Announcing our Pre-Seed raise

In a world where you can open an account in minutes and move money instantly, credit decisions still take days or even weeks. Not because lenders lack expertise, but because data is fragmented and systems don’t connect. Rekord is building the orchestration layer to change that.

By Christopher Lynch, Co-Founder & CEO

The problem

In 2023, Mark and I both got the keys to our first homes. What should have been moments of joy were instead moments of sheer relief. The process was long, confusing and painfully manual. Back at AWS, we watched the same thing happen to friends and colleagues.

So what’s going wrong?

Across mortgages, SME loans and personal credit, the core issue is always the same: deciding whether to lend requires reasoning over messy, fragmented data. Documents arrive in every format imaginable. Systems don’t talk to each other. Case processors, administrators and underwriters spend hours manually pulling reports, reviewing PDFs and re-keying information just to move an application forward. Where some decisioning criteria seem ambiguous, more documents are requested and the process repeats.

It’s not a lack of data, it’s the inability to intelligently orchestrate and action on it.

We started Rekord to change that by building the orchestration layer that makes every decision smarter, faster, and more reliable.

The Great Disconnect

1. Siloed data stuck in physical documents and disconnected systems

2. Manual progression with case processors and underwriters reviewing and processing thousands of data points per application, re-keying information across multiple systems.

3. Lag time between when an application is submitted and a human is available to review and process.

4. Rinse and repeat as mistakes due to human error causes the process to drag out for weeks across many re-submissions.

Every time an application is submitted, it takes hours to review and is rarely correct on the first pass. This costs time and consumes your most valuable resource, people, doing repetitive and administrative tasks instead of analysing the complex cases they were trained for.

Our solution

At Rekord, we’re building the industry-standard orchestration layer for complex credit decisioning in the age of AI. Our platform connects everything from core banking and loan origination systems to external data sources like credit bureaus and open banking providers. It transforms fragmented, manual workflows into intelligent, automated decision flows powered by reliable and explainable AI.

• Open, composable and API-first: Rekord integrates seamlessly with your existing systems without requiring a rip-and-replace. It turns your current stack into a flexible set of building blocks that can be automated and adapted as your business grows.

• Built for reasoning over complex data: Rekord is designed to ingest and understand large volumes of structured and unstructured data. It gives you the tools to reason, validate and make decisions in a way that is fully explainable, auditable and compliant.

• A platform for innovation: Rekord enables fast experimentation across your lending products. Whether it’s A/B testing a new policy, simulating risk rules on historical data or rolling out changes in shadow mode, Rekord helps you move faster with confidence.

We’re here to be your infrastructure partner, helping you unlock faster decisions, greater agility and lower operating costs without compromising on accuracy or control.

Why Now?

Lenders are under pressure. Margins are shrinking, competition is rising and customers expect instant answers. Manual processes can’t keep up.

At the same time, breakthroughs in AI have made it possible to reason over complex data with speed and precision. Near real-time decisioning is no longer a nice-to-have. It is becoming the standard.

We're proud to be backed by Point Nine, Hello World, Octopus Ventures, Baseline and a group of incredible angels, including Eugene Danilkis, Co-Founder of Mambu, as we build the AI-native orchestration layer for the future of credit.

Where We’re Going

At Rekord, our mission is to make every credit decision smarter, faster and more reliable. We're not just building the glue that holds fragmented systems together. We're building the intelligence layer for regulated decisioning, one that can reason over complex data and deliver decisions with confidence.

Today, we’re helping lenders transform existing flows with intelligent automation. Tomorrow, we’re giving them the building blocks for truly real-time, personalised, data-driven credit decisions that stay fully explainable, compliant and secure by design.

Join Us

Backed by top-tier VCs, Rekord is building the AI-native engine for credit decision orchestration. We are hiring Senior Backend and Frontend Engineers to shape the future of our platform. You will have genuine ownership in what you create and the opportunity to share in our success through meaningful equity. If you are driven by hard problems and thrive in ambiguity, we want you to join us.

→ careers@rekordsoftware.com