Allometry sits between operators and capital markets as a proof layer — translating private operational data into verified predicates your underwriting team can act on. Without ever seeing the raw numbers.
Every lender in the franchise space gets the same thing: a spreadsheet the operator built, with the metrics the operator chose to share, formatted the way the operator wanted you to see them.
Allometry changes the information structure. Operators keep their raw data private. You receive verified predicates — signed claims about what the data proves — without ever touching the underlying records.
The result is a new asset class: credit decisions grounded in operational reality, not self-reported projections.
Before Allometry → With Allometry
Each predicate is a signed, time-stamped assertion about the operator's data. Allometry's proof engine confirms the claim is true against the source without exposing the source. You get certainty. The operator keeps privacy.
Verified AUV range across the portfolio. The operator proves their revenue falls within the stated band — not above, not below — without disclosing the exact figure.
Confirmed that EBITDA margin exceeds a defined threshold. You set the floor; Allometry confirms the operator clears it. The exact margin stays private.
Verified operating hours and occupancy relative to licensed capacity — a direct signal of demand-side health and revenue ceiling.
Signed churn rate over the trailing two quarters — confirmed below a threshold you define, or within a stated range your policy requires.
Verified weighted-average lease and franchise agreement terms. Confirms the operator's forward revenue visibility is what they claim — not what they're projecting.
Allometry's independent location intelligence — drive-time catchment, competitive density, demographic overlay — scored per site without operator input.
Allometry doesn't broker deals. We run a structured match between verified operators and qualified capital partners — then step back.
Every match is a ZKP handshake: the operator attests their predicates meet your stated thresholds. If they do, you get an introduction. If they don't, the operator doesn't know which threshold they missed.
No retainer. No deal fees. Only a commission on closed facilities — split with any referring partner who sourced the operator.
Specify the predicates you require: minimum revenue band, margin floor, churn ceiling, contract length, geography. These stay encrypted — operators never see your underwriting criteria.
The operator connects their source systems to Allometry's proof engine. The engine outputs a signed attestation — what the data proves — without retaining the underlying records.
Allometry checks whether the operator's signed predicates clear your stated thresholds. No raw data crosses the boundary. If the match clears, both parties are notified. If it doesn't, neither party learns which threshold failed.
A matched introduction is made. If the deal closes, Allometry takes 1–2% of the originated facility — split equally with any referring capital partner who sourced the operator into the network.
No. Allometry's proof engine accepts raw data from the operator and outputs signed predicates — verified claims about the data. Your underwriting team sees the predicates and their verification status, not the underlying P&L, POS data, or membership records. This isn't a limitation; it's the design. You get a cleaner signal with lower legal exposure.
The operator connects their source systems — POS, accounting, CRM, scheduling — directly to Allometry's proof engine via authenticated API. The engine reads the data, generates the signed predicate, and destroys the session. Allometry does not store operator raw data. The predicate carries a cryptographic signature that confirms the source data was genuine at the time of attestation.
The operator knows their predicates didn't meet some unnamed threshold — they don't learn which one, or what your thresholds are. They can re-attest with updated data if their underlying metrics change. The system is designed so that gaming it requires actually improving the business.
Allometry is built for asset-heavy operators — HVAC, field service, trades, and adjacent verticals where unit-level performance data is operationally captured but structurally inaccessible to capital markets. If the business runs recurring service agreements and captures job/dispatch data, the proof engine can work with it.
During onboarding, our capital partner team works with your underwriting desk to translate your credit policy into predicate form. You specify ranges and thresholds for each dimension you care about. These are stored encrypted and never shared with operators. You can update them at any time — changes apply to future matches only.
No minimums. The partner program is open to lenders of any size who can credibly underwrite asset-heavy operator facilities. You set your own criteria. If you're originating fewer than 5 deals per year, the commission-only structure typically still makes sense — there's nothing to pay when there's nothing to close.
Define your predicates, let the match run, and only see deals that clear your bar. No retainer. No black box. Only verified operators.