouse operations; serves some shared bank customers (e.g., Cross River Bank partners with both).
- Mambu: Cloud-native core banking platform used by digital lenders and fintechs. Comparable vertical SaaS motion to Setpoint and serves overlapping digital-lender buyers evaluating end-to-end asset-backed infrastructure.
- Middesk: Business verification and underwriting data infrastructure for lenders. Adjacent technology layer to Setpoint's Asset OS, providing the identity and entity data inputs lenders need before asset-backed diligence.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Setpoint.io social profiles
Digital presenceSetpoint.io compliance and trust
Trust signalCompliance4 records
Setpoint.io financial estimates
Financial estimateRevenue estimate
Valuation estimate
Setpoint.io leadership team
Management profileNumber of profiles
Profiles12 records
Setpoint.io subsidiaries and ownership
Company hierarchySubsidiaries2 records
Setpoint.io funding detail
Funding detailFunding overview
Funding rounds3 records
Investors14 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Setpoint.io M&A and investment
M&A and investmentM&A2 records
Investments4 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Setpoint.io
What does Setpoint.io do?
Setpoint.io builds and operates a cloud-based capital markets operating system for asset-backed finance, composed of two integrated platforms: Capital OS (which automates funding flows, compliance, borrowing base calculations, and lender-borrower workflows across warehouse facilities, forward flow financing, and securitization management) and Asset OS (which digitizes, organizes, and verifies loan portfolio data to create a real-time source of truth). The company also delivers tech-enabled third-party services including calculation, verification, and paying agent roles, plus AI-powered due diligence and a collateral integrity certification product called PledgeCheck.
Is Setpoint.io a public or private company?
Setpoint.io is a private company. It is classified as venture growth investor backed and is currently operating.
When was Setpoint.io founded?
Setpoint.io was founded in 2021. It employs 51 to 100 people.
Where is Setpoint.io based?
Setpoint.io is headquartered in Austin, United States, in the North America region.
How does Setpoint.io make money?
Three revenue lines are on record. SaaS Subscription is the primary driver. The others are tech-Enabled Third Party Services and capital Solutions.
Who are Setpoint.io's main competitors?
Direct peers on record are Ocrolus, Figure Technologies and LoanPro. Broad incumbents are nCino, Polly, ICE Mortgage Technology (Black Knight) and Temenos. Emerging players are Blend, Mambu and Middesk.
Does Setpoint.io have an API?
Yes. Setpoint offers a custom API integration for customers who need to connect their internal systems with Setpoint's platform. The API supports data ingestion and pushing clean data to internal systems, cloud storage, and service providers. Available primarily for enterprise customers requiring custom integration work.
What industry is Setpoint.io in?
Setpoint.io's product category is Capital Markets Software for Asset-Backed Finance. Its primary akta.pro industry code is FSAGAHAG, Collateral, Lien & Asset Valuation Platforms (Auto, Equipment, Real Estate), with a secondary code of FSAGAJAA, SME Lending & Working Capital Platforms. Its NAICS code is 54151 and its SIC code is 6189.