Infocheck
Infocheck is a Chilean fintech that provides commercial evaluation and credit risk reports for individuals and companies, aggregating real-time data from nine official Chilean sources plus TransUnion to serve over 200 enterprise customers across real estate, financial services, and other verticals.
- Company typePrivate
- Founded2022
- HeadquartersSantiago, Chile
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Infocheck does
Infocheck is a Chilean fintech company founded in 2022 and operated by METRIKS INTELLIGENCE SpA, headquartered in Santiago. The company provides commercial evaluation and credit risk assessment reports for both natural persons (Personas Estándar, Plus, Full) and legal entities (Empresas Estándar, Plus, Full), priced from CLP $8,900 to $27,900 per report for B2C purchasers through its self-serve e-commerce platform, with enterprise plans starting at 1.2 UF + VAT per month. Its product platform integrates real-time data from nine official Chilean sources — SII, CMF, TGR, Boletín Comercial, Registro Civil, Dirección del Trabajo, Poder Judicial, AFC — plus TransUnion commercial data, and consolidates them into a single risk assessment report with proprietary scoring (Puntaje Infocheck), payment capacity calculations (Capacidad de Pago), and predictive analytics for default/bankruptcy forecasting.
The business operates three go-to-market motions: product-led growth via self-serve B2C report purchases on tienda.infocheck.cl; sales-led enterprise acquisition with API integration and white-label customization for clients regularly evaluating counterparties; and a broker/referral channel earning variable commission on credit placements routed to financial entities. Distribution is entirely domestic (Chile), with customers spanning real estate (Parque Arauco, Assetplan, Fuenzalida, Paz, Imagina, Greystar, Lar Group, Rentando, Reistock, Paz Corp), financial services (Banco Internacional, New Capital, Capital Inteligente, Sinergia, Astora, Broota), automotive (Nexcar, Wift), and other sectors, totaling 200+ enterprise clients. Marketing combines an educational blog on financial risk topics, a referral program paying CLP $50,000 per converted B2B customer, and direct demo requests for enterprise sales.
The company holds ISO 27001:2022 certification and is in process of accreditation as Credit Advisors before the CMF (Comisión para el Mercado Financiero) under Chile's new Fintech Law, which would authorize formal credit advisory services. Cloud infrastructure runs on AWS (servers in Virginia and Ireland). Founders David Lastra (also legal representative), Guillermo Sáez, and Leonardo Mazzella retain leadership, and the company has received support from Chilean government and accelerator programs (CORFO, Startup Chile, UDD Ventures) rather than private venture capital. With 11 employees, the operation is lean and early-stage, and no revenue figures, funding rounds, or external private investment are disclosed in source material.
Infocheck firmographics
Firmographics- Name
- Infocheck
- Legal name
- METRIKS INTELLIGENCE SpA
- Website
- https://infocheck.cl
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Infocheck is a Chilean fintech that provides commercial evaluation and credit risk reports for individuals and companies, aggregating real-time data from nine official Chilean sources plus TransUnion to serve over 200 enterprise customers across real estate, financial services, and other verticals.
- Ownership category
- akta.pro rank
Infocheck industry classification
Industry- Product category
- Commercial Credit Reporting
- NAICS
- Credit Bureaus (56145)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Credit & Underwriting Data Services (alt data feeds, affordability, bureau augmentation) (FSAGACAH)
- akta.pro secondary industry
- Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK)
Keywords
Where Infocheck is headquartered
LocationHeadquarters
- HQ city
- Santiago
- HQ country
- Chile
- HQ region
- Latin America
Offices1 record
Markets served
Infocheck business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Infrastructure, Operations, Marketing or Sales
Revenue model
- B2C Individual Report Sales: Fixed-price commercial reports sold directly to individuals through the website. Customers purchase one-time reports (Personas Estándar, Plus, or Full; Empresas Estándar, Plus, or Full) at predefined prices visible at purchase with no additional fees.
- B2B Enterprise Plans: Monthly subscription plans for enterprises that evaluate clients or suppliers regularly. Plans include minimum monthly fees plus per-report consultation fees. Multiple plan tiers available with API access, white-label, and customization options.
