IORQ is a technology‑driven credit platform that directly matches mid‑size and large corporations with institutional and accredited investors.
Funding
$6.4M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
2OFounders
Product
Problem
Companies seeking credit often face lengthy approval processes, high intermediary costs, and limited transparency, while investors lack direct access to diversified private credit opportunities. This mismatch hampers efficient capital allocation and increases risk for both sides.
Solution
IORQ provides a technology-driven credit platform that directly matches corporate borrowers with institutional and accredited investors. Its proprietary real‑time structuring engine automates loan underwriting, monitoring, and guarantee management, reducing reliance on traditional intermediaries. The platform offers three product lines: direct credit for high‑middle market and corporate clients, embedded finance solutions that integrate lending into a company’s own ecosystem under its brand, and structured receivable securitizations for third‑party originators. By delivering end‑to‑end workflow automation and data‑rich analytics, IORQ enables scalable, low‑risk credit operations with greater transparency and faster funding cycles.
Target Audience
Primary customers are mid‑size to large corporations seeking flexible financing and fintech platforms that want to embed credit services, as well as institutional and accredited investors looking for curated private credit exposures.
Features
- Proprietary real‑time credit structuring and monitoring engine that automates underwriting, covenant tracking, and guarantee control
- Direct lending marketplace connecting corporates with a network of over ten exclusive investor funds
- Embedded finance module allowing companies to offer branded credit products within their own digital platforms
- Receivable securitization workflow that packages third‑party receivables into structured assets for investor purchase
- Integrated risk analytics and performance dashboards providing continuous visibility for both borrowers and investors
- API‑first architecture enabling seamless integration with corporate ERP, CRM, and fintech ecosystems