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I'm a Lender

Lender programs are set up by invitation from the Renny team.

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Step 1 of 3 · Your details

Full legal name

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Password

Contractor sign up

Step 1 of 3 · Business details

Business legal name

Your name (owner / officer)

Mobile phone

Trade

Password

Lender programs are invite-only

The Renny team onboards each lender program directly.

Company

Your name

Work email

Annual home-improvement volume

Project	Homeowner	Contractor	Amount	Draw model	Status
PRJ-8841 Kitchen remodel	M. Gonzalez	Delgado Construction	$25,000	50 / 50	Draw 1 — awaiting disbursement
PRJ-8836 HVAC replacement	D. Okafor	CoolFlow Mechanical	$9,800	Fund on completion	Work in progress
PRJ-8829 Window install	S. Whitfield	Window World of Dallas	$10,000 → $25,000	Multi-draw	Change order — awaiting homeowner

Contractor	Tier	Risk score	Open draws / stated revenue	Draw delinquency	Status
Delgado Construction LLC	Tier 2	82	$37.5K / $1.4M	0 days avg	Active
Apex Roofing & Exteriors	Tier 2	61	$580K / $1.0M	22 days avg	Watch — new stage funding held
Lone Star Kitchen Pros	Tier 2	44	$610K / $900K	61 days avg	Auto-suspended · rule R-4
CoolFlow Mechanical	Tier 1	—	Fund-on-completion only	n/a	Active

Event	Project / draw	Amount	Attestations	Evidence
RA-20477 2026-07-24T09:38Z	PRJ-8841 · Draw 1 of 2	$12,500	Contractor ✓ Homeowner ✓

Month	Projects	Funded volume	Draws released	Avg attestation time	Disputes
Jul 2026	412	$14.1M	388	1.2 days	2
Jun 2026	391	$13.3M	402	1.4 days	3
May 2026	355	$12.0M	361	1.5 days	1
Apr 2026	330	$11.2M	340	1.7 days	4

Period	Attested volume	Rate	Platform fee	Cost / loan	Invoice	Status
Jul 2026 (MTD)	$14.1M	18.0 bps	$25,380	$20.90	—	Accruing
Jun 2026	$13.3M	18.2 bps	$24,206	$21.40		Issued · due Aug 10
May 2026	$12.0M	18.5 bps	$22,200	$22.10		Paid Jun 8
Apr 2026	$11.2M	18.7 bps	$20,944	$22.60		Paid May 9

Annualized volume	Rate
Up to $500M	20 bps
$500M – $1B	18 bps current tier
$1B – $2B	15 bps
Over $2B	10 bps (floor)

Type	Basis	Rate	Amount YTD	Status
Contractor referral (perpetuity)	$2.61M referred-contractor volume	100 bps	$26,110	Accruing · settles quarterly

Project	Homeowner	Contract	Next milestone	Status
Kitchen remodel · PRJ-8841	M. Gonzalez	$25,000 · 50/50	Draw 1 — attest & request	Action needed
Bathroom refit · PRJ-8790	T. Nguyen	$14,200 · 50/50	Draw 2 — completion	In progress

Date	Project	Draw	Amount	Attested	Paid
2026-07-24	PRJ-8841 Gonzalez kitchen	1 of 2	$12,500	✓ dual	Pending
2026-07-02	PRJ-8790 Nguyen bathroom	1 of 2	$7,100	✓ dual	Paid
2026-06-18	PRJ-8712 Carter deck	Completion	$9,400	✓ dual	Paid

Network overview

All lenders · all projects · Friday, July 24

Lender programs live

Momnt · GreenSky (pilot)

1,912

Network contractors

▲ 63 this week

$18.4M

Volume attested MTD

▲ 12% MoM

99.2%

Releases with full dual attestation

Volume-based suspension overrides

Lender programs

Lender	Contractors	Active projects	MTD volume	Fee tier	Health
Momnt (anchor)	1,483	1,214	$14.1M	18 bps	Healthy
GreenSky (pilot)	412	187	$4.3M	20 bps	Ramping
+ 2 lenders in onboarding	Homebridge-network lender · regional bank				Q4 target

