LendQuantHand us the tape.
We hand you the answers.
LendQuant calibrates default and prepayment on your own loan file and prices every segment separately. Whether you are buying the book, holding it, or reporting on it, every number comes with the rows it was fit on.
| Vintage | MOB 6 | MOB 12 | MOB 18 | MOB 24 | Fit |
|---|---|---|---|---|---|
| 2021 | - | - | - | - | n = 118 |
| 2022 | 1.8 | 4.6 | 6.9 | 8.1 | 0.97× |
| 2023 | 2.1 | 5.4 | 7.8 | 9.0 | 1.02× |
| 2024 | 2.4 | 5.9 | 8.4 | · | 1.04× |
| 2025 | 2.2 | · | · | · | Seasoning |
We do the work.
You check ours.
Calibration, segment pricing, and the recommendation are finished before you open the file. Every figure opens to the rows it was fit on and the assumptions behind it, so you audit the ones you want to, when you want to.
You upload. We answer.
You decide. We track.
Not a workbench where you do the work. The workbench is behind it, one click away, for when you want to interrogate the number.
Drop the origination or servicing file. Schema is auto-detected and completeness validated before anything runs.
Default and prepayment fit per vintage and per tier, with segments below sample floor held back.
Per-segment fair value with confidence bands, and a recommended price with the reasoning attached.
Realized against projected, month over month, with drift alerts when a curve leaves its band.
Three deliverables, one analysis.
Every tape produces the same three outputs. Reports that answer the question, not a tool you have to operate.
Valuation
Per-segment fair value with confidence bands. Know what each slice is worth before you commit to a blended number.
Recommendation
Which segments to act on and at what price, selected for risk-adjusted return. You review, you approve, you own the call.
Performance tracking
Ongoing monitoring against the projection you bought on. Realized versus expected, month over month, with drift alerts.
The teams who underwrite consumer credit.
Consumer credit funds
Price whole-loan and forward-flow with per-vintage recall. Bid with the loss curve attached instead of a blended assumption you have to defend later.
Small lenders and credit unions
Model your own book at the rigor a fund brings to buying it. See which segments are drifting before the charge-off shows up in the quarter.
Fintech platforms
Give capital partners predicted versus actual every month. The diligence answer is ready before the diligence question arrives.