Theorem YC Application
Theorem went through Y Combinator in the Winter 2014 batch as a Fintech company. Below: what the company does, who founded it, and its application to YC, reconstructed question by question in the real YC form.
- YC batch
- Winter 2014
- Industry
- FintechAsset Management
- Team size
- 34
- Status
- Acquired
- Launched
- 2013
Founders
Abeer AgrawalFounder/CTO
Hugh EdmundsonFounder/Managing Partner
What Theorem does
Theorem conducts independent underwriting of consumer loans originated by banks, credit cards companies and other lenders. We utilize this information to manage institutional capital and securitize loans
Theorem's YC application, reconstructed
Y Combinator application
Theorem, Winter 2014 batch. The real form questions, answered from public data.
- Founders2
- Company7
- Progress7
- Idea4
- Equity3
- Curious2
- Batch Preference1
Company
Theorem
Independent underwriting of consumer loans
We built a platform that analyzes consumer loans originated by banks and credit card companies to assess risk independently. Our system uses machine learning to evaluate loan data, helping financial institutions manage capital and securitize assets more effectively. Essentially, we turn loan information into actionable underwriting insights.
We live and work in San Francisco, CA, and will keep the company based here after YC.
San Francisco is where most of our financial and tech network is. Being here gives us direct access to lenders, investors, and a talent pool necessary for fintech and machine learning work.
21 more answers in the full application
Founders, Progress, Idea, Equity, Curious, Batch Preference are in the full version. Create a free account to open it in YC Insights, next to every other YC batch.
Frequently Asked Questions
Is this the real Theorem YC application?
No. Y Combinator keeps submitted applications private. This is a reconstruction: the real YC form questions, answered from Theorem's public data (launch notes, founder backgrounds, product description). It shows how a company like Theorem would present itself to YC, not the text they submitted.
What YC batch was Theorem in?
Theorem was part of the Y Combinator Winter 2014 batch.
Who founded Theorem?
Theorem was founded by Abeer Agrawal, Hugh Edmundson.
What does Theorem do?
The mission of Theorem is to make credit safe and available. We use…
How do I read the full reconstructed application?
Create a free Round Funded account. The full 26-answer version of Theorem's application, and every other YC batch, is in YC Insights.
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