Pagaya

Turning down creditworthy applicants costs lenders real money — and real customers. Pagaya is an AI lending network that solves this problem at scale. By partnering with lenders and institutional investors, Pagaya enables more credit approvals without taking on undue risk. Lenders integrate with Pagaya through a simple API connection to their origination systems, and Pagaya's AI models — trained on millions of real loan applications — take it from there, identifying creditworthy borrowers that traditional models might miss. Once approved, Pagaya facilitates the transition of the loan to appropriate financial vehicles, making the whole process seamless for both lenders and borrowers. The result: smarter, data-driven lending that opens doors for more people.