Origination marketplace

Puelo CloudWe originate. You decide.

We prepare a managed microcredit deliverable so the institution’s subsequent analysis is more accurate. We do not lend. We do not set the rate. We are not the creditor.

Talk to Risk See methodology
The bureau does not read the observable economic conduct of independent work.

The problem

Informality is not insolvency. It is thin-file.

Millions of independent workers generate observable economic conduct. The bureau does not read it, and a small ticket cannot carry a hand-built dossier. The outcome is not prudence: it is exclusion by cost of analysis.

01

Managed file

Completeness, consistency and knock-outs applied before the case reaches your desk. The analyst does not rebuild the file from scratch.

02

Non-traditional risk signal

Roots, productive capacity and observed commitment become a signal you can use as overlay, pre-screen or challenger.

03

Aligned to your policy

We work against the institution’s eligibility framework. We do not auction rate. We do not build a shelf of offers.

Thesis

Everything we do is a deliverable for your analysis.

Artificial intelligence structures, estimates and explains. The institution’s credit policy underwrites. After disbursement, the customer is yours.

Puelo Cloud reduces noise, information asymmetry and origination cost. It does not replace your PD model or your override. The service is designed so the institution can meet the current rules of the supervisor in each market — BCRA in Argentina, CMF in Chile.

Five steps: capture, file, pre-qualification, the institution’s decision, and monitoring.
1

Qualified capture

Application with consent, credit purpose and minimum eligibility data.

2

File construction

Synthetic signal, policy flags and required documentation. Deep identity does not travel on the rail.

3

Pre-qualification

The institution’s hard rules are applied. If the case is outside policy, it is not forced.

4

Institution underwriting

You approve, decline or request more information. You keep cut-off and veto.

5

Direct relationship + monitoring

Contract and primary collections sit with the lender. The origination channel observes payments for early warning and collection support.

Economics

We do not mark up the credit. We align the incentive.

The funder sets price, tenor and limit. We charge for sound origination and for signal quality — not for inflating the borrower’s rate.

Three aligned incentives: success fee, data fee and performance.
Success feeCommission on disbursed origination.
Data feeAccess to the signal to calibrate policy and PD.
PerformanceParticipation conditioned on controlled delinquency.

Audience

Banks and finance companies first.

This site speaks to Risk, Origination and Product. Distribution partners and capital have their own door.

Financial institutions

Microcredit origination with a lower file cost, your own eligibility policy, and a pack that makes subsequent analysis more accurate.

Underwriting · PD · cut-off · NPL

info-finanzas@puelo.cloud

Origination partners

Networks and platforms that concentrate qualified demand and need an orderly way to originate toward an institution.

Distribution · consent · volume

info-integradores@puelo.cloud

Capital partners

Those who fund origination infrastructure — not the lender’s loan book.

Risk infrastructure · B2B

info-investment@puelo.cloud