Theorem is an investment manager in the marketplace lending space. Our team uses machine learning and data science to identify the best, safest loans in the $100 billion marketplace lending space. We use these insights to manage capital and advise investors on purchasing the best risk-adjusted loans and create stable portfolios across the business cycle. We a profitable startup with over $800 million assets under management. Backed by both Y Combinator and Two Sigma, we are located in SF close to BART and Caltrain.