Trust Science
Trust Science is a Canadian fintech that sells AI-driven alternative credit scoring and decisioning SaaS to lenders, using explainable machine learning, proprietary alternative data, and a consortium fraud platform to identify "Invisible Prime" borrowers.
- Company typePrivate
- Founded2018
- HeadquartersEdmonton, Canada
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Trust Science does
Trust Science is a privately-held Canadian fintech headquartered in Edmonton that sells AI-driven alternative credit scoring and decisioning software to lenders. Its flagship products — Credit Bureau+™, T°Score™, CashFlow+™, and Six°Score™ — combine traditional credit bureau data, banking transaction data, and proprietary alternative data (rent, utilities, phone, public records, employment, location) through explainable machine learning models to identify "Invisible Prime" borrowers who are mis-scored or unscored by conventional bureaus. The company operates as a licensed Consumer Reporting Agency in both the U.S. and Canada, holds SOC 2 Type 2 certification, and has been granted 50+ patents across 19 countries protecting its scoring, identity-matching, and Smart Consent™ data-acquisition technologies.
The platform is delivered as SaaS and via APIs that integrate directly into lenders' loan management systems, including a deep integration with Inovatec Systems' Compass Asset Finance platform. In February 2026, Trust Science acquired Lenders API — a Toronto-based consortium fraud-prevention platform built with the Canadian Lenders Association — extending the product surface into real-time detection of loan stacking, bust-out fraud, and synthetic identity schemes. Go-to-market is enterprise field sales augmented by channel partnerships (Inovatec, Conecta Marketing, ConsumerCapital Canada) targeting auto lenders, installment lenders, banks, credit unions, and securitization houses in North America.
The business model combines SaaS subscriptions (Credit Bureau+), usage-based API pricing (Six°Score), and professional services for custom underwriting models and risk strategy. The company has disclosed approximately $20.3M in funding across four reported rounds (2018 through 2022) and is preparing to raise a Series B; pricing is quote-based with multi-year enterprise contracts, and no revenue figures have been publicly disclosed.
Trust Science firmographics
Firmographics- Name
- Trust Science
- Legal name
- Trust Science Inc.
- Website
- https://trustscience.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Trust Science is a Canadian fintech that sells AI-driven alternative credit scoring and decisioning SaaS to lenders, using explainable machine learning, proprietary alternative data, and a consortium fraud platform to identify "Invisible Prime" borrowers.
- Ownership category
- akta.pro rank
Trust Science industry classification
Industry- Product category
- Alternative Credit Scoring Software
- NAICS
- Credit Bureaus (561450), Activities Related to Credit Intermediation (5223)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC)
- akta.pro secondary industries
- Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA), Alternative / Non-Traditional Credit Data Providers (FSAKAKAB)
Keywords
Where Trust Science is headquartered
LocationHeadquarters
- HQ city
- Edmonton
- HQ country
- Canada
- HQ region
- North America
Offices1 record
Markets served
Trust Science business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations
Revenue model
- Credit Bureau+ SaaS Subscription: Cloud-based SaaS platform subscription model for lenders to access credit scoring, fraud detection, and decisioning capabilities. Pricing likely based on transaction volume or portfolio size given enterprise B2B nature.
- Six°Score API Access: API-based credit scoring service integrated into lenders' loan management systems. Revenue based on API usage and score requests.
- Professional Services: Custom model development, integration services, and risk strategy consulting for lenders implementing the platform.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | Enterprise enterprise lending institutions - custom pricing |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels6 records
Trust Science product offering
Product offeringCore offering
Trust Science provides an AI-powered SaaS credit decisioning platform (Credit Bureau+™, T°Score™, CashFlow+™) that combines traditional bureau data with alternative and proprietary data to score borrowers overlooked by conventional credit scoring. The platform includes explainable AI scoring, Smart Consent™ for consumer-permissioned data, and fraud detection capabilities serving lenders including banks, credit unions, auto lenders, and consumer finance companies.
