LienIQ Information

LienIQ is a firm made up of fixed income and technology professionals that are committed to capturing unique investment opportunities in the consumer credit space. By marrying cutting-edge, machine-learning based, financial modeling and traditional real estate capital structure analysis with the distributed, bottom-up power of blockchain technology, we can engage the broader investment community and democratize the rewards from this endeavor. Our first order of business is purchasing and working out Non-Performing Loans (NPL’s) in the second lien mortgage space. NPL’s present a unique opportunity because they are rising in volume, can be sourced effectively through our network, and traditional funds tend to avoid them because are smaller in size and carry headline risk. Furthermore, they are buttressed by home prices, which may continue to rise through the next downturn. By researching the market, the team discovered that a rigorous, model-driven approach was lacking and that a scale-able second lien portfolio pricing engine may provide smaller participants a marked advantage. In response to this insight, the team created the first version of a small-scale, proprietary lien scoring system to evaluate claims.