Informativ
Informativ is a Frisco, Texas-based fintech platform delivering fraud prevention, credit, compliance, and payment solutions to over 7,000 automotive dealers, lenders, and software platforms. Backed by Capstreet, it operates as a vertical SaaS business in the automotive finance industry.
- Company typePrivate
- Founded2023
- HeadquartersFrisco, United States
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What Informativ does
Informativ is a Frisco, Texas-based fintech platform serving the automotive and consumer finance industries. Originally founded in 2004 as CBC, the company rebranded to Informativ in January 2023 and relocated its headquarters from Fresno, California to Frisco, Texas. The company is backed by Capstreet, a lower middle-market private equity firm, and operates with 51-100 employees. It serves a customer base of more than 7,000 automotive dealers along with lenders, credit unions, and software platforms in the indirect-lending ecosystem.
The company's product portfolio includes Fraud Prevention, Customer Insights, Credit Solutions, Credit Compliance, Dealership Compliance Software, a Payments API, SmartPencil, Verified Stips, and a Total Solution offering. Underlying technology comprises computer vision for ID verification across 250+ state barcodes, anomaly-detection models for synthetic fraud, an exclusive Equifax soft-pull arrangement, QR-code-driven mobile consumer data, and wealth-tier intelligence APIs. The platform is built around digital deal jackets, structured compliance workflows, and API-distributed services that integrate with dealer management systems (DMS) and lending platforms.
Informativ generates revenue through SaaS subscriptions, usage-based API pricing (per credit report, per verification, per transaction), and professional services. Its go-to-market leverages an extensive software affiliate network and partnerships with major automotive technology platforms including CUDL, ComplyAuto, Dealer eProcess, Equifax, and AutoFi. Customer segments span automotive dealers, credit unions, lenders, and consumer finance providers, with the company positioned as a compliance specialist amid tightening regulatory requirements such as the FTC Safeguards Rule.
Informativ firmographics
Firmographics- Name
- Informativ
- Legal name
- Informativ
- Website
- https://informativ.com
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Informativ is a Frisco, Texas-based fintech platform delivering fraud prevention, credit, compliance, and payment solutions to over 7,000 automotive dealers, lenders, and software platforms. Backed by Capstreet, it operates as a vertical SaaS business in the automotive finance industry.
- Ownership category
- akta.pro rank
Informativ industry classification
Industry- Product category
- Automotive Fintech — Dealership Credit & Compliance Software
- NAICS
- Software Publishers (5132)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320), Services-Prepackaged Software (7372)
- akta.pro primary industry
- Risk, Fraud & 3DS Orchestration for Payments (FSAGABAL)
- akta.pro secondary industries
- Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK), Account Verification & Ownership (AVS/AOV, micro-deposits, auth) (FSAGACAB)
Keywords
Where Informativ is headquartered
LocationHeadquarters
- HQ city
- Frisco
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Informativ business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Software Platform Subscriptions: SaaS platform subscription model providing credit, compliance, fraud prevention, and customer insights solutions to automotive dealers and lenders. Accessed through extensive network of software affiliate partners.
- API Usage-Based Pricing: Usage-based pricing model for Payments API. Low barrier to entry, aligns cost with value. Partners pay based on API call volume or transaction processing.
- Professional Services: Implementation, training, and support services for deployment of compliance and credit solutions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Pay-as-you-go | Usage-based pricing for Payments API |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels8 records
Informativ product offering
Product offeringCore offering
Informativ sells a unified software platform that delivers fraud prevention (ID and synthetic identity detection against 250+ state driver's license barcodes), dealership compliance enforcement (FTC Safeguards Rule, GLBA, Red Flags Rule), credit reporting and prequalification via major bureaus, mobile-first QR-code consumer lead generation, a VIN-specific Payments API for real-time credit-qualified lease and loan calculations, deal structuring (SmartPencil), and stipulation verification. The platform is sold to U.S. automotive dealers, dealer groups, lenders, and consumer finance companies, with distribution through direct enterprise sales and an API-first channel embedded in third-party automotive software platforms.