Lenders & invitations

Lender programs are created by the Renny team

Invite a lender

Company

Admin contact name

Admin email

Fee tier

Company	Contact	Sent	Expires	Status
Homebridge-network lender	[email protected]	Jul 20	Aug 3	Invite sent — awaiting acceptance
GreenSky	[email protected]	Jun 12	—	Accepted · program live
Momnt	[email protected]	May 2	—	Accepted · anchor program

Inbound requests

Regional Credit Union · $220M/yr HI volume · from public site form

Enrollment queue

Contractor verification

Contractor	Source	Requested tier	Auto-checks	Training	Renny AI
Bluebonnet Windows LLC	Homeowner-invited	Tier 1	License ✓ Insurance ✓ Fraud ✓	In progress	🤖 Approve · 0.96
Summit Home Solutions	Momnt auto-enroll API	Tier 2	Checks ✓ · Score 71	Certified	🤖 Approve · 0.91 · in HITL
QuickFix Remodeling	Self-serve	Tier 2	Email 3 weeks old · phone linked to 2 complaints	Not started	🤖 Decline T2 · 0.89
Riverside HVAC	GreenSky migration	Tier 1	License ✓ Insurance ✓	Scheduled	🤖 Approve · 0.95

Users

All platform accounts

Role

Status

User	Role	Organization	2FA	Last active	Status
Maria Gonzalez [email protected]	Homeowner	—	✓	Today 09:38Z	Active
Rafael Delgado [email protected]	Contractor	Delgado Construction LLC	✓	Today 09:37Z	Active
Jess Kim [email protected]	Lender admin	Momnt	✓	Today 08:10Z	Active
Pending signup [email protected]	Contractor	QuickFix Remodeling	—	Jul 22	Pending verification

Risk & suspensions

Cross-lender exposure signals

Alert	Contractor	Signal	Rule	Action taken
Suspension	Lone Star Kitchen Pros	Open draws 74% of underwritten revenue + 61-day avg draw delinquency	R-4	Auto-suspended for new stage funding · Momnt notified · existing projects continue
Watch	Apex Roofing & Exteriors	Exposure 58% and rising across 2 lenders	R-2	Cross-lender concentration flag shared with both programs

Complaints

Intake, SLA tracking & resolution

Case	Filed by	Type	Root cause (prelim)	SLA	Status
CMP-0912	Homeowner · PRJ-8829	Change order confusion ($10K→$25K)	Merchant communication	Day 1 of 10	Releases paused · in triage
CMP-0907	Homeowner · GreenSky pilot	"I didn't authorize this loan"	Authorization evidence pulled — verified	Resolved day 2	Closed
CMP-0899	Contractor	Homeowner unresponsive on final attestation	Homeowner-side delay	Day 6 of 10	Mediation scheduled

Reports

Network-wide reporting

Report

From

Lender

Lender	Projects	Attested volume	Releases	Avg SLA	Complaints
Momnt	1,214	$14.1M	1,102	1.2 days	2
GreenSky	187	$4.3M	164	1.6 days	1

Accounting

Double-entry books · every dollar traceable to its source event

$41,730

Revenue MTD (all streams)

$18.4M

Money flows recorded MTD

$46,410

A/R outstanding (invoices issued)

$9,120

Commissions payable (Momnt)

Unbalanced journal entries

Revenue by stream — July MTD

Stream	Basis	Accruals	Amount	Billed to
Platform fee	$18.4M attested volume	1,266	$33,120	Momnt · GreenSky
Contractor referral	63 new contractors	63	$6,300	Contractors
White-glove service	9 enrollments	9	$2,250	Homeowners
Repeat customer	6 projects	6	$60	—
Total			$41,730

Follow the money — PRJ-8841 (Gonzalez kitchen)

Ref	Flow	From → To	Amount	External ref	Status
MF-30112	Loan disbursement · Draw 1	Momnt → Delgado Construction	$12,500	ACH TRC-88412-01	Confirmed 09:52Z
FA-77410	Platform fee accrual · 18 bps on $12,500	Momnt → Renny (A/R)	$22.50	→ INV Aug 2026	Accrued
CM-11208	Referral commission · 100 bps	Renny → Momnt (payable)	$125.00	agreement MOMNT-REF-01	Accrued · settles Q3
—	Draw 2 · completion	Momnt → Delgado Construction	$12,500	—	Scheduled

Journal — entry JE-90211 (Draw 1, PRJ-8841)

