Private credit underwriting & deployment

The underwriting platform behind disciplined private credit deployment

Our proprietary underwriting system supports consisten applicant classification, risk-based pricing, and controlled deployment across lending programs.

Informational only. This site does not constitute an offer to sell securities.

Controlled programs
Defined eligibility, pricing, and terms
Risk governance
Clear approval/decline standards
Portfolio reporting
Cadence, KPIs, and transparency
IP protected
Technology licensed, not transferred

What the platform does

The XS Capital underwriting platform is designed to support repeatable lending decisions without exposing proprietar decision logic or model internals.

 Underwriting platform

Applicant classification

Applicants are evaluated against historical outcome pools to support consistent eligibility and pricing decisions across programs.

  Risk controls

Outcome-informed decisions

Approval and decline logic is enforced at the program level to maintain discipline as volume scales.

  Investor-grade visibility

Reporting & governance

Program performance is tracked at the portfolio level with defined reporting cadence and governance.

What we disclose — and what we don’t

What we share

Program structure and eligibility boundaries

 

Governance and reporting framework

 

Portfolio-level metrics

What we protect

Underwriting variables and weights

 

Decision trees and model architecture

 

Vendor sources and data inputs

Start a conversation

Capital partnerships are structured to preserve underwriting independence while providing institutional-grade transparency.

Informational only. This site does not constitute an offer to sell securities. Any partnership discussions occur privately and may require eligibility verification.