The $100M Experiment to Redesign Underwriting

Traditional underwriting excludes capable founders not because they are risky, but because the metrics are wrong. Credit scores, collateral, and thin files fail to capture real signals of readiness. GroundBreak is running a live $100M inclusive underwriting experiment using guarantees that allow lenders to safely test new criteria and generate institutional grade evidence. In this interactive session, participants examine borrower signals, rethink what predicts repayment, and co design the proof needed to shift lending policy. By redesigning what we measure, we can redesign who receives capital and unlock lending that has historically been out of reach.