JE-90211 · 2026-07-24T09:52:11Z · source: disbursement MF-30112 DR 9100 Memo · Lender disbursements $12,500.00 CR 9200 Memo · Contractor receipts $12,500.00 JE-90212 · source: fee_accrual FA-77410 DR 1200 A/R · Momnt $22.50 CR 4000 Revenue · Platform fees $22.50 JE-90213 · source: commission CM-11208 DR 6100 Expense · Referral commissions $125.00 CR 2100 Payable · Momnt commissions $125.00

Invoices

Invoice	Billed to	Period	Total	Status
INV-2026-0087	Momnt	Jun 2026	$24,206	Issued · due Aug 10
INV-2026-0088	GreenSky	Jun 2026	$8,910	Paid Jul 12
INV-2026-0074	Momnt	May 2026	$22,200	Paid Jun 8

Renny AI · Agent Console

Configuration, human-in-the-loop queue, and the AI activity log

412

Agent runs today

87.6%

Auto-completed

HITL pending

Hash-chain breaks

2.1h

Avg HITL decision time

Human-in-the-loop queue

4 pending

Proposal	Task	Confidence	Waiting
Approve Summit Home Solutions Tier 2 — license verified vs TX board, COI valid, KYB clean, score 71, proposed limit $200K	Verification	0.91	1.2h
Reject 2 photos on PRJ-8802 — reuse detected: identical to photos from PRJ-8654 (different property, same contractor)	Evidence review	0.97	0.4h
Resolution draft for CMP-0912 — change-order confusion; proposes re-disclosure + contractor coaching note, releases resume on homeowner re-sign	Complaint triage	0.84	3.0h
Issue July invoices — Momnt $25,380 (1,214 accruals) · GreenSky $8,120 (187 accruals); reconciliation clean	Accounting ops	0.99	0.2h

Task autonomy configuration changes are versioned & audit-logged

Task	Auto ≥	HITL <	Model
Contractor verification	0.95	0.70	claude-fable-5
Evidence review (capture screening)	0.97	0.75	claude-fable-5
Draw & attestation prep	—	—	claude-fable-5
Complaint triage	—	0.60	claude-fable-5
Accounting ops (invoices, reconciliation)	—	0.80	claude-fable-5
Chat (all roles)	—	—	claude-fable-5
Voice (Twilio + ElevenLabs)	—	—	claude-fable-5 + EL

AI activity log append-only · hash-chained

Timestamp (UTC)	Run	Task	Action	Conf.	Outcome	Hash
2026-07-24T09:36:58Z	RUN-8812	evidence_review	Screened 4 captures PRJ-8841: attestation ✓, GPS 9m, no reuse, no AI-gen	0.98	auto · verified	a91f…d2
2026-07-24T09:31:50Z	RUN-8807	draw_prep	Drafted Draw 1 release summary; caps OK (50% ≤ 60%)	—	auto · prep	c07b…88
2026-07-24T08:52:41Z	RUN-8790	risk_narrative	Drafted R-4 suspension rationale for Lone Star Kitchen Pros	—	attached to rule action	5d20…4c
2026-07-24T08:14:33Z	RUN-8771	contractor_verification	Extracted Bluebonnet COI + license; TX board match	0.93	HITL → approved (S.P.)	f4e9…07
2026-07-24T07:58:02Z	RUN-8765	voice	Call +1214···0101 · caller verified (number+OTP) · answered draw status · transcript vaulted	—	completed	21bc…9a

Audit trail

Immutable, append-only event log · every action timestamped with actor, IP and device

Entity

Event type

From

Timestamp (UTC)	Event	Actor	Entity	IP	Hash
2026-07-24T09:38:22Z	release.authorized	system	RA-20477	—	9f2ac1…c8a1
2026-07-24T09:38:21Z	esign.completed	M. Gonzalez	ENV-…8841-D1	98.12.44.210	4b7de0…11f2
2026-07-24T09:37:05Z	esign.completed	R. Delgado	ENV-…8841-D1	72.181.9.44	6c19aa…7d40
2026-07-24T08:52:47Z	contractor.suspended	rule R-4 (auto)	CTR-0311	—	e02c5f…9ab3
2026-07-24T08:14:02Z	account.profile_changed	J. Kim	USR-2201	12.99.130.7	77b1c4…0e6d
2026-07-23T22:40:11Z	invite.sent	S. Palatchi	LND-INV-009	70.115.2.88	b3f8d2…44c7

