KKR is out. The origination machine is what sold.
Alleged rates ran 62% to 149% on money already paid.
A limitation-first vendor evaluation that turns coverage, freshness, delivery, ambiguity, completeness, and decision boundaries into production tests and fallbacks.
A versioned legal-customer identity gate connecting quote, contract, invoice, payment, and renewal records without turning a TIN match into a credit decision.
A lending CRM event model for reproducible TIN evidence, idempotent callbacks, correction history, sensitive-data controls, and policy routing.
A finite-state no-match workflow with classified causes, named owners, bounded retries, evidence requests, defensible closure, and controlled reopening.
A multi-state search workflow that collects state candidates broadly, then clusters records only when formation, identifiers, addresses, and people support the link.
A B2B BNPL workflow for binding checkout accounts and later orders to one verified legal customer before a limit or shipment is released.
A subject-first lending intake design that separates natural people, sole proprietors, DBAs, legal entities, owners, guarantors, and authorized users.
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