Product overview
Informativ is a unified automotive technology platform providing complete fraud prevention, compliance, credit, customer insights, and payment solutions for automotive dealers and lenders. The platform integrates multiple acquired brands (Credit Bureau Connection, CreditDriver, Dealer Safeguard Solutions, Carmatic) into a cohesive product portfolio. Core offerings include: Fraud Prevention (ID/synthetic fraud detection), Customer Insights (mobile-first lead generation and prequalification), Credit Solutions (credit reporting), Dealership Compliance Software (FTC Safeguards Rule compliance), Payments API (real-time payment calculations), SmartPencil (deal structuring), and Verified Stips. These products work together to cover the full automotive sales lifecycle from lead generation through funded deals, unified under an API-first architecture designed for software platform integration.
Differentiator
Problem solved
Functional benefit
Brands
- Customer Insights: Mobile-first consumer credit prequalification and lead generation technology (previously CreditDriver)
- SmartPencil
- Payments API
- Verified Stips
- Total Solution
Products and services
- Fraud Prevention ID and synthetic fraud detection technology that scans driver licenses against 250+ state barcodes and detects fraudulent identities created by combining different pieces of personal information. Sold to U.S. automotive dealerships and lenders.
- Customer Insights (formerly CreditDriver) Mobile-first consumer prequalification and lead generation solution using QR code technology and mobile device identification to deliver enriched customer data to dealerships, claiming 30% higher conversion rates than website prequalification.
- Credit Solutions Credit reporting and prequalification solutions providing soft pull and hard pull credit reports through Experian, TransUnion, and Equifax integrations. Sold to automotive dealers and lenders.
- Credit Compliance Compliance solutions helping dealerships meet FTC Safeguards Rule requirements and other regulatory obligations for protecting consumer information.
- Dealership Compliance Software Proactive, consistent, and enforceable compliance process platform for in-store and remote deals that protects consumer data and prevents regulatory violations across the dealership.
- Payments API VIN-specific, real-time payment calculation API providing credit-qualified financing terms incorporating taxes, fees, OEM incentives across lease and loan scenarios. Distributed via usage-based pricing to automotive software platforms.
- SmartPencil
Quantifiable outcome
- 30% higher conversion rates with mobile-first QR code prequalification vs website prequalification
- +5 more outcomes
Companies that use Informativ
Customer profileNamed customers15 records
Segments4 records
Ideal customer profiles3 records
Informativ technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability5 records
Feature7 records
Informativ partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and major.
- Dealer eProcesscoreDealer eProcess (DEP) selected Informativ's Payments API to power payment calculation functionality within its digital retailing platform, Everest Retailing. API provides VIN-specific, real-time payment calculations incorporating taxes, fees, OEM incentives, and credit-qualified financing terms across lease and loan scenarios. Selected after competitive evaluation citing fast response times, flexible platform, competitive pricing, and easy integration.
- CUDLcoreStrategic partnership with CUDL, the leading credit union vehicle financing platform, to deliver fully-digital solution for auto dealerships. Platform digitizes identity verification, credit applications, stipulations, and compliance checkpoints. Claims 80% reduction in compliance burden, real-time data on trade-in equity, loan balances, and credit eligibility. Partnership aims to help dealerships close more deals with faster processing, fraud protection, and stronger profitability.
- ComplyAutomajorStrategic alliance to create AI-powered end-to-end compliance platform for automotive dealerships in the US. Combined Informativ's showroom compliance engine, fraud prevention, and credit bureau solutions with ComplyAuto's privacy software. Streamlines compliance workflows that currently take hours to complete. Partnership showcased at NADA trade show in New Orleans, January 24-26, 2025.
- EquifaxcoreExclusive partnership with Equifax for soft pull credit data powering Informativ's Customer Insights and prequalification technology. Equifax provides consumer financial health data enabling dealers to gain insight into consumers' financial health to structure deals prior to advancing. Partnership supports 30% higher conversion rates with mobile-first prequalification.
- AutoFicorePartnership with AutoFi, the leading provider of digital commerce technology powering sales and finance experiences across automotive industry. Integration streamlines compliance check process and improves dealership sales process.
Scale indicators9 records
Recent moves8 records
Expansion highlights7 records
Informativ competitors and assessment
Company assessmentDirect peers
- AutoFi: Provider of digital commerce technology for automotive sales and finance. AutoFi integrates credit, compliance, and deal structuring into dealer workflows, overlapping directly with Informativ's Total Solution suite and serving the same dealer software partners.
- EFG Companies: Provider of F&I products, compliance, and dealer training solutions, overlapping with Informativ's compliance and credit-reporting capabilities in the dealership back office.
