Our core belief
Most of the manual work required to originate a mortgage, business loan, or commercial real estate loan can be automated. We believe lenders should spend their time where it actually matters: building trust and lasting relationships with their borrowers, not grinding through the work it takes to process, underwrite, and fund a loan.
Who we are
Sphera Credit is the company building the technology that makes this possible. We develop the AI-native loan origination system financial institutions and lenders use to run origination end to end, with AI agents their teams build, supervise, and control.
How we do it
The system runs origination end to end: it guides borrowers through the application, reads and verifies every document, and calculates every ratio a credit file needs. When a file falls outside your credit box, your AI agents pick it up, so your team handles more volume without compromising quality.
Leadership
CEO
Joseph holds a bachelor's in finance from McGill University. He previously worked at Passage, where his work focused on building the underwriting and loan operations designed to finance international students who lacked traditional credit data.
CTO
Uriel holds a bachelor's in industrial engineering and a master's in applied mathematics with a specialization in predictive machine learning. He previously served as Head of Growth at Billdr, where he built the company's automation and analytics infrastructure.
Get in touch
We are based in Toronto, Canada. Reach out anytime.