Evidence pack viewer

Account

Profile, security & notifications

Profile

Name

Role

Security

Two-factor authentication

Required for Renny team

Email notifications

New enrollment applications

Risk alerts & auto-suspensions

New complaints / SLA breaches

Lender invitation events

Daily network digest

Release authorization RA-20477 — Draw 1, Gonzalez kitchen remodel ($12,500). Dual attestation complete.
Exposure alert — Apex Roofing at 58% of stated annual revenue in open draws.
Change order CO-1121 — Window World proposes $10,000 → $25,000. Awaiting homeowner re-authorization.	Waiting on homeowner

Authorization evidence register — Q3 2026 Every e-sign event with UTC timestamp, IP, device, document hash
Merchant suspension & termination log Rule triggers, actor, rationale, timestamps
Complaint program report Intake-to-resolution trail per case
Independent assessor data room Full bundle: registers, logs, certificates of completion

Verification tier	Tier 2 — stage-funding eligible · limit $150,000 open draws	Active
TX contractor license	#TX-88213 · expires Mar 2027	Valid
General liability insurance	$2M · Hartford · expires Nov 2026	Renews in 4 months
Renny training certification	Completed Jun 2026 · annual refresh due Jun 2027	Certified

#	Timestamp (UTC)	Event	Actor	IP address	Device / agent
1	2026-07-24T09:31:44Z	Envelope created	system	—	renny-platform
2	2026-07-24T09:32:01Z	Notification emailed	system → rafael@delgado…	—	smtp relay
3	2026-07-24T09:35:12Z	Envelope viewed	R. Delgado	72.181.9.44	iPhone · iOS 19 · Safari
4	2026-07-24T09:36:40Z	Evidence uploaded (4 photos, EXIF+GPS)	R. Delgado	72.181.9.44	iPhone · iOS 19
5	2026-07-24T09:37:05Z	Signed (SMS OTP verified)	R. Delgado · SIG-77120	72.181.9.44	iPhone · iOS 19 · Safari
6	2026-07-24T09:37:06Z	Notification emailed	system → maria@email…	—	smtp relay
7	2026-07-24T09:38:02Z	Envelope viewed	M. Gonzalez	98.12.44.210	Android 16 · Chrome
8	2026-07-24T09:38:21Z	Signed (SMS OTP verified)	M. Gonzalez · SIG-77121	98.12.44.210	Android 16 · Chrome
9	2026-07-24T09:38:22Z	Envelope completed · certificate issued	system	—	renny-platform
10	2026-07-24T09:38:22Z	release.authorized → Momnt webhook (HTTP 200)	system	—	api gateway

Join Renny

I'm a Homeowner

I'm a Contractor

I'm a Lender

Homeowner sign up

Verify it's you

Consent & signature

Contractor sign up

Credentials

Consent & signature

Lender programs are invite-only

Good morning, Jess

Needs your attention

Live event feed API → Momnt LOS

Projects

PRJ-8841 · Kitchen remodel — $25,000

Project timeline

Release event API

Draw 1 · $12,500

Contractors

Release queue

Reports

Billing & costs

Monthly fee accruals

Fee schedule (contract)

Commissions owed to Momnt

Compliance

Audit packs PDF · tamper-evident

Sample: certificate of completion (per signed document)

Account

Profile

Security

Email notifications

My projects

My track record

Draw 1 attestation — Gonzalez kitchen

1 · Evidence of work 🤖 Renny screened · no reuse · no AI-gen

2 · Attest & e-sign

What happens next

Reports

My standing

Get matched with homeowners

Account

Profile

Security

Email notifications

Milestones

Network overview

Lender programs

Lenders & invitations

Invite a lender

Inbound requests

Enrollment queue

Users

Risk & suspensions

Complaints

Reports

Accounting

Revenue by stream — July MTD

Follow the money — PRJ-8841 (Gonzalez kitchen)

Journal — entry JE-90211 (Draw 1, PRJ-8841)

Invoices

Renny AI · Agent Console

Human-in-the-loop queue

Task autonomy configuration changes are versioned & audit-logged

AI activity log append-only · hash-chained

Audit trail

Evidence pack viewer

Account

Profile

Security

Email notifications

Evidence pack EV-1201 · Draw 1 Release Authorization