What Tangible does

Tangible (legally Twist Solutions LTD) is a London-based fintech platform that enables capital-intensive hardtech companies to access and manage structured debt financing. Founded in 2021, the company targets sectors such as robotics, climate technology, mobility, data centers, energy, and transport — businesses that historically relied on dilutive equity funding because lenders are wary of tangible assets with long development cycles. Tangible operates a three-module product suite — Prepare (debt strategy and lender-ready materials), Raise (matching borrowers with specialized credit investors and execution support), and Report (automated facility management including covenant tracking, borrowing base calculations, and waterfall management) — plus a dedicated Lender Portal for institutional investors.

The platform's core technology uses AI to standardize asset-backed lending documentation and workflows: it automates data extraction and reconciliation across credit agreements, maintains a real-time 'live asset tape' over collateral and receivables, provides collaborative diligence data rooms, and applies continuous 24/7 anomaly monitoring with triple-checked calculations. AI capabilities span process automation, anomaly detection, predictive scenario modeling, and knowledge retrieval over financial documents, with implementation relying on third-party AI providers including Anthropic and Google Cloud AI alongside in-house AI engineering. The infrastructure is ISO 27001 certified with end-to-end encryption.

Tangible's business model is structured around three fees aligned to transaction stages: a one-time Prepare fee, a success-based Raise fee contingent on deal closure, and a recurring Report subscription for ongoing facility management. Pricing is quote-based rather than publicly disclosed. Distribution is direct enterprise sales targeting founders and CFOs of hardtech companies, supplemented by thought-leadership content marketing, SEO, and a free 5-minute raise-planning tool as a top-of-funnel entry point. The company has raised approximately $8 million in total capital across a 2025 pre-seed and a February 2026 $4.3M seed led by Pale Blue Dot, and currently employs 13 staff across London and Lisbon offices.

Name

Tangible

Legal name

Twist Solutions LTD

Website

https://tangible.finance

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

Tangible is a London-based fintech platform that uses AI to help capital-intensive hardtech companies structure, raise, and manage structured debt financing. Its three modules — Prepare, Raise, and Report — plus a Lender Portal serve robotics, climate, mobility, and data center startups seeking non-dilutive institutional capital.

Ownership category

akta.pro rank

Product category

Asset-Backed Lending Software

NAICS

Credit Intermediation and Related Activities (522)

SIC

Asset-Backed Securities (6189), Loan Brokers (6163)

akta.pro primary industry

Collections, Recovery & Debt Management Platforms (FSAGAHAI)

akta.pro secondary industry

Infrastructure & Project Finance Private Debt (FSANADAH)

Keywords

• Asset-backed lending
• Debt financing platform
• Hardtech capital
• Structured credit software
• Lender matching platform

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Prepare (One-time fee): One-time fee service for companies getting ready for a transaction. Includes 6 months expert support, raise-ready materials, data layer for rapid deal diligence, and readiness assessment. This is the entry-level engagement phase.
2. Raise (Success fee): Success-based fee for companies ready to raise a facility. Includes execution and diligence support, lender introductions, platform access, and trusted additional counterparties. Revenue contingent on successful deal closure.
3. Report (Subscription fee): Subscription fee for companies with live facilities. Includes rapid onboarding, automated reporting setup, smart alerting and warnings, and refinancing advisory. Ongoing revenue stream for facility management.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

Tangible operates an AI-powered platform that structures, models, and manages asset-backed debt transactions for capital-intensive hardtech companies. Its three integrated modules—Prepare, Raise, and Report—help borrowers build lender-ready debt strategies, match with specialized institutional credit investors, and automate ongoing facility operations including covenants, borrowing base, and reporting. A separate Lender Portal serves institutional investors assessing and monitoring hardtech deals.

Product overview

Tangible is a fintech platform providing a capital stack co-pilot for hardtech companies, consisting of three integrated modules: Prepare (for building debt strategies and lender-ready materials), Raise (for matching with lenders and executing transactions), and Report (for automating facility management and ongoing compliance). The platform also includes a separate Lender Portal for institutional investors to assess and manage hardtech deals. All modules leverage AI automation to standardize documentation, reduce transaction costs, and accelerate time-to-close for both borrowers and lenders in the structured debt financing process.

