Every year, hundreds of thousands of creditworthy borrowers are declined by digital lenders, mutual banks and fintechs — not because they can't get a loan, but because they don't fit a narrow product. Looksi is the infrastructure layer that keeps those customers in the funnel and turns declined demand into funded outcomes.
Our lenders serve a narrower borrower profile than the market demands. Customers with complex income, edge-case policy issues, or non-standard scenarios fall out — even when they are strong borrowers for another lender. Today, those customers walk into the broker channel and the originating bank loses the loan, the revenue, and the relationship.
Looksi sits between the moment of decline and the customer walking out the door. With consent, we connect them with a qualified broker who can either restructure the loan back to the originating lender's policy, or place it on a broader panel — with economics flowing back to the bank that originated the relationship.
Looksi integrates into the digital application flow of a financial institution partner. When a customer falls outside policy, Looksi is triggered — with the customer's consent.
A qualified broker reviews the case and either restructures it to fit the partner's policy, or places it on a broader lender panel to fund the outcome.
Looksi earns a fee on each funded outcome. A portion flows back to the originating partner, creating aligned incentives across the entire funnel.
Looksi is in active partner development with lenders in Australia. The product thesis has been validated through deep operating experience across consumer banking, home-loan distribution, and regulated financial workflows at institutions including Up, ANZ Plus, the Future Fund, and Envato.
The immediate focus is the Australian home-loan market — a narrow integration and operating layer that helps a partner recover value from applications its native product cannot serve. The ambition is global.
We are raising a pre-seed round to fund partner onboarding, regulatory infrastructure, and the first funded outcomes.
Twenty years scaling financial services products across banking, investment management, and early-stage ventures. Ruki has held roles at Up and the Future Fund, with a track record of taking products from zero to market inside highly regulated environments.
LinkedInTwenty years in software engineering and engineering leadership across banking, fintech, and marketplaces. Andrei has led engineering teams at ANZ Plus, Up, and Envato — building platforms from the ground up and scaling them to millions of users within complex, compliance-heavy environments.
LinkedInWe are in early conversations with aligned investors. If the thesis resonates, we would love to share the deck and talk through the opportunity.