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Trigo

Y Combinator LogoW23
Active
fintech
b2b
proptech
api
enterprise
New York
 
https://trigodata.com/

Rent data API for landlords and lenders

Trigo aggregates consumer rent history to help landlords approve better tenants and lenders write more loans. No solution exists to consistently furnish this data to landlords and lenders today. The largest database has only 3% coverage of rent data. Trigo is a Consumer Reporting Agency (CRA) that provides this missing rent data set through a real-time API and web application. We are repeat founders with consumer data and finance experience across Harvard, Citigroup, Experian, and Amazon.
Trigo
Founded:2022
Team Size:2
Location:New York
Group Partner:Jared Friedman
  

Active Founders

Sam Stein, Founder

Sam is the Co-founder & CEO of Trigo. Sam joins Trigo as a repeat founder previously in the food tech space. Prior to that, he spent 8 years in finance and private company investing at Citi, Richard Branson's Virgin Group, and RedBird Capital. Sam is a mission-driven founder excited about social impact. Born and raised in Atlanta, GA. Currently based in New York City. Sam has a B.A. in Government from Harvard.
Sam Stein
Sam Stein
Trigo
 

Abe Wheeler, Founder

Abe is the co-founder & CTO of Trigo. Abe joins Trigo after building the backend engineering team at a series A startup monetizing consumer data. He has 6 years of full stack engineering experience working with large volumes of consumer & financial data at companies including Experian, Bloomberg, and Amazon’s Consumer Payments division. He has a B.S. in Computer Science from the University of Southern California.
Abe Wheeler
Abe Wheeler
Trigo
  

Company Launches

🏠 Trigo 🏠 Rent data API for landlords and lenders

Hi! We’re Sam & Abe, founders of Trigo.

TLDR: Trigo aggregates consumer rent history to help landlords approve better tenants and lenders write more loans. We have 25x more coverage than the credit bureaus, and we’ve already consolidated tens of thousands of rental units to provide data instantly.

❓ Rent Data is Missing

🏠 Landlords: Bad debt & evictions are at all time highs in the U.S., and landlords need more data for added protection across the 60+ million tenants screened annually. Applicants with positive rent history are 4x more likely to pay their rent on-time and in full.

🏦 Lenders: In 2021, financial institutions including Fannie Mae and Freddie Mac added rent payment data to their underwriting models to expand access to credit. Without rent data to input into these models, lenders are writing 17% fewer loans than they could. That’s a lot of missed loans across the 300 million consumer loan originations annually in the U.S.!

❌ No solution exists to consistently furnish this data to landlords and lenders today. The largest database has only 3% coverage of rent data.

🔌 Trigo Rent API

Trigo is a federally regulated Consumer Reporting Agency (CRA) that provides this missing rent data set through a real-time API and web application. We’ve already consolidated tens of thousands of rental units to provide instant data. Where we don’t yet have data coverage, we automate outreach to landlords.

👋 About Us

We’re repeat founders with consumer data and finance experience across Experian, Citigroup, and Amazon.

Trigo began when Sam pulled his own credit report and realized not one of his landlords over the past decade had reported a single month’s rent payment to the credit bureaus. With a little research, we discovered that this data has only 3% coverage in the market today.

Sam met Abe through YC cofounder matching (amazing product - 🤝 YC!), and the rest is history.

🙏 Our Ask

Thanks for reading about us. If you or someone you know is interested in our data, you can reach us at contact@trigodata.com. In particular, we would love to talk to:

  1. Landlords
  2. Property managers
  3. Proptech providers
  4. Lenders: financial institutions or fintechs—mortgages, personal loans, credit cards, auto loans, etc.