The Credit Intelligence Platform for the Real Economy

At Atrium, we believe credit is the lifeblood of the U.S. economy. Every factory expansion, apartment tower, warehouse, and technology rollout is powered by the flow of credit. And yet—understanding how that credit is deployed, how it performs, and how it migrates across the financial system remains opaque and fragmented.

Balance sheet lenders — banks, in particular — sit at the center of this system. To understand them is to understand credit itself. But until now, getting a clear view of credit risk, collateral quality, and migration dynamics has been slow, manual, and incomplete.

Atrium is changing that.

We're building the first credit intelligence platform that continuously tracks and monitors real estate and commercial & industrial (C&I) credits nationwide — tying together collateral, borrower performance, and lender exposures in real time. Subscribers gain access to daily news feeds and comprehensive dashboards highlighting lenders, borrowers, M&A activities, and individual loan performance and risk ratings.

Our mission is to give banks, investors, and policymakers a fundamentally better way to see and assess credit risk across the U.S. financial system.

Recent insights from the Atrium platform

Over the past two months, our platform and research surfaced insights that illustrate both the scale and precision of our data engine:

• Predicted the Q3 credit migration of 1229 W Concord in Chicago, weeks before disclosures.
• Published our seminal report: The Life Science Reckoning through the Lens of Bank OZK, tracing how life science construction lending exposed structural vulnerabilities across regional banks.
• Unearthed dozens of material foreclosures and defaults, now actively reshaping credit exposure maps at multiple institutions.
• Delivered pre-earnings predictions for EagleBank, Flagstar, Bank OZK, and Western Alliance Bank, highlighting high-risk segments with striking accuracy—and expanding coverage next quarter.
• Tracked key corporate bankruptcies—Tricolor, First Brands, Tilson Technology, Broadway Realty, US Magnesium, and the Cantor Group vehicles (ZION, WAL)—flagging material bank exposure ahead of filings.
• Published deep dives on individual credits, including:
  • Flatbush Gardens (FLG)
  • Toll Brothers' Sursum Corda (HIFS)
  • Tzadik South Dakota (MBIN)
  • Lincoln Yards & 1229 W Concord (OZK)
  • ROCO Portfolio + Chetrit (JPM)
  • Shaya Prager exposure (WBS, MOFG, etc.)
  • The Aubrey (TBBK)
  • 600 B Street (WAL)
  • Bethesda Towers (EGBN)
  • The Palmeraie (AX)
• Broke key news on Western Alliance's Q2 defaults and Bank OZK's Q4 Hines origination — insights that later became market-moving disclosures.
• Tracked loan sales across First Internet Bank, Third Coast Bank, and First Foundation, mapping liquidity trends in real time.

These examples underscore what's possible when credit data is organized, structured, and analyzed at scale.

What's next

Atrium is grateful to our early partners and investors for their conviction in this mission. As we open the platform to more clients, our focus is expanding — across asset classes, lenders, and the full life cycle of credit.

Our goal is simple

To make the credit economy transparent, navigable, and measurable — for the first time.