FairFigure

What FairFigure does

FairFigure is a US-based business credit building platform founded in 2021 and headquartered in Fort Lauderdale, Florida, serving small and growing US businesses with credit monitoring, financing, and credit profile development. Its core product stack combines FairFigure Premium, a subscription offering tri-bureau business credit scores from Dun & Bradstreet, Equifax, and Creditsafe with tradeline reporting on the subscription itself, and the FairFigure Lift Card, an EIN-only business credit builder that funds deposits directly into a business bank account without personal credit checks or personal guarantees and reports payments to major bureaus (Equifax, Experian, SBFE, Creditsafe). The platform also offers a Capital Card for businesses with at least $2,500 in deposits, add-on modules (Pulse for real-time alerts, Signal and Unify for accelerated credit building, and Guard for insurance), and a Foundation Report targeting brand-new businesses with no bureau footprint.

Underlying technology is a self-serve, web-based platform integrated with five major US commercial credit data providers and with Plaid for read-only bank data ingestion. FairFigure analyzes account history, daily balances, and transaction patterns to generate funding offers based on expected future revenue, then funds those offers to the user's Lift Card at a discount. The data center is PCI DSS compliant, and the platform is positioned as a direct-to-consumer, three-step digital onboarding flow.

The business model mixes recurring subscription revenue (Premium, billed monthly) with transaction-based financing economics on the Lift Card and Capital Card, where FairFigure purchases deposits at a discount and earns the spread. Distribution is digital-first via the company website, supplemented by a formal Partner Program for referrals. Pricing is freemium at the entry tier (free Creditsafe-based monitoring) and tiered upward into paid subscription and financed products, targeting three SMB segments — new businesses building initial credit, growing businesses with 3+ months of history, and established businesses seeking higher funding limits.

Name

FairFigure

Legal name

FairFigure

Website

https://fairfigure.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

FairFigure is a US-based business credit platform serving small businesses with tri-bureau credit monitoring, EIN-only financing via the Lift Card, and credit-building tradeline reporting through a self-serve digital product integrated with major commercial credit bureaus.

Ownership category

akta.pro rank

Product category

Business Credit Monitoring & Financing

NAICS

Activities Related to Credit Intermediation (5223), Sales Financing (52222)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Credit Score Monitoring & Credit Building (FSAGADAE)

Keywords

• Business credit monitoring
• Business credit building
• EIN-only financing
• Credit builder card
• Tri-bureau reporting

Headquarters

HQ city

Fort Lauderdale

HQ country

United States

HQ region

North America

Markets served

GTM type

B2C

Offering type

Software

Cost components

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

Revenue model

1. Subscription Revenue: FairFigure Premium is a subscription-based service that provides tri-bureau business credit scores and reports, with the monthly subscription fee reported as a business tradeline to help build credit.
2. FairFigure Lift Card: Provides deposit-based financing where FairFigure purchases deposits at discounted rates and funds them to the Lift Card. Users select payback terms and payments are reported to bureaus. Revenue derived from the financial spread and payment terms.
3. FairFigure Capital Card: For businesses with $2,500+ in deposits, provides funding options that help supercharge credit scores while providing capital access.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

FairFigure is a business credit building platform that combines tri-bureau credit monitoring (D&B, Equifax, Creditsafe, Experian) with deposit-based EIN-only financing products (Lift Card, Capital Card). The company offers free basic monitoring through FairFigure Basic, a paid subscription (FairFigure Premium) that also reports as a tradeline, credit acceleration tools (Unify, Pulse, Signal, Foundation Report), and an insurance add-on (FairFigure Guard) — enabling US small businesses to establish, monitor, and grow commercial credit without personal guarantees.

Product overview

FairFigure is a business credit building platform offering a suite of interconnected products. The core platform consists of FairFigure Premium (subscription with tri-bureau monitoring and tradeline reporting) and the FairFigure Lift Card (EIN-only credit builder). Premium subscribers access add-on tools including Unify, Pulse, and Signal to accelerate credit building. The platform integrates with major credit bureaus (D&B, Equifax, Experian, Creditsafe, SBFE) and uses Plaid for secure financial data analysis. Additional products include FairFigure Guard (insurance) and the Foundation Report for new businesses. Together, these products enable businesses to build credit, monitor scores, and access funding through a single platform.

