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Infact: The Real-Time Credit Bureau Bet
A $2.9M revenue startup challenging the legacy credit bureau giants with real-time data.
The credit reporting industry is dominated by giants built on batch-processed, stale data. Infact.io is betting that lenders need real-time visibility to make better decisions, and they're building the infrastructure to deliver it.
"Legacy credit bureaus were built for the 1990s. Infact is building for the API-first economy."
The Real-Time Advantage
Traditional bureaus operate on batch cycles—data is often weeks or months old. Infact's core promise is immediacy: a single API to search, report, and manage credit information as it happens. For lenders, this means catching defaults the day they happen, not the month after.
Niche but Strategic
With 21 employees and $2.9M in revenue, Infact is lean. Their traffic is modest (3.2k monthly visits), but highly targeted. The 'undefined' country category likely points to a UK/EU focus where they hold a privacy policy, targeting a specific regulatory gap left by US-centric incumbents like Experian and Equifax.
The tech stack reveals a modern, web-first approach. Using jQuery, Tailwind, and Bootstrap suggests a focus on rapid frontend development, while Google Analytics and Tag Manager indicate a data-driven marketing strategy. They aren't reinventing the wheel; they're optimizing for speed and iteration.
- The 'first' claim is bold: They are positioning themselves as a new category (real-time bureau), not just an incremental improvement.
- Founder-led engineering: The team includes engineers who likely built the core API from scratch, ensuring technical depth.
- LinkedIn as the careers hub: A common signal for early-stage tech companies prioritizing developer talent over corporate recruiting.
The Verdict: A High-Risk, High-Reward Infrastructure Play
Infact is tackling a massive, entrenched market. Their success hinges on convincing lenders to switch from legacy giants to a real-time API—a classic infrastructure disruption play with a long sales cycle but massive upside.
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Infact | Accurate real-time credit data
The first real-time credit bureau. We provide a single API for lenders to search, report and manage credit information.
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About infact.io
The first real-time credit bureau. We provide a single API for lenders to search, report and manage credit information.
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infact.io uses 21 technologies across their website including Google Fonts, HSTS, Contentful, and more.
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infact.io receives approximately 3.2K monthly visitors and ranks #4,925,095 globally. The website has a bounce rate of 54% with visitors viewing an average of 2.1 pages per visit. Users spend an average of 1:14 on the site.
The majority of infact.io's traffic comes from .
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