Informed

Name

Informed

Legal name

Informed, Inc

Website

https://informediq.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Lending Verification Software

NAICS

Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (51821), Credit Bureaus (56145)

SIC

Services-Prepackaged Software (7372), Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Income, Employment & Cash-Flow Verification (Consumer) (FSAKAKAE)

akta.pro secondary industries

Income & Employment Verification (VOI/VOE, payroll-linked data) (FSAGACAE), Responsible AI, Security & Privacy Platforms (Safety, Guardrails, PII) (HDAEANAG)

Keywords

• Lending verification software
• AI income verification
• Document intelligence lending
• Auto loan automation
• Fraud detection lending

Headquarters

HQ city

Belvedere Tiburon

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. SaaS/Verification Platform Licensing: Informed operates as a SaaS platform providing AI-powered verification services to financial institutions on a subscription and/or usage basis. The platform is embedded in lenders' loan origination workflows via API, LOS integrations, or standalone portal. Revenue is derived from per-verification, per-document, or volume-based pricing tied to loan origination volume processed.
2. Per-Verification / Transaction-Based Pricing: Pricing is tied to verification volume and loan origination volume. The ROI calculator on Informed's website shows inputs for monthly contract volume and number of processors, indicating per-transaction or per-seat pricing components. Fraud loss avoidance is cited as a key ROI metric (1.85% to 2.23% of portfolio), suggesting performance-based or outcome-oriented pricing elements.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels9 records

Core offering

Informed (dba Informed.IQ) builds and sells an AI-powered verification and document intelligence platform that automates income, identity, residence, insurance, asset, and loan stipulation verification for financial institutions. The platform processes over 200 document types, runs on a proprietary Knowledge Graph built from 100M+ loan documents, and delivers 99% accuracy verifications in under 30 seconds with no humans-in-the-loop for auto lenders, consumer lenders, credit unions, and adjacent verticals.

Product overview

Informed operates as a platform-plus-modules architecture offering AI-powered income, identity verification, and fraud detection for financial institutions. The core Informed Auto and Informed Consumer platforms process documents and verify borrower data with 99% accuracy in under 30 seconds. The product portfolio includes Dealer Verify (real-time dealer-facing verification), CollectIQ (digital document collection), Human-in-the-Loop (HITL) Copilot (human-augmented AI review), Informed Defender (documentary fraud detection), and Compliance Solutions (regulatory verification). These modules layer on top of the proprietary Knowledge Graph/Data Consortium platform containing 2+ billion lending data points and 66+ million records to power verification, fraud detection, and decisioning across auto lending, consumer lending, mortgage, and government benefit administration verticals.

Differentiator

Problem solved

Functional benefit

Products and services

• Informed Auto Core AI-powered verification platform for auto lenders that automates income, identity, residence, insurance, and loan condition verifications. Processes 12% of all American auto loans with 99% accuracy in under 30 seconds.
• Informed Consumer AI-powered verification platform for consumer lending that enables real-time, reliable credit decisions without bias for mortgages, personal loans, credit cards, and student loans.
• Dealer Verify AI-based tool enabling auto dealers to verify income and clear consumer stipulations in real time through digital document collection and instant automated verifications, reducing contracts-in-transit. Features include SMS-triggered document collection and real-time classifications and extractions.
• CollectIQ Digital dealer tool using AI to electronically collect and verify car buyer data including comprehensive document automation for efficient data collection from consumers, intended for use by auto dealers and lenders.
• Human-in-the-Loop (HITL) Human-in-the-Loop offering that enables lending staff to verify and correct data extracted by AI, ensuring the highest possible accuracy while streamlining continuous AI model improvements. Includes Informed HITL (trained staff) and HITL Copilot (client's existing staff) options.
• Informed Defender Documentary fraud detection module that identifies fraudulent documents, fake paystubs, and synthetic identities using AI-powered analysis and fraud pattern recognition.
• Knowledge Graph and Data Consortium (Fraud Data Network) Proprietary data network comprising 100M+ records and 2B+ lending data points that powers the Configurable Verticalized AI Platform, enabling fraud pattern detection, income calculations, and predictive insights across lending verticals.
• Compliance Solutions Automated compliance verification covering the full product lifecycle from loan funding to GAP compliance including portfolio monitoring, fee calculations, signature confirmation, and contextual assessments across multiple documents.