- RouteOne: Credit application processing network connecting dealers to lenders, offering credit reporting and compliance tooling that competes directly with Informativ's credit and compliance solutions for automotive retailers.
- Dealer eProcess (DEP): Digital retailing platform for automotive dealers whose Everest Retailing product selected Informativ's Payments API after a competitive evaluation. DEP competes with Informativ in adjacent dealer-software layers while also serving as a distribution partner.
- ComplyAuto: AI-powered compliance platform purpose-built for automotive dealerships, directly competing with Informativ's Dealership Compliance Software. ComplyAuto is also a strategic ally of Informativ via a2025 partnership, making it both a competitor and a collaborator in the dealer compliance category.
- CUDL (Credit Union Direct Lending): Leading credit union vehicle financing platform that distributes Informativ's fraud and compliance solutions while also offering its own digitized identity verification and credit-application workflows to dealers—making CUDL both a channel and a peer.
Regional players
- Dominion DMS: Dealership management system provider whose VUE Points podcast has featured Informativ leadership. Dominion competes in dealer software workflows and could either integrate or displace Informativ at the DMS layer.
Broad incumbents
- Dealertrack (Cox Automotive): Cox Automotive's dealer financing and DMS platform offering credit application processing, compliance, and lender connectivity. As a broad incumbent, Dealertrack bundles capabilities that overlap with Informativ's stack into a wider enterprise suite.
- DealerSocket (Cox Automotive): Dealer CRM and marketing platform owned by Cox Automotive with adjacent credit, compliance, and desking features that overlap with Informativ's suite across the customer lifecycle.
- Wolters Kluwer Compliance: Large incumbent compliance and regulatory technology provider whose RegTech offerings overlap with Informativ's compliance engine, particularly for lenders and financial institutions beyond auto.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Informativ social profiles
Digital presenceInformativ financial estimates
Financial estimateRevenue estimate
Valuation estimate
Informativ leadership team
Management profileNumber of profiles
Profiles7 records
Informativ subsidiaries and ownership
Company hierarchySubsidiaries4 records
Informativ funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Informativ 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 Informativ
What does Informativ do?
Informativ sells a unified software platform that delivers fraud prevention (ID and synthetic identity detection against 250+ state driver's license barcodes), dealership compliance enforcement (FTC Safeguards Rule, GLBA, Red Flags Rule), credit reporting and prequalification via major bureaus, mobile-first QR-code consumer lead generation, a VIN-specific Payments API for real-time credit-qualified lease and loan calculations, deal structuring (SmartPencil), and stipulation verification. The platform is sold to U.S. automotive dealers, dealer groups, lenders, and consumer finance companies, with distribution through direct enterprise sales and an API-first channel embedded in third-party automotive software platforms.
Is Informativ a public or private company?
Informativ is a private company. It is classified as private equity controlled and is currently operating.
When was Informativ founded?
Informativ was founded in 2023. It employs 101 to 250 people.
Where is Informativ based?
Informativ is headquartered in Frisco, United States, in the North America region.
How does Informativ make money?
Three revenue lines are on record. Software Platform Subscriptions are the primary driver. The others are API Usage-Based Pricing and professional Services.
Who are Informativ's main competitors?
Direct peers on record are AutoFi, EFG Companies, RouteOne, Dealer eProcess (DEP), ComplyAuto and CUDL (Credit Union Direct Lending). Dominion DMS is listed as a regional player. Broad incumbents are Dealertrack (Cox Automotive), DealerSocket (Cox Automotive) and Wolters Kluwer Compliance.
Does Informativ have an API?
Yes. Informativ Payments API provides VIN-specific, real-time payment calculations incorporating taxes, fees, incentives, and credit-qualified financing terms across lease and loan scenarios. The API is API-first, designed for software companies serving automotive dealers including marketplaces, agencies, website providers, digital retail platforms, AI and chat experiences. Features include fast response times, flexible platform, competitive pricing, and easy integration with no workflow disruption. Usage-based pricing model. Developer documentation is at informativ.com/solutions/payments-api.
What industry is Informativ in?
Informativ's product category is Automotive Fintech — Dealership Credit & Compliance Software. Its primary akta.pro industry code is FSAGABAL, Risk, Fraud & 3DS Orchestration for Payments, with a secondary code of FSAGALAK, Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes). Its NAICS code is 5132 and its SIC code is 7320.