Differentiator

Problem solved

Functional benefit

Products and services

• Prepare A module helping hardtech companies build a winning debt strategy and prepare raise-ready materials. Includes roadmap development, data ingestion, policy creation, transaction structuring, and soft lender soundings before going live. Designed for capital-intensive hardtech borrowers that lack in-house finance teams.
• Raise A matching and execution module that connects hardtech companies with appropriate lenders. Features secure data rooms, NDA management, standardized documentation, term sheet negotiation support, and collaborative diligence with lenders and legal teams. Targets hardtech founders seeking institutional debt capital.
• Report An automated facility management module handling ongoing reporting obligations. Provides live asset tape management, covenant tracking, borrowing base calculations, waterfall management, automated reporting generation, and strategic scenario modeling for active debt facilities. Used by hardtech borrowers with live credit facilities.
• Lender Portal A dedicated portal for institutional lenders to assess and manage hardtech transactions. Provides AI-powered diligence tools, live asset tape monitoring, funding request analysis, policy implementation support, and collaborative transaction operations management. Designed for institutional credit investors evaluating hardtech asset-backed deals.

Quantifiable outcome

• 05 minutes to get a personalized roadmap
• +3 more outcomes

Named customers3 records

Segments1 record

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability6 records

Feature5 records

Partnerships

Two partnerships are on record, tiered supporting.

• AnthropicsupportingTechnology or IntegrationAI service provider used by Tangible for AI-powered products and features. Tangible uses third-party AI service providers including Anthropic to power their AI automation, machine learning models, and AI predictive analytics.
• Google Cloud AIsupportingTechnology or IntegrationAI service provider used by Tangible for AI-powered products. Tangible uses Google Cloud AI as part of their AI Service Providers alongside Anthropic for machine learning and predictive analytics capabilities.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Mosaic: Mosaic is a fintech that provides structured debt financing for residential solar and sustainable infrastructure. It is the most directly comparable peer to Tangible, matching both the asset-backed lending model and the hardtech/sustainable infrastructure target customer base.
• Capchase: Capchase provides revenue-based financing and capital markets solutions for SaaS companies, connecting them with institutional debt capital. Comparable to Tangible's Prepare/Raise/Report three-stage model and two-sided borrower-lender marketplace structure, though focused on SaaS ARR rather than hardtech assets.
• Pipe: Pipe operates a capital markets platform that converts recurring revenue streams into tradeable assets for funding. It shares Tangible's intermediation role between borrowers and institutional capital providers, with comparable platform infrastructure and revenue-share economics.
• Arc: Arc offers debt capital and cash management products to venture-backed startups, including structured debt facilities. Comparable to Tangible's borrower-side value proposition of providing debt-as-an-alternative-to-equity with associated structuring and reporting tooling.

Emerging players

• Treasury Prime: Treasury Prime provides banking-as-a-service infrastructure that enables fintechs to embed deposit accounts, ledgering, and lending workflows. Comparable to Tangible as fintech infrastructure serving lending and treasury use cases, though focused on bank account plumbing rather than asset-backed facility management.
• Orum: Orum provides an API platform for instant bank-to-bank payments and money movement, with infrastructure overlap to Tangible's fintech stack. Relevant as adjacent infrastructure serving capital markets and treasury workflows at financial institutions.
• Arya (formerly Ario): Arya is a digital lending platform for SMBs that combines AI-driven credit decisioning with lender marketplace functionality. Comparable to Tangible as an emerging player applying AI/ML to credit intermediation workflows, with overlap on platform-based lender-borrower matching.

Broad incumbents

• Brex: Brex is a broad-scope business financial platform combining corporate cards, banking, lending, and bill pay. It competes in the broader capital provisioning space for tech companies but does not specialize in hardtech asset-backed structuring, making it a broader incumbent rather than a direct competitor.
• Figure Technologies: Figure is a blockchain-enabled lending platform spanning home equity, business, and private credit. Relevant as a broader incumbent using technology to streamline capital markets processes, though with a different lending focus and regulatory framing than Tangible.
• LendingClub: LendingClub is an established US online lending marketplace connecting borrowers with institutional investors. It represents the incumbent template for digital lending marketplaces, although its consumer credit focus differs from Tangible's hardtech asset-backed specialization.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/tangibleplatform

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds3 records

Investors10 records

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

M&A

Investments

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

Frequently asked questions about Tangible