Differentiator

Problem solved

Functional benefit

Brands

• FairFigure Lift Card: EIN-only business credit builder card that allows businesses to build credit while making purchases. Features include no personal credit check and payment reporting to business credit bureaus.
• FairFigure Premium
• FairFigure Basic
• FairFigure Pulse
• FairFigure Guard
• FairFigure Lift
• Foundation Report

Products and services

• FairFigure Premium A monthly subscription that provides tri-bureau business credit scores and reports from D&B, Equifax, and Creditsafe. Premium subscribers have their subscription fee reported as a business tradeline, and gain access to credit acceleration tools (Unify, Pulse, Signal) for faster credit building.
• FairFigure Lift Card An EIN-only business credit builder card that funds deposits directly into the user's business bank account. No personal credit checks or personal guarantees required; payments are reported to major commercial credit bureaus to build business credit. Funding typically $500–$5,000 depending on account history and daily balance.
• FairFigure Capital Card A funding option available to businesses that have been operating for 3+ months with at least $2,500 in deposits, providing supercharged score-building tradelines and immediate funding access. Funding amounts typically $500–$5,000 based on account history.
• FairFigure Pulse Real-time business credit alerts that notify users of changes to their credit scores and reports, enabling quick identification of errors or opportunities. Available to FairFigure Premium subscribers.
• FairFigure Guard An insurance product for small businesses designed to protect business operations and complement the FairFigure credit building platform.
• Foundation Report A tri-bureau Commercial Monitoring and Score Boosting report offered to new businesses. Provides access to Commercial Monitoring and Score Boosting features to help establish initial business credit profiles.
• FairFigure Basic (Business Credit Monitoring) A free business credit monitoring service that provides access to a real business credit score and report from Creditsafe, allowing users to track their business credit trajectory from a lender's perspective. Upgrade path to the Premium tier exists.

Quantifiable outcome

• 20,000+ businesses served on the platform
• +2 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability2 records

Feature5 records

Partnerships

Six partnerships are on record, tiered core.

• Dun & Bradstreet (D&B)coreTechnology or IntegrationFairFigure integrates with Dun & Bradstreet for business credit monitoring and reporting. The platform tracks D&B business credit scores and reports tradeline information to help businesses build their D&B credit profile.
• EquifaxcoreTechnology or IntegrationFairFigure monitors business credit scores with Equifax and reports payment information to Equifax Commercial as part of its credit building service.
• CreditsafecoreTechnology or IntegrationFairFigure provides free access to real business credit scores and reports from Creditsafe. Premium tier includes Creditsafe monitoring alongside D&B and Equifax.
• ExperiancoreTechnology or IntegrationFairFigure reports to Experian Business and Experian Commercial, providing businesses with credit building tradelines reported to this major bureau.
• SBFE (Small Business Financial Exchange)coreTechnology or IntegrationFairFigure reports business payment data to SBFE, which distributes the information to commercial credit bureaus to strengthen business credit profiles.
• PlaidcoreTechnology or IntegrationFairFigure uses Plaid for secure read-only access to business financial data for credit assessment and monitoring purposes. This provides secure integration with business bank accounts without exposing login information.

Scale indicators1 record

Recent moves6 records

Expansion highlights6 records

Direct peers

• Fundbox: SMB financing and credit platform offering short-term working capital and credit-building tools to small businesses, comparable funding customer and underwriting approach.
• Biz2Credit: SMB credit matching and small-business lending platform serving similar borrower profiles; comparable workflow of credit evaluation followed by funding offers.
• Lendio: Business loan marketplace matching SMBs with a range of credit products; competes for the same customer looking to build business credit and access capital.
• Nav: Business credit monitoring and lender marketplace connecting SMBs to financing options; directly overlaps on credit profile and funding recommendations for small businesses.
• Kovo: Subscription-based business credit builder for SMBs with tradeline reporting and EIN underwriting; closest direct analogue to FairFigure's product-led model and target customer.
• Fundera: Business financing marketplace aggregating SMB lending products and credit-building education; overlaps on the funder-matching and SMB funding experience.

Broad incumbents

• OnDeck: Established small business lender offering term loans and lines of credit; competes for the same growth-stage SMB customer seeking capital to build business credit.
• BlueVine: Established SMB banking and financing platform offering credit lines, term loans, and checking; broader product portfolio but overlapping SMB funding customer base.
• Experian Business: Commercial credit bureau division offering business credit reports, scores, and monitoring; a data partner to FairFigure and a broader incumbent with overlapping monitoring capabilities.
• Dun & Bradstreet: Major commercial credit bureau and data partner that also offers business credit monitoring and scoring products; partial overlap as both bureau and competitor for credit visibility use cases.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/FairFigure
• Facebookfacebook.com/FairFigure
• LinkedInlinkedin.com/company/fairfigure

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 FairFigure