Finance all
human ingenuity.
- rizal / ricial
- Origin · agricultureOf land: able to resprout after a green cereal crop is cut.
Give every lender an investment-bank-sized underwriting team.
The hardest loans are still rebuilt by hand.
Credit teams collect documents, investigate businesses, model cash flows, verify physical assets, and coordinate information across multiple parties.
That creates a missing middle.
Loans from US$2,000 to US$20 million are often too complex for standardized lending and too small to justify traditional deal-team economics.
AI changes the economics.
Rizal’s agents review evidence, investigate claims, model repayment capacity, prepare the credit case, and monitor performance. People retain judgment and control.
When the cost of understanding a business falls, more opportunities become financeable.
Deep AI and
Credit Experience.
Built by operators across credit, AI, and the physical economy.
Daniel Tebes
Luis Lascurain
Namu Hichilo
Founder experience
affirm
Stanford
Google
CORTEVAagriscience
StartX
MORGAN STANLEY
Ajaib
Investors
DENTCapital
MANAVentures
Investment-bank-level underwriting.
At the economics of software.
We started with US$2,000 agricultural loans in Mexico—fragmented files, offline information, changing physical assets, field operations, and demanding program requirements.
That environment taught us how to investigate a business, verify real-world activity, and maintain a living credit record from application through repayment.
Today, those capabilities are expanding across equipment, construction, commercial real estate, manufacturing, supply-chain finance, and other forms of business lending.
We started with fields. We are building an AI underwriting team for complex loans.