Quantifiable outcome

• 99% accuracy in verifications (vs. industry standard of 85-90% via manual processes)
• +10 more outcomes

Named customers13 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability10 records

Feature11 records

Partnerships

Six partnerships are on record, tiered core, minor and major.

• MeridianLinkcoreTechnology or Integration · 12 August 2026MeridianLink partnered with Informed.IQ to integrate AI-driven document automation into its lending platform for indirect auto lending operations. Desert Financial Credit Union's implementation of this combined solution resulted in a 66% increase in daily funder throughput, eliminated overtime requirements, and reduced employee onboarding from two weeks to three days.
• Wells FargominorGTM or Marketing Partner · 23 June 2026Informed.IQ and Wells Fargo co-hosted a webinar to discuss strategies for combating rising fraud risks in the auto lending sector, including AI-generated document forgery and synthetic identities. The session drew on data from Informed.IQ's 2026 Auto Finance Fraud Intelligence Survey and insights from Wells Fargo's auto originations team.
• defi SOLUTIONSmajorTechnology or Integration · 10 September 2025defi SOLUTIONS announced a partnership with Informed.IQ to integrate the latter's AI and machine learning models into its loan origination system. The integration allows lenders to automate funding processes, verify applicant data, and mitigate fraud through real-time document verification. The combined solution was scheduled to be available to all defi SOLUTIONS clients in October 2025.
• Wolters Kluwer Compliance SolutionscoreTechnology or Integration · 12 March 2024Wolters Kluwer Compliance Solutions partnered with Informed.IQ to distribute an AI-driven document intelligence solution that modernizes the vehicle lending lifecycle. The offering combines Wolters Kluwer's market-leading eVault capabilities with Informed.IQ's AI copilot solution for document review, validation, and storage. This collaboration addresses inefficiencies in contract tracking, portfolio management, and data consistency in automotive financing.
• OrigencecoreTechnology or IntegrationOrigence partners with Informed.IQ to automate processing of indirect auto loans for credit unions and dealers. Origence is an lending technology provider serving credit unions, and Informed's verification technology is integrated into Origence's platform to streamline loan processing.
• FISmajorTechnology or IntegrationInformed.IQ teams with FIS to deliver faster lending validation through integration with FIS's financial services technology platform. FIS is a major global provider of banking and payments technology.

Scale indicators15 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Ocrolus: Document AI and income/asset verification platform for lenders, with similar OCR-plus-ML extraction technology targeting small-business lending, mortgage, and consumer credit — directly overlapping with Informed's core document intelligence value proposition.
• Truework: Income and employment verification platform built primarily for mortgage and consumer lenders, providing VOI/VOE via direct payroll integrations — comparable to Informed's income and employment verification capability for the same lender segments.
• Pinwheel: Payroll-linked income and employment verification API serving consumer lenders, banks, and fintechs — overlapping with Informed's income verification and VOI/VOE use cases across consumer and auto lending.
• Argyle: Real-time income and employment data platform sourced from payroll providers, used by lenders and tenant screening platforms — directly comparable to Informed's income verification and tenant screening verticals.
• FormFree: Asset, income, and identity verification solutions for the mortgage industry, with similar focus on automating lender decisioning via document and data verification — comparable to Informed's Informed Consumer / mortgage expansion.

Broad incumbents

• Plaid: Dominant financial data connectivity and verification platform for consumer fintech and lenders — a much broader incumbent whose Income, Auth, and Identity products overlap with Informed's verification layer across consumer lending and fintech customers.
• Yodlee: Established financial data aggregation and verification provider owned by Envestnet, offering bank data, income, and asset verification — comparable to Informed's bank-statement-based asset and income verification functionality.
• Equifax: Major credit bureau offering income, employment, and asset verification through The Work Number — a broad incumbent that competes with Informed across consumer and auto lending verification workflows.
• Experian: Global credit bureau and information services company providing credit, income, fraud, and identity verification — directly comparable to Informed's verification stack as a bundled alternative for lenders.

Emerging players

• Roostify: Digital lending platform for mortgage and consumer lenders that incorporates document and income verification — partially overlapping with Informed's mortgage and consumer lending verification capabilities.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat7 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/17983772

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Funding overview

Funding rounds2 records

Investors5 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Informed