Real-time credit Infact operates as a real-time credit bureau offering decisioning data for affordability, credit risk, and KYC, presenting a sales opportunity to financial services players seeking up-to-date risk signals and faster underwriting.

UK market focus Recent partnership with Percayso Inform to bring risk signals to the UK insurance market indicates a path for cross-sell into insurance and embedded insuretech solutions needing real-time risk, identity and fraud data.

Seed growth With seed funding of approximately £4 million and FCA authorisation, Infact is in a growth phase with scalable data infrastructure, presenting opportunities to engage banks, lenders, and fintechs expanding their credit decisioning capabilities.

Limited scale opportunity Team size and revenue under one million suggest a nimble, startup-like salesperson approach; potential partners include mid-market lenders and neobanks seeking modern API-based data integration and faster onboarding.

Data-as-a-service A single API offering for multiple use cases (Affordability, Credit Risk, KYC) enables cross-sell to customers needing unified access to diverse risk signals, fraud checks, and identity verification within a single integration.