Insights
We build a verification layer for home-improvement lending, so we spend our time on the same questions our customers do: what can actually be proven, what a control has to do to count as one, and which claims fall apart under diligence.
Most platforms add an audit trail when a customer asks for one. By then the shape of the data has already decided what can be proven.
July 20, 2026 · The Renny team
Read itCompliance (5) · Risk & underwriting (4) · Technology (5) · Operations (4) · Contractor network (2)
A detective control finds the payment that should not have happened. A preventive control means it did not.
Not your policies. The specific loan, the specific signature, and the specific document the borrower saw.
Every structural problem in point-of-sale home-improvement lending follows from this one fact.
The loan was underwritten against a scope. Then the scope changed, and nobody told the lender.
A per-project cap is trivially defeated by taking more projects.
Application checks answer "did we remember here". That question accumulates with every endpoint you add.
Soft delete is usually half-implemented, and the missing half is the one users notice.
A photo uploaded from a gallery proves that a photo exists. Everything else about it is an assumption.
Regulators require a program. Most platforms ship a list with a status column.
A curriculum with a 30% completion rate is a compliance artifact, not a control.
Compliance that costs a contractor an afternoon will be worked around by lunchtime.
Dual attestation is easy to implement in a way that provides no additional assurance at all.
Holding funds would make Renny easier to sell and much harder to adopt.
Automation belongs everywhere except the acts a regulator holds a person accountable for.
If switching access off removes you from the list, being stonewalled looks identical to having nothing to hide.
You verified a license, an insurance certificate, and a business registration. All three expire.
A dashboard is a way to look at data. It is not a way to use it.
A borrower who does not understand what they approved has not meaningfully approved it.
Including the questions we would rather you did not ask us. Ask them anyway.
We will walk one project end to end, show you the audit pack, and tell you what is not built yet.