- Broker/Referral Model: Referral of clients to financial service providers (consumer credits, mortgages, etc.). Commission is calculated as a variable percentage of the effectively placed credit amount, paid by the financial entity granting the credit.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | Personas Estándar - Basic financial behavior report from Boletín Comercial |
| One time/ perpetual license | Pay-as-you-go | Personas Plus - Debt CMF, judgments, and financial behavior from Boletín Comercial |
| One time/ perpetual license | Pay-as-you-go | Personas Full - Most comprehensive individual report with income and payment capacity |
| One time/ perpetual license | Pay-as-you-go | Empresas Estándar - Basic company evaluation with financial analysis |
| One time/ perpetual license | Pay-as-you-go | Empresas Plus - Representatives, partners, lawsuits, and financial behavior |
| One time/ perpetual license | Pay-as-you-go | Empresas Full - Most comprehensive company report with complete SII financial analysis |
| Subscription | Monthly | Enterprise Plans - Monthly plans for companies evaluating clients/suppliers regularly |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels3 records
Infocheck product offering
Product offeringCore offering
Infocheck operates a cloud-based SaaS platform that generates automated commercial and credit risk evaluation reports for both natural persons (Personas) and legal entities (Empresas) by integrating real-time data from multiple official Chilean sources (SII, CMF, TGR, Boletín Comercial, Registro Civil, Dirección del Trabajo, Poder Judicial, AFC). Reports are sold directly to individuals through a self-serve e-commerce site and to enterprises through monthly subscription plans with white-label web, API integration, and credit-policy customization.
Product overview
Infocheck is a commercial evaluation platform that provides integrated credit and commercial risk assessment reports for both individuals (natural persons) and legal entities (companies). The platform operates on a tiered product model with three levels per segment: Estándar (standard), Plus, and Full, where Full products represent the most comprehensive offerings with full financial analysis and income data. For individuals, reports include credit scores, payment capacity, AFP/AFC income data, CMF debt, lawsuits, protests, labor infractions, and commercial information. For companies, reports include SII financial analysis, TGR debts, representatives, welfare morosities, and labor infractions. Enterprise plans offer additional features including white-label web options, API integration, and policy customization for ongoing client evaluation needs.
Differentiator
Problem solved
Functional benefit
Products and services
- Personas Estándar Entry-level commercial credit report for natural persons (RUT/national ID holders) including financial behavior from Boletín Comercial, protestos, morosidades, CMF debt, labor and welfare infractions, and demographic information. Priced at $8,900 CLP (VAT included) per report. Targeted at individuals and businesses evaluating persons.
- Personas Plus Mid-tier commercial credit report for natural persons including CMF debt, lawsuits (juicios), and financial behavior data from Boletín Comercial and other official sources. Priced at $12,900 CLP per report.
- Personas Full Most comprehensive commercial credit report for natural persons, the only report incorporating income from AFP/AFC plus SII and monthly payment capacity (Capacidad de Pago). Priced at $16,900 CLP per report. Includes all information from lower tiers plus full income analysis.
- Empresas Estándar Entry-level commercial credit report for legal entities (companies) including SII financial analysis, TGR debts and agreements, representatives, partners and companies, and previsional mora and Dirección del Trabajo fines. Priced at $11,900 CLP per report.
- Empresas Plus Mid-tier commercial credit report for legal entities including representatives, partners and companies, lawsuits, and financial behavior from Boletín Comercial and other official sources. Priced at $17,900 CLP per report.
- Empresas Full Most comprehensive commercial credit report for legal entities, the only report incorporating complete financial analysis with SII information. Priced at $27,900 CLP per report. Includes all data from lower tiers plus comprehensive financial analysis.
- Planes Empresariales (Enterprise Plans) Monthly subscription plans for enterprises that evaluate clients or suppliers regularly. Plans start at 1.2 UF + VAT per month and include multiple versions: white-label web platform, API integration, and customization per credit policies. For B2B clients such as financial institutions, real estate firms, and other companies that need ongoing risk evaluation.
Companies that use Infocheck
Customer profileNamed customers20 records
Segments4 records
Ideal customer profiles4 records
Infocheck technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
AI capability2 records
Feature6 records
Infocheck partnerships and signals
Strategic signalPartnerships
13 partnerships are on record, tiered core, flagship and minor.
- TransUnion Soluciones de Información Chile S.A.coreIdentity validation partner using TruValidate service. Performs verification and validation of identity for USUARIO TITULAR through their platform, enabling secure authentication for natural persons and legal entities.
- Amazon Web Services (AWS)coreCloud infrastructure provider hosting Infocheck's SaaS platform and databases. AWS servers located in Virginia (USA) and Ireland, providing scalable and secure cloud operations.
- Boletín Comercial e INFOCOM - Cámara de Comercio de SantiagocoreAccredited distributor of protest and default information from Boletín Comercial and INFOCOM. Primary data source for protestos, morosidades, and commercial behavior information.
- TransUnioncoreData partner providing commercial and credit information for integration into Infocheck reports.
- MetriksflagshipParent company (METRIKS INTELLIGENCE SpA). FinTech company with purpose to facilitate access to technology and business analytics applied to risk evaluation, contributing to a more inclusive and competitive financial system.
- FinteChileminorChilean fintech industry association providing networking, knowledge sharing, and industry representation for financial technology companies.
- SII (Servicio de Impuestos Internos)coreOfficial Chilean tax authority providing income, sales, and financial data for company evaluations and analysis.
- CMF (Comisión para el Mercado Financiero)coreFinancial Market Commission providing banking debt information and regulatory oversight data for credit evaluations.
