Alexey GorulyovFounder & CEO
the AI-powered platform for single-family home construction & lending
PUZZLE HOME –
We connect homebuyers, contractors, lenders,
and suppliers in one digital ecosystem — so every piece of the home building process falls into place.
and suppliers in one digital ecosystem — so every piece of the home building process falls into place.
From Russia
to MENA — housing
is booming
$3T
MENA RE & Infra pipeline for 2026-2030
Housing deficit
in Nigeria
in Nigeria
Housing deficit
in Saudi Arabia
in Saudi Arabia
Saudi mortgage originations in 2024
$24.3B
1.5M
14.9M
...the technology to power it is missing
Saudi Vision 2030 has already lifted homeownership from 47% to 65%. Morocco's Daam Sakane program is subsidizing thousands of new homes monthly. Nigeria — Africa's largest economy with 232M people — faces a 14.9M-unit housing deficit with mortgage penetration at just 0.5% of GDP.
Yet construction remains one of the least digitized industries on earth — spending 70% less on technology than the economy average. The gap between demand and digital infrastructure is PUZZLE HOME's opportunity.
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We create a unique digital profile for every house, automating cost estimation, construction monitoring, milestone-based payments, and mortgage origination
in a single workflow.
in a single workflow.
PUZZLE HOME –
is an AI-driven Operation System for SFH construction & lending
AI verifies construction progress before releasing payment tranches
Automated milestone payments:
AI Cost Estimation:
Accurate budget in 6.5 seconds based on real market prices
Accurate budget in 6.5 seconds based on real market prices
Integrated Lending:
One application to multiple banks — decision in 16 hours
One application to multiple banks — decision in 16 hours
Construction Control:
12 stages,
50+ checkpoints, 1,500 metrics —
AI-validated
milestone tracking
12 stages,
50+ checkpoints, 1,500 metrics —
AI-validated
milestone tracking
Insurance & Supply:
Full construction risk coverage + supply control
Full construction risk coverage + supply control
One platform.
Every stakeholder.
Full transparency.
Banks & Lenders:
- Digital "biometric profile" for every house — reduces credit risk
- AI-validated construction milestones
- Real-time project data replaces manual inspections
- Expanded mortgage origination pipeline
- Lower default rates through transparent construction oversight
Insurance Providers:
- Construction risk data for accurate underwriting
- Integrated policy issuance within the platform
- Reduced claims through AI-monitored build quality
- New distribution channel — every house needs coverage
Contractors & Builders:
- Fast access to construction loans
- Manage multiple sites from one dashboard
- Automated milestone-based payments — no cash flow gaps
- Verified track record builds trust with banks
- Digital reporting replaces manual paperwork
Homebuyers:
- Choose from 40+ home configurations (99–240 m²)
- Get an AI-powered budget estimate in seconds
- Apply for a mortgage across multiple banks in one click
- Monitor construction progress in real-time via app
- Full cost transparency — no hidden fees
Built for every piece of the puzzle
AI that builds trust between SFH construction and capital
At the core of PUZZLE HOME is an ML & AI engine that bridges the information gap between people, construction sites and financial institutions. It processes project data in real time — validating milestones, estimating costs, monitoring quality, and triggering payments — creating a single source of truth for all stakeholders.
This enables:
The platform assembles
a comprehensive digital puzzle — a unique "biometric profile" for each house.
This ensures transparent, efficient financing and high-quality, on-time project delivery unlimited number of construction loans (booth mortgages and business loans) with minimized risk.
a comprehensive digital puzzle — a unique "biometric profile" for each house.
This ensures transparent, efficient financing and high-quality, on-time project delivery unlimited number of construction loans (booth mortgages and business loans) with minimized risk.
- Individuals to obtain a mortgage quickly, to observe the construction site, and finally to get a high-quality house is built on time
- Contractors to obtain construction loans quickly, to manage multiple construction sites simultaneously, and to find clients.
- Insurance to offer the best coverage terms on consultation and home policies
- Building materials manufacturers to showcase their products directly in project configurations
- Automated & Transparent Payments: AI validates milestones and triggers payments
"We built PUZZLE HOME to solve a universal problem:
Watch our pitch at Moscow Startup Summit
building a home shouldn't require a PhD in project management and a network of bankers. Our AI makes
it simple — for families, for builders, and for lenders.
Now we're bringing this to MENA, where the demand is massive and the digital infrastructure is ready to leap forward"
it simple — for families, for builders, and for lenders.
Now we're bringing this to MENA, where the demand is massive and the digital infrastructure is ready to leap forward"
2022
PUZZLE
is founded
is founded
2024 / Q1
First release
of the PUZZLE AI-scoring system
of the PUZZLE AI-scoring system
from VOSKHOD VC
2024/ Q3
$700K rised
as VOSKHOD VC & Malina VC Follow-on
2025 / Q3
$350K rised
2023
Angel's seed
+CustDev
+CustDev
2024 / Q1
from Malina VC
$500K rised
2024 / Q2
First Bank integration
2025 / Q3
Customer
Digital Path - product launch
Digital Path - product launch
2025 / Q3
+3 integrations with the TOP-5 Banks
2025 / Q3
PUZZLE in TOP-25 Russian Startups
2025 / Q3
Launch
in Turkey
in Turkey
MENA
expansion...
expansion...
Road Map
3500+
Monthly Active Users
$35M
Loan Applications
in the first month
in the first month
3
of TOP 5 Russian Banks onboarded
Professional Contractors
on the platform
on the platform
140+
PUZZLE HOME numbers
60K+
Monthly Active Users
$5B
Volume of Loans issued
10
TOP 10 Russian
Banks onboarded
Banks onboarded
Contractors
on the platform
on the platform
1800+
Our plans for the Russian Market in 2028
the MENA region and Africa are experiencing an unprecedented convergence: massive government-backed housing programs, rapidly growing mortgage markets, and a construction sector that is still waiting for its digital transformation. PUZZLE HOME is entering these markets with a proven, AI-powered platform — ready to localize, integrate, and scale.
From Morocco
to Saudi Arabia to Nigeria —
- Design Your Digital Twin: Clients configure their dream home on our platform.
- Instant Bank Approval: AI-powered underwriting enables lightning-fast financing.
- Smart Supply Chain: Factories produce and deliver components on demand.
- Construction with Digital Oversight: Contractors build with real-time quality control.
- Automated & Transparent Payments: AI validates milestones and triggers payments.
- The Result: A happy homeowner with a quality home, and a confident bank with a secure asset.
The PUZZLE HOME Advantage in Turkey
How it works?
The Customer's Digital Journey from a dream
to housewarming:
to housewarming:
Alexey Gorulyov
CEO & Founder
CEO & Founder
We Turn Construction Chaos into a Seamless, Bank-Approved Process — Fast, Transparent Financing with Minimal Credit Risks.
Our Mission:
We aim to place the finacing and construction of thousands of private homes under full digital oversight, providing millions of people with
a relliabe pathway to a comfortable and secure life.
a relliabe pathway to a comfortable and secure life.
Our Value:
By harnessing data, we empower individuals to build their homes efficiently while generating revenue from every transaction on our platform. We bring unparalleled transparency and control to an industry traditionally considered high-risk.
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Services
Creating and configuring a house project
FAQ
Knowledge base
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