MicroBilt Corporation
MicroBilt Corporation is a privately held U.S. alternative credit data and risk management platform, founded 1977 and based in Kennesaw, Georgia, that aggregates non-traditional consumer and business financial data to power credit decisioning, identity verification, background screening, and business credentialing for lenders, debt buyers, banks, and employers via an API-first product suite.
- Company typePrivate
- Founded1977
- HeadquartersKennesaw, United States
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What MicroBilt Corporation does
MicroBilt Corporation is a privately held alternative credit data and risk management platform founded in 1977, headquartered in Kennesaw, Georgia, and incorporated in Delaware. The company aggregates non-traditional consumer and business financial data — including bank, telecom, public records, and consumer-permissioned alternative trade data contributed through its PRBC product — and serves lenders, debt buyers, banks, employers, and other enterprises that need credit, identity, and risk signals beyond the traditional bureaus. The platform exposes 45+ products covering credit decisioning, consumer insights, background screening, and business credentialing, and is delivered API-first so customers can embed scoring, verification, and monitoring calls directly into origination and servicing workflows.
The company operates a credentialing division branded ComplyTraq and offers a predictive scoring layer called iPredict Advantage. It holds FCRA certification as a consumer reporting agency and Nacha Preferred Partner status, reflecting the regulatory posture required for its ACH and consumer-reporting use cases. Its products serve roughly 15 verticals including mortgage, collections, tenant screening, subprime auto, payday, and fintech.
MicroBilt earns revenue through a mix of subscription contracts and per-transaction data fees, with pricing tied to the specific data product, query volume, and customer segment. Go-to-market is enterprise B2B, primarily direct, with integration delivered through APIs. The company has 101-250 employees and has been self-sustaining for nearly five decades; the only visible external capital event is an undisclosed TTV Capital investment in September 2016, with prior M&A including the 2008 acquisition of PRBC and the 2005 acquisition of Profit Systems Software. Data export is restricted to customers within the 50 U.S. states, indicating a U.S.-only commercial footprint.
MicroBilt Corporation firmographics
Firmographics- Name
- MicroBilt Corporation
- Legal name
- MicroBilt Corporation
- Website
- https://microbilt.com
- Company type
- Private
- Founded year
- 1977
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- MicroBilt Corporation is a privately held U.S. alternative credit data and risk management platform, founded 1977 and based in Kennesaw, Georgia, that aggregates non-traditional consumer and business financial data to power credit decisioning, identity verification, background screening, and business credentialing for lenders, debt buyers, banks, and employers via an API-first product suite.
- Ownership category
- akta.pro rank
MicroBilt Corporation industry classification
Industry- Product category
- Alternative Credit Data & Risk Management
- NAICS
- Credit Bureaus (561450), Credit Bureaus (56145), 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
- Alternative / Non-Traditional Credit Data Providers (FSAKAKAB), SME Credit Underwriting, Scoring & Risk Analytics (FSAKAGAL)
Keywords
Where MicroBilt Corporation is headquartered
LocationHeadquarters
- HQ city
- Kennesaw
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
MicroBilt Corporation business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales
Revenue model
- API Access and Data Services: Transaction-based and subscription-based access to alternative credit data APIs for loan origination, identity confirmation, background screening, and fraud detection. Revenue derived from per-transaction fees and subscription access to developer APIs and data products.
- Data Contribution and Reporting: Lenders and businesses contribute consumer payment data to MicroBilt's alternative credit bureau in exchange for scoring services, dashboard reporting, industry benchmarking, custom data studies, and risk scoring models. Revenue includes fees for contribution processing and premium analytics services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Enterprise pricing with custom quotes based on usage and volume |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels8 records
MicroBilt Corporation product offering
Product offeringCore offering
MicroBilt Corporation is the leading single-source provider of alternative credit data reporting services and risk management solutions. The company aggregates diverse alternative credit data and delivers it through web-based, batch, and API interfaces for credit decisioning, identity verification, background screening, bank account verification, fraud prevention, and debt collection. Its offerings support enterprise clients across banking, lending, property management, healthcare, insurance, and other regulated industries, with data categories spanning consumer financing, short-term lending, debt collection, business credentialing, and screening.
Product overview
MicroBilt Corporation is a leading single-source provider of alternative credit data reporting services and risk management solutions. The platform operates across four main categories: (1) Credit Decisioning & Verification — offering alternative credit data products (iPreview, iPredict Advantage), bank account verification (Risk Verify Database, Instant Bank Verification), identity verification (ID Verify, SSN Validation, Email Validation, Driver's License Verification), OFAC/watchlist screening, and traditional credit bureau access (Experian, Equifax, TransUnion); (2) Consumer & Collection Insights — featuring people search and skip tracing tools (Enhanced People Search, Super Phone Search, Trace Detail), asset and employment location via the SPOT platform (Verified POE, Verified Bank Locator, Property Report, Vehicle Locator), account segmentation (Smart Trac), and monitoring services (Microtrac), plus bankruptcy and civil records searches; (3) Background & Screening Services — providing criminal records (US Criminal Report, US Sex Offender Report), DMV records (MVR Driver Records), and inspection services (ComplyTraq); and (4) Business Credentialing & Compliance — offering business search, professional license verification, Secretary of State filings, UCC searches, business credit reports (Paynet, Experian, Dun & Bradstreet, Equifax Canada), and industry intelligence via Integra (Officer Compensation, Industry Trends, Industry Reports, Comparative Profiler, NAICS/SIC Browser) and First Research. Data is delivered via web-based, batch, and API interfaces.
