Selected by NatWest, Barclays & BNP Paribas

More loans.
Zero extra risk.

Explainable AI credit decisioning for regional banks and credit unions. Transparent strategies that increase approvals without increasing modeled risk.

Schedule a Demo How It Works

26%

Rejected borrowers
that qualify

$18K

Per branch
annually

2 days

Deployment
time

100%

Explainable
decisions

The Problem

Most regional lenders still underwrite like it's 1999.

Lenders either stay conservative and lose volume — or take a risk on costly models that aren't compliance-friendly. There has to be a better way.

Good borrowers get rejected

Credit scores and manual rules are blunt instruments. They paint every borrower with the same broad brush, missing the nuance that separates real risk from lost opportunity.

26% of rejected borrowers could have been approved

In-house models cost a fortune

Building an advanced assessment tool in-house means 10–14 months of development, at least $1.5M in salaries, and $150K per year in ongoing maintenance. Most community lenders simply can't justify that spend.

$1.5M+ to build in-house

AI is a black box

ML and AI models are hard to approve internally and increasingly hard to justify to regulators. Regulatory pressure demands transparency and explainability in every lending decision.

Regulations demand transparency

The Solution

Too expensive to build.
Too valuable to ignore.

RangeTeller is an explainable AI credit decisioning platform that enables lenders to approve more loans with full control over risks.

"The framework that turns your own historical data into transparent, compliance-ready lending strategies — in days, not months."

Transparent Strategies

Every lending decision is fully explainable and compliance-friendly. Loan officers can understand and explain every decision to every customer.

No black boxes. Full audit trail.

Local Historical Data

Your own lending history is the most relevant data you have. RangeTeller analyzes it to build strategies that reflect your actual market — not national averages.

Your data. Your market. Your edge.

Expert Knowledge Integration

Your team's expertise matters. RangeTeller seamlessly integrates expert knowledge into every strategy, giving users full control over modeled risks.

Human insight meets machine precision.

How We Compare

The only solution that's affordable, transparent, and local.

	RangeTeller	In-House Dev	Credit Bureaus	Alt. Credit Scoring
Affordable & ready to use
Customizable & uses local data
Transparent & interactive

In-House Development

Development cost $1M – $2M

Development time 10–14 mo

Annual maintenance $100K–$200K

Success probability < 100%

RangeTeller

Starting price $18K / branch

Deployment time 2 days

Additional maintenance $0

Success probability 100%

Traction & Validation

Trusted by lenders. Validated by banks.

First Paying Customer

Signed and onboarded a UK building society with 30 branches.

Bank Validation

Selected by NatWest Accelerator, Barclays Eagle Labs, and BNP Paribas Innovation Labs.

Product Readiness

Deployment-ready, compliance-first credit decisioning with full explainability and audit trail.

Industry Advisory Board

Backed by five seasoned fintech and financial services experts who guide our product and strategy.

Our Vision

Profitability from integrity.

We believe it is both wrong and unprofitable to reduce people to a single number, evaluate them with opaque algorithms, or judge them using distant data.

Transparency

ML and AI methods are black boxes — unexplainable and increasingly subject to regulatory scrutiny.

RangeTeller produces fully transparent strategies with complete audit trails.

Complexity

A credit score reduces a multifaceted lending decision down to a single parameter — losing critical nuance.

RangeTeller is fundamentally a multidimensional framework that captures real complexity.

Locality

Centralized credit bureaus use global data — ample but remote from local market realities.

RangeTeller analyzes local historical data — the most relevant data for your market.

The Team

Built by people who know finance and data.

Daniel Goldstone

Co-Founder & CEO

16 years as an executive sales leader spanning early-stage to corporate, with a focus on high-growth startups. Builds and nurtures high-value client partnerships that create sustainable, long-term business growth.

Alexander Shapiro

Co-Founder & CTO

16 years in finance and engineering with profound knowledge of risk management across multiple markets. Former VP R&D Analytics at JPMorgan Chase. Expert data scientist with PhD in Mathematics.

Advisory Board

Bryan Clagett

Founder of a strategic consultancy serving US financial institutions and fintech companies.

Rich Alterman

Fintech consultant and founder of networking platform Business Development Group (BDG).

Nick Hawkins

13 years in UK Government and Parliament. Deputy chairman of the all-party committee on financial services. Corporate Barrister.

Stephen Riley

Strategist and dynamic leader with over 20 years' experience providing technology to financial institutions.

Leslie Poole

Credit union industry fintech strategist. Treasurer at Lafayette FCU.

Why RangeTeller

Your lending data holds untapped value.

Every lender sits on years of local historical data — real outcomes from real borrowers in your community. That data already tells you who is creditworthy. You just need the right tool to read it.

RangeTeller turns your data into transparent, compliance-ready lending strategies that your team can understand, explain, and trust. No black boxes. No year-long development projects. Just better decisions — deployed in days, not months.