Joshua Almeida

3XB - Web entity intelligence API — score any person or org

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3XB crawls the internet in real time and scores 137,000+ named entities by web prominence and relationship graph. One API call returns APPROVE / REVIEW / DECLINE loan verdicts for any borrower. Built for CDFIs and community lenders who need to underwrite thin-file borrowers that FICO misses — entrepreneurs with strong web presence but limited credit history.

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Joshua Almeida
Hey PH! I built 3XB after seeing how many good borrowers get turned away by CDFIs because FICO alone doesn't tell the whole story. A founder with 50 press mentions and SEC filings is a very different risk than someone with the same FICO score and no web presence. The web already knows who matters — we just needed to score it. Try any name: api.earthenwarecomputer.com/entity/Google/loan-score