Learn About Tuo

Our Story

Founded in 2020, Tuo set out to transform credit access for consumers with thin or no credit histories. We began by developing alternative data-driven credit models and a Credit Builder solution that financial institutions could white-label to serve underserved borrowers.

As we deepened our expertise in lending and bank partnerships, we recognized a major gap in the market: launching a new lending product could take 12-24 months—or fail altogether. That’s why we expanded our focus, building a Lending as a Service (LaaS) platform to help fintechs and non-licensed lenders get to market faster, bypassing regulatory hurdles and banking partnership roadblocks.

Today, Tuo is a trusted partner to fintechs, banks, and financial innovators, providing a full suite of lending infrastructure solutions—from identity verification to AI-driven collections—so that our partners can focus on what matters most: serving their customers.

What We Offer

Tuo provides turnkey infrastructure for launching and scaling lending solutions. Our platform includes:

✅ Lending as a Service (LaaS) – A flexible, bank-connected platform that enables non-licensed lenders to launch credit solutions seamlessly.

✅ Identity Verification – Ensure compliance and prevent fraud with instant ID validation.

✅ Account Verification & Aggregation – Access real-time financial data to power better credit decisions.

✅ Credit Reporting – Seamless soft & hard pull capabilities for underwriting and credit monitoring.

✅ AI-Driven Collections & Recovery – Automate and optimize repayment strategies with AI.

✅ Custom Development Services – Build tailored lending features and integrations to enhance borrower experiences.

Our Core Values

💡 Innovation – We challenge traditional lending models, leveraging technology to create faster, smarter, and more inclusive credit solutions.

⚡ Speed to Market – We remove the barriers that slow down credit product launches, helping partners deploy lending solutions in weeks, not years.

🛡️ Trust & Compliance – With deep expertise in lending regulations and bank partnerships, we ensure that our solutions are secure, compliant, and reliable.

🚀 Customer-Centricity – We build for our partners, ensuring that every product we develop meets the needs of lenders, fintechs, and the consumers they serve.

🔗 Collaboration – We believe in strong, strategic partnerships, working closely with banks, fintechs, and financial innovators to drive success.

Our Leadership & Advisory Team

Leadership Team

🔹 Adam Finke (CEO) – Lending, fintech, and bank partnership expert with experience on both sides of the partner banking ecosystem—as a banker and as a fintech leader.

🔹 George Ulmer (CTO) – A highly experienced full-stack engineer who was part of Will.I.Am’s AI startup team, specializing in scalable fintech solutions.

🔹 Roman Gurovich (VP of Engineering) – Dynamic full-stack developer with expertise in SaaS platform development, API integrations, and financial technology infrastructure.

🔹 Steven Ma (Chief Lending Officer) – A consumer lending expert with extensive experience in launching and managing consumer lending programs and credit risk controls.

Advisory Board

🔹 Kathryn Petralia – Founder of Kabbage (acquired by American Express), recognized as one of the most powerful women in fintech.

🔹 Trent Sorbe – Founder of Central Payments and Chief Payments Officer of KotaPay, a leader in banking-as-a-service and payments innovation.

Let’s Build the Future of Lending Together Tuo is redefining how credit solutions come to market. Whether you’re a fintech, non-licensed lender, or financial institution, our infrastructure, expertise, and partnerships help you launch faster, scale smarter, and serve customers better.

📩 Get in touch today to explore how Tuo can power your lending vision!