Setpoint.io

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.

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

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

• Asset-backed lending platform
• Capital markets software
• Warehouse lending technology
• Loan diligence services
• Collateral verification platform

Headquarters

HQ city

Austin

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. 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.
2. 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.
3. 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

Go-to-market motion2 records

Distribution channels1 record

Marketing channels7 records

Core 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

Named customers19 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability6 records

Feature8 records

Partnerships

Eight partnerships are on record, tiered core acquisition, core and key partner.

• inTENT Fulfillmentcore acquisitionStrategic or Co-development Partner · 13 January 2026Setpoint 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 acquisitionStrategic or Co-development Partner · 22 May 2023Setpoint 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 DBRScoreOthersRating agency that provides approval for Setpoint's loan diligence processes across multiple residential mortgage and home equity asset classes.
• KBRAcoreOthersRating agency that provides approval for Setpoint's loan diligence processes across multiple residential mortgage and home equity asset classes.
• Moody'scoreOthersRating agency that provides approval for Setpoint's loan diligence processes across multiple residential mortgage and home equity asset classes.
• Fitch RatingscoreOthersRating agency that provides approval for Setpoint's loan diligence processes across multiple residential mortgage and home equity asset classes.
• S&P GlobalcoreOthersRating agency that provides approval for Setpoint's loan diligence processes across multiple residential mortgage and home equity asset classes.
• Cross River Bankkey partnerTechnology or IntegrationCross 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

Direct 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

• LinkedInlinkedin.com/company/getsetpoint

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Subsidiaries2 records

Funding overview

Funding rounds3 records

Investors14 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Investments4 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Setpoint.io