- TGR (Tesorería General de la República)coreTreasury General providing government debt and agreement information for company evaluations.
- Registro CivilcoreCivil Registry providing identity and demographic information for individual evaluations.
- Dirección del TrabajocoreLabor Directorate providing labor infractions,previsional mora, and labor fine information for employment and compliance evaluations.
- Poder JudicialcoreJudicial Power providing lawsuit and legal proceeding information for commercial and legal risk evaluations.
- AFC (Administradora de Fondos de Cesantía)coreUnemployment Fund Administrator providing employment and income contribution data for individual financial evaluations.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Infocheck competitors and assessment
Company assessmentDirect peers
- Creditsafe: Global business credit report and monitoring provider with self-serve and API delivery. Mirrors Infocheck's tiered Empresas reports, online self-serve e-commerce, and enterprise API integration model.
- SIISA: Latin American credit information and consumer reporting bureau operating across multiple LatAm countries. Closely comparable to Infocheck in consumer and commercial credit reporting, scoring, and risk analytics tailored to the region.
Regional players
- Datacrédito Experian (Colombia): Colombian credit bureau operated under the Experian brand, providing consumer and commercial credit reports. Comparable as a LatAm bureau reference point for the scoring, bureau data aggregation, and risk-reporting business model Infocheck runs in Chile.
- Círculo de Crédito: Mexican consumer credit bureau serving banks, fintechs, and retailers with credit reports and scores. Comparable regional-playbook peer for Infocheck: a national bureau with multi-source government and commercial data feeding scoring products.
Emerging players
- Decisoría: Chilean fintech providing credit scoring and risk-decisioning services to lenders. Closely comparable emerging player in the same Chilean market, focused on automated credit decisions for fintechs and financial institutions.
Broad incumbents
- CRIF: International credit information and decisioning provider active in Latin America offering credit bureau, business information, and analytics services. Closely comparable to Infocheck's combination of consumer/business credit data and predictive scoring.
- Experian: Global information services group with credit bureau and decisioning capabilities across Latin America. Comparable to Infocheck in serving credit and underwriting data needs for banks and large corporations, though at significantly larger scale.
- Equifax: Global consumer and commercial credit bureau with established operations in Chile. Competes head-on with Infocheck in credit reporting and risk analytics for financial institutions and large enterprises, with broader global data assets.
- TransUnion: Global credit bureau operating in Chile through TransUnion Soluciones de Información Chile. Infocheck lists TransUnion as both an integration partner (identity verification via TruValidate) and an indirect competitor, making it the closest large incumbent reference for the same Chilean risk-data market.
- Dun & Bradstreet: Global business credit reporting and supplier risk firm. Directly comparable to Infocheck's Empresas product line on company creditworthiness, financial analysis, and B2B counterparty evaluation.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Infocheck social profiles
Digital presenceInfocheck compliance and trust
Trust signalCompliance2 records
Infocheck financial estimates
Financial estimateRevenue estimate
Valuation estimate
Infocheck leadership team
Management profileNumber of profiles
Profiles3 records
Infocheck funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Infocheck M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Infocheck
What does Infocheck do?
Infocheck operates a cloud-based SaaS platform that generates automated commercial and credit risk evaluation reports for both natural persons (Personas) and legal entities (Empresas) by integrating real-time data from multiple official Chilean sources (SII, CMF, TGR, Boletín Comercial, Registro Civil, Dirección del Trabajo, Poder Judicial, AFC). Reports are sold directly to individuals through a self-serve e-commerce site and to enterprises through monthly subscription plans with white-label web, API integration, and credit-policy customization.
Is Infocheck a public or private company?
Infocheck is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Infocheck founded?
Infocheck was founded in 2022. It employs 11 to 50 people.
Where is Infocheck based?
Infocheck is headquartered in Santiago, Chile, in the Latin America region.
How does Infocheck make money?
Three revenue lines are on record. B2C Individual Report Sales are the primary driver. The others are B2B Enterprise Plans and broker/Referral Model.
Who are Infocheck's main competitors?
Direct peers on record are Creditsafe and SIISA. Regional players are Datacrédito Experian (Colombia) and Círculo de Crédito. Decisoría is listed as an emerging player. Broad incumbents are CRIF, Experian, Equifax, TransUnion and Dun & Bradstreet.
Does Infocheck have an API?
Yes. Infocheck offers an API integration service for enterprise clients. The platform supports API integration as part of their enterprise plans, enabling companies to automate evaluations and integrate commercial evaluation reports directly into their own systems. Key features mentioned include white-label web option, API customization according to credit policies, and integration with existing systems.
What industry is Infocheck in?
Infocheck's product category is Commercial Credit Reporting. Its primary akta.pro industry code is FSAGACAH, Credit & Underwriting Data Services (alt data feeds, affordability, bureau augmentation), with a secondary code of FSAGALAK, Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes). Its NAICS code is 56145 and its SIC code is 7320.