Product overview
Trust Science operates as an AI-driven risk and decisioning SaaS platform serving financial institutions. The core Credit Bureau+™ platform integrates with multiple data sources including traditional credit bureaus, banking transactions, and alternative data to deliver comprehensive credit risk assessment. The product suite centers on three main solutions: Credit Bureau+™ for complete borrower profiles and fraud prevention, T°Score™ for trustworthiness scoring, and CashFlow+™ for income and cash flow analysis. These are complemented by Six°Score™ as the proprietary credit scoring engine and specialized offerings including Auto Six°Score™ for automotive lenders, Smart Consent™ for consumer-permissioned data collection, and Rating Agency 2.0™ for securitization. Services include Customer Acquisition, Risk Strategy, and the recently acquired Lenders API for real-time fraud prevention. The platform targets lenders seeking to serve the Invisible Prime segment—consumers with limited traditional credit history—using explainable AI and machine learning to automate credit decisioning from lead to loan while maintaining FCRA, ECOA, PIPEDA, and CPRA compliance.
Differentiator
Problem solved
Functional benefit
Brands
- Credit Bureau+™: AI-powered credit decisioning platform providing real-time credit data from traditional, alternative, and proprietary sources for modern lending.
- T°Score™
- CashFlow+™
- Six°Score™
- Smart Consent™
- Rating Agency 2.0™
- One Touch Lending™
- TrustStart™ App
Products and services
- Credit Bureau+™ A SaaS platform providing real-time access to credit data from traditional, alternative, and proprietary sources. Empowers credit issuers to fight fraud, delivers a complete borrower profile, and provides fresh reliable insights for faster credit decisions.
- T°Score™ / Six°Score™ A patented trustworthiness scoring technology that combines traditional, alternative, and proprietary data to provide lenders with a deeper view of every borrower and identify creditworthy borrowers in the Invisible Prime segment.
- CashFlow+™ Advanced data analysis delivering accurate, actionable insights into income patterns, cash flow reliability, and overall financial behavior to empower lenders with data-informed decisions.
- Lenders API A real-time fraud prevention and consortium data platform enabling participating lenders to detect fraudulent borrowing activity including loan stacking, bust-out fraud, and synthetic identity schemes in real time without sharing proprietary customer data.
- Smart Consent™ Direct-to-consumer technology for gathering consented, permissioned data from loan applicants, collecting personal information including mobile device data, location, social media, and transaction data with user consent.
- Rating Agency 2.0™ Advanced re-underwriting capabilities for securitization, providing a clearer view of credit quality to support informed buying and selling decisions while minimizing risk.
- Customer Acquisition Services AI-powered targeted campaigns designed to boost customer acquisition and conversion based on specific underwriting needs, reaching ideal customers with precision.
- Risk Strategy Services Decisioning platform with expert recommendations to transform risk strategy into a competitive edge, enabling lenders to grow volume confidently while staying ahead of evolving risks.
- Auto Six°Score™ Specialized credit scoring solution for automotive lenders that identifies creditworthy borrowers in the auto lending market using alternative data and AI-driven assessment.
Quantifiable outcome
- 27.9% increase in earnings for lenders using Credit Bureau+™
- +5 more outcomes
Companies that use Trust Science
Customer profileNamed customers12 records
Segments5 records
Ideal customer profiles4 records
Trust Science technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability7 records
Feature6 records
Trust Science partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core, secondary and minor.
- Canadian Lenders Association (CLA)coreThrough acquisition of Lenders API (developed in collaboration with CLA), Trust Science gains access to consortium fraud prevention infrastructure built with CLA's SMB, consumer, and automotive finance members. Enables industry-wide defense system against coordinated lending fraud.
- Conecta Marketing GroupsecondaryStrategic partnership to help lenders find Invisible Prime prospects. Trust Science's AI-powered credit decisioning platform enhances Conecta's unified marketing platform with pre-qualification and pre-approval capabilities. Collaboration enables lenders to expand offerings and improve customer acquisition through digital communication channels.
- ConsumerCapital Canada (CanCap Group)corePartnership to deliver financially inclusive, automated credit decisioning from lead to loan. Combines credit file information with banking transaction information through One Touch Lending solution. Brings unprecedented levels of automation and accuracy to lead buying and loan underwriting process for ConsumerCapital Canada.
- Imran Khan (Advisory Board)minorGlobal Head of Innovation at TD Bank Group joined Trust Science's CEO Advisory Board. TD is a top 5 North American bank by assets ($1.7 Trillion).
- Inovatec Systems CorporationcorePartnership to release world's first end-to-end loan management platform powered by alternative credit scores. Trust Science's Six°Score integrated into Inovatec's Compass Asset Finance (CAF) platform, enabling lenders to accurately score and lend to 64 million unbanked/underbanked consumers in the US. BETA version underway with general release expected June 2019.
