Provides a real-time credit information platform through a single API that enables lenders to search, report, and manage credit data. It addresses the limitations of traditional credit bureaus by offering up-to-date affordability assessments, fraud detection, and credit risk analysis, helping lenders reduce defaults, prevent fraud, and make informed lending decisions.
Funding
$5.4M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Traditional credit bureaus provide data that is often incomplete, outdated, and inaccurate, limiting lenders’ ability to assess risk accurately and extend credit responsibly to new borrower segments.
Solution
Infact Systems offers a real-time credit bureau accessed via a single API that enables lenders to search, report, and manage up-to-date credit information. The platform delivers instant affordability assessments, fraud detection, and risk scores, allowing lenders to increase conversion while maintaining responsible risk controls. By integrating device and behavioral intelligence, the service helps reduce default rates and synthetic identity fraud. The API supports modular integration for loan origination, portfolio management, and regulatory compliance, providing explainable data for auditability. Infact’s risk experts and engineers collaborate with clients to tailor signals and continuously improve decisioning accuracy.
Target Audience
Primary customers are credit risk teams at banks, fintech lenders, and alternative finance platforms seeking real-time credit insights to improve underwriting, reduce fraud, and expand responsible lending.
Features
- Real-time API delivering current credit data, affordability scores, and fraud risk signals
- Integrated device and behavioral intelligence to detect synthetic identities and reduce application fraud
- Explainable risk metrics that support regulatory compliance and audit trails
- Modular endpoints for loan origination, portfolio monitoring, and reporting workflows
- Customizable risk models and expert consulting to fine-tune lending strategies
- Scalable architecture designed for high‑volume lender networks