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Trigo

Trigo

Y Combinator LogoW23ActiveProptechAPIFintechEnterpriseB2B

Unlocking credit with rent data.

Trigo aggregates rent payment data to help lenders identify creditworthy borrowers and write more loans. We’ve already consolidated tens of thousands of rental units, helping lenders underwrite loans for the 60 million thin-credit borrowers in the U.S. There are over 300 million loan originations annually in the U.S., and lenders pay $15-$200 per loan for underwriting data. In 2021, Fannie Mae, Freddie Mac, and other financial institutions included rent payments data in their underwriting models to expand access to credit. However, no solution exists to provide this data to these lenders at scale. Trigo is a federally regulated Consumer Reporting Agency (CRA) that provides this missing rent data set to lenders through a real-time API. We’ve already consolidated over 40,000 units to provide instant data to lenders. Where we don’t yet have data coverage, we automate outreach to landlords for our lenders. We are a team of repeat founders with consumer data and financial underwriting experience across Experian, Citigroup, and Amazon. We’re looking forward to providing credit access to credit invisibles, and we would love to partner with you to do it.

Trigo
Founded:2022
Team Size:2
Location:New York

Active Founders

Sam Stein

Sam is the co-founder & CEO of Trigo. Sam joins Trigo as a repeat founder previously in the food tech space. Prior to that, he spent 8 years in finance and private company investing at Citi, Richard Branson's Virgin Group, and RedBird Capital. Sam is a mission-driven founder excited about social impact. Born and raised in Atlanta, GA. Currently based in New York City. Sam has a B.A. in Government from Harvard.

Sam Stein
Sam Stein
Trigo

Abe Wheeler

Abe is the co-founder & CTO of Trigo. Abe joins Trigo after building the backend engineering team at a series A startup monetizing consumer data. He has 6 years of full stack engineering experience working with large volumes of consumer & financial data at companies including Experian, Bloomberg, and Amazon’s Consumer Payments division. He has a B.S. in Computer Science from the University of Southern California.

Abe Wheeler
Abe Wheeler
Trigo