Scale indicators7 records
Recent moves6 records
Expansion highlights6 records
Trust Science competitors and assessment
Company assessmentBroad incumbents
- Equifax: One of the three major U.S. consumer credit bureaus, providing consumer credit reports, scores, and increasingly alternative-data products. Directly comparable to Trust Science as a credit reporting agency, but vastly larger, with global infrastructure and embedded lender contracts.
- Experian: Global credit bureau and information services company operating in consumer and commercial credit. Comparable to Trust Science on credit reporting and scoring, and is a direct competitor through its alternative-data products such as Experian Boost.
- TransUnion: Major U.S. and global consumer credit bureau. Comparable to Trust Science in core credit reporting and scoring offerings, with broader analytics, fraud, and identity portfolios serving lenders across multiple verticals.
- FICO: Dominant provider of consumer credit scores (FICO Score) used across U.S. lending. Trust Science's Six°Score competes in the same credit-scoring layer of the lending stack, though FICO operates at a much larger scale and broader distribution.
- Plaid: Open-banking data connectivity platform enabling consumer financial data sharing with applications and lenders. Comparable to Trust Science in the alternative-data-for-credit ecosystem (Trust Science's CashFlow+ and Smart Consent rely on bank transaction data), though Plaid is a horizontal infrastructure provider rather than a credit decisioning vendor.
Direct peers
- Upstart: AI-powered lending marketplace and credit decisioning platform that uses alternative data and ML to underwrite loans. Comparable to Trust Science in AI-driven alternative credit scoring and lender-facing decisioning, with an additional consumer lending marketplace offering.
- Zest AI: AI-powered credit underwriting software for lenders, focused on machine-learning scoring models to expand approvals and reduce risk. Directly comparable to Trust Science's Six°Score / Credit Bureau+ as a B2B AI underwriting platform for banks and credit unions.
- Provenir: AI-based risk decisioning platform for financial services, combining data orchestration, decisioning, and credit scoring. Comparable to Trust Science as an enterprise risk and decisioning platform serving lenders with alternative-data inputs.
- Scienaptic AI: AI-powered credit underwriting platform serving banks, credit unions, and fintech lenders with explainable decisioning. Comparable to Trust Science in providing explainable AI credit decisioning at the lender-facing enterprise layer.
Emerging players
- Nova Credit: Credit infrastructure company that translates international credit data for newcomers to the U.S., serving lenders with thin-file and immigrant borrowers. Comparable to Trust Science on the 'Invisible Prime' / thin-file thesis, though focused specifically on cross-border credit data.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Trust Science social profiles
Digital presenceTrust Science compliance and trust
Trust signalCompliance3 records
Trust Science financial estimates
Financial estimateRevenue estimate
Valuation estimate
Trust Science leadership team
Management profileNumber of profiles
Profiles10 records
Trust Science subsidiaries and ownership
Company hierarchySubsidiaries2 records
Trust Science funding detail
Funding detailFunding overview
Funding rounds5 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Trust Science M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Trust Science
What does Trust Science do?
Trust Science provides an AI-powered SaaS credit decisioning platform (Credit Bureau+™, T°Score™, CashFlow+™) that combines traditional bureau data with alternative and proprietary data to score borrowers overlooked by conventional credit scoring. The platform includes explainable AI scoring, Smart Consent™ for consumer-permissioned data, and fraud detection capabilities serving lenders including banks, credit unions, auto lenders, and consumer finance companies.
Is Trust Science a public or private company?
Trust Science is a private company. It is classified as venture growth investor backed and is currently operating.
When was Trust Science founded?
Trust Science was founded in 2018. It employs 11 to 50 people.
Where is Trust Science based?
Trust Science is headquartered in Edmonton, Canada, in the North America region.
How does Trust Science make money?
Three revenue lines are on record. Credit Bureau+ SaaS Subscription is the primary driver. The others are six°Score API Access and professional Services.
Who are Trust Science's main competitors?
Broad incumbents on record are Equifax, Experian, TransUnion, FICO and Plaid. Direct peers are Upstart, Zest AI, Provenir and Scienaptic AI. Nova Credit is listed as an emerging player.
Does Trust Science have an API?
No public API is recorded for Trust Science.
What industry is Trust Science in?
Trust Science's product category is Alternative Credit Scoring Software. Its primary akta.pro industry code is FSAGAHAC, Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking), with a secondary code of FSAKAKAA, Credit Bureaus & Consumer Credit Reporting Agencies. Its NAICS code is 561450 and its SIC code is 7320.