Differentiator
Problem solved
Functional benefit
Brands
- iPreview: Alternative credit data attributes platform providing quick look at alternative data attributes and hidden market insights.
- iPredict Advantage
- Risk Verify Database (rVd)
- ComplyTraq
- Microtrac
- Smart Trac
Products and services
- iPreview
Companies that use MicroBilt Corporation
Customer profileSegments9 records
Ideal customer profiles7 records
MicroBilt Corporation technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
MicroBilt Corporation partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- NachacoreMicroBilt is a Nacha Preferred Partner, indicating a strategic marketing and GTM relationship for promoting ACH network services and payment-related data solutions. Nacha manages the ACH network, and Preferred Partners are organizations that have demonstrated commitment to the payments ecosystem.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
MicroBilt Corporation competitors and assessment
Company assessmentDirect peers
- LexisNexis Risk Solutions: Operates the largest alternative data and risk analytics platform in the US, providing credit, identity, fraud, and compliance data to financial institutions, insurers, and government. Directly comparable to MicroBilt as a multi-vertical alternative-data aggregator serving regulated industries.
- FactorTrust (TransUnion): Alternative credit data provider for non-prime and thin-file consumers, acquired by TransUnion. Closely mirrors MicroBilt's iPredict Advantage and iPreview alternative-scoring offerings targeted at short-term and small-dollar lenders.
- Clarity Services (Experian): Experian-owned alternative credit bureau specializing in non-prime and short-term lending data. A direct alternative-data competitor to MicroBilt's credit-decisioning suite, especially within the online lending and fintech segments.
- Early Warning Services: Bank-owned consortium providing bank account verification, identity, and risk analytics (operates Zelle). Directly comparable to MicroBilt's IBV, Risk Verify Database, and identity verification products for fraud prevention and account verification.
- SageStream: Alternative credit data provider that aggregates non-traditional credit information to assess thin-file consumers. Historically a direct competitor to MicroBilt's alternative data scoring products in the subprime and small-dollar lending market.
- ID Analytics (LexisNexis): Identity and credit risk analytics platform utilizing proprietary data and models. Comparable to MicroBilt's ID Verify, SSN Validation, and fraud-prevention offerings for enterprise fraud and onboarding use cases.
Emerging players
- Plaid: Developer-first financial data connectivity platform used by thousands of fintechs. Comparable to MicroBilt's API-first delivery model and bank account verification products, though broader in scope and currently the dominant modern alternative.
Broad incumbents
- Equifax: One of the three major national credit bureaus, also a MicroBilt data partner via Gateway Services. Competes broadly with MicroBilt across consumer credit reporting, business credit, and alternative data, while also supplying the bureau data MicroBilt resells.
- Experian: One of the three major national credit bureaus, owning Clarity Services for alternative credit data. Both a data partner (via MicroBilt's Gateway Services) and a direct competitor across consumer and business credit reporting.
- TransUnion: One of the three major national credit bureaus, owning FactorTrust for alternative credit data. Both a data partner (via MicroBilt's Gateway Services) and a direct competitor across consumer and commercial credit reporting.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
MicroBilt Corporation social profiles
Digital presenceMicroBilt Corporation financial estimates
Financial estimateRevenue estimate
Valuation estimate
MicroBilt Corporation leadership team
Management profileNumber of profiles
Profiles2 records
MicroBilt Corporation subsidiaries and ownership
Company hierarchySubsidiaries1 record
MicroBilt Corporation funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
MicroBilt Corporation M&A and investment
M&A and investmentM&A2 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about MicroBilt Corporation
What does MicroBilt Corporation do?
MicroBilt Corporation is the leading single-source provider of alternative credit data reporting services and risk management solutions. The company aggregates diverse alternative credit data and delivers it through web-based, batch, and API interfaces for credit decisioning, identity verification, background screening, bank account verification, fraud prevention, and debt collection. Its offerings support enterprise clients across banking, lending, property management, healthcare, insurance, and other regulated industries, with data categories spanning consumer financing, short-term lending, debt collection, business credentialing, and screening.
Is MicroBilt Corporation a public or private company?
MicroBilt Corporation is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was MicroBilt Corporation founded?
MicroBilt Corporation was founded in 1977. It employs 101 to 250 people.
Where is MicroBilt Corporation based?
MicroBilt Corporation is headquartered in Kennesaw, United States, in the North America region.
How does MicroBilt Corporation make money?
Two revenue lines are on record. API Access and Data Services are the primary driver. The others are data Contribution and Reporting.
Who are MicroBilt Corporation's main competitors?
Direct peers on record are LexisNexis Risk Solutions, FactorTrust (TransUnion), Clarity Services (Experian), Early Warning Services, SageStream and ID Analytics (LexisNexis). Plaid is listed as an emerging player. Broad incumbents are Equifax, Experian and TransUnion.
Does MicroBilt Corporation have an API?
Yes. MicroBilt offers frequently refreshed, reliably delivered data APIs designed for loan origination, identity confirmation, background screening, and fraud detection. The APIs provide quality data efficiently and cost-effectively. To test any APIs, users must register on the developer platform at developer.microbilt.com. Developer documentation is at developer.microbilt.com.
What industry is MicroBilt Corporation in?
MicroBilt Corporation's product category is Alternative Credit Data & Risk Management. Its primary akta.pro industry code is FSAGAHAC, Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking), with a secondary code of FSAKAKAB, Alternative / Non-Traditional Credit Data Providers. Its NAICS code is 561450 and its SIC code is 7320.