ADVANCE.CBP

What ADVANCE.CBP does

ADVANCE.CBP (legal entity Advintel Inc.) is a Philippine credit bureau founded in 2024 and headquartered in Makati City. The company operates as a Special Accessing Entity (SAE) duly accredited by the Credit Information Corporation (CIC), the national credit registry. Through this regulatory accreditation, ADVANCE.CBP obtains exclusive access to CIC's credit data covering 65M+ individuals and 288M+ credit contracts, with support for 40 national ID types. The company sells this data and derived insights to enterprise clients across banking, fintech, e-commerce, payments, sharing economy, collections, and insurance verticals.

The company delivers its products through an API-first architecture, offering three modular solutions: (1) CBP Credit Report — CIC-aligned borrower credit behaviour reports delivered via real-time API or batch inquiry; (2) CBP Credit Features 500 — an enrichment layer transforming raw CIC data into 500+ calculated bureau attributes capturing repayment habits, utilisation patterns, and delinquency signals; and (3) CBP Scores — a predictive scoring product with three tailored models (Instalment, Credit Card, Consumer) producing three-digit scores (300-850) with disclosed Gini up to 75% and KS up to 58%, optimised for short-term default prediction within 2-4 billing cycles.

ADVANCE.CBP operates an enterprise B2B go-to-market combining consultative field sales (demo scheduling and direct engagement) with API-based product delivery. Revenue mechanics are usage-based for credit report API access and subscription/usage-based for credit features and scoring modules. Pricing is not publicly disclosed. The company is a subsidiary within the ADVANCE.AI group of companies, alongside Credit Bureau Indonesia and Bangun Percaya Sosial, and holds ISO 27001:2022, IEC 27701 Privacy Information Management, iBeta Level 2, and DPO/DPS certifications to meet regulated-enterprise procurement requirements.

Name

ADVANCE.CBP

Legal name

Advintel Inc.

Website

https://advancecbp.ph

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

1–10 employees

Short description

ADVANCE.CBP is a Philippines-based credit bureau accredited by the Credit Information Corporation, offering CIC-aligned credit reports, 500+ derived bureau features, and predictive credit scores to banks, fintechs, and digital lenders via API.

Ownership category

akta.pro rank

Product category

Credit Bureau and Risk Analytics

NAICS

Credit Bureaus (561450), Credit Bureaus (56145)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)

akta.pro secondary industry

Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ)

Keywords

• Credit bureau services
• Credit intelligence platform
• Credit risk scoring
• Credit data analytics
• Predictive credit models

Headquarters

HQ city

Pasig

HQ country

Philippines

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Credit Report API Access: Revenue generated from API access to credit reports covering borrower credit behaviour, retrieval can be instant via API or batch inquiry
2. Credit Features Subscription: Subscription or usage-based access to 500+ derived credit bureau attributes for model development and decisioning
3. CBP Scores: Predictive scoring services providing three-digit credit scores with multiple model variants for different lending segments

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

ADVANCE.CBP operates a credit intelligence platform that provides Credit Information Corporation (CIC)-aligned credit reports covering 65M+ individuals and 288M+ credit contracts in the Philippines, plus 500+ derived credit features and predictive credit scores (300-850). It delivers these products via API and batch inquiry to lenders and financial institutions for borrower risk assessment, automated approvals, fraud reduction, and regulatory compliance.

Product overview

ADVANCE.CBP offers a modular credit intelligence platform with three integrated products: CBP Credit Report as the foundational data layer providing CIC-aligned borrower data across 65M individuals and 288M contracts; CBP Credit Features 500 as the enrichment module that transforms raw bureau data into 500+ predictive attributes; and CBP Scores as the predictive scoring layer that delivers three-digit risk scores (300-850) using tailored models. These products work together to provide lenders with comprehensive credit intelligence from data retrieval through feature engineering to predictive scoring, supporting faster and safer lending decisions.

Differentiator

Problem solved

Functional benefit

Brands

• CBP Credit Features 500: Advanced borrower insights product that transforms raw credit bureau data into 500+ calculated bureau attributes, capturing both current status and historical behaviour for accurate scorecards and decision trees.
• CBP Scores
• CBP Credit Report

Products and services

• CBP Credit Report CIC-aligned credit report covering 65 million individuals and 288 million credit contracts across the Philippines, supporting 40 national ID types. Delivered instantly via API or through batch inquiry for lenders integrating credit intelligence into their decisioning workflows.
• CBP Credit Features 500 Enrichment product that transforms raw CIC credit data into 500+ calculated bureau attributes capturing repayment habits, utilisation patterns, and delinquency signals. Used by lenders and risk teams to build accurate scorecards, high-performing decision trees, and customisable policy rules.
• CBP Scores Predictive credit scoring service that transforms credit history and payment patterns into scores between 300 and 850. Offers three tailored models (Instalment, Credit Card, Consumer) optimised to predict short-term defaults within 2-4 billing cycles, helping lenders reduce risk and expand credit access.

Quantifiable outcome

• Reduce credit approval time by up to 30%
• +4 more outcomes

Segments7 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability4 records

Feature4 records

Partnerships

One partnership is on record.

• Credit Information Corporation (CIC)coreOthersADVANCE.CBP is a Special Accessing Entity (SAE) duly accredited by Credit Information Corporation, providing exclusive access to CIC's national credit data covering 65M+ borrowers and 288M+ credit contracts in the Philippines.

Scale indicators7 records

Recent moves7 records

Expansion highlights5 records

Emerging players

• LenddoEFL: Emerging-market focused credit scoring provider using alternative data and psychometrics for underbanked consumers, with strong Southeast Asia presence. Overlaps with ADVANCE.CBP in serving fintech and digital lenders but uses non-traditional data sources.

Others

• Atome Financial: Digital financial services platform in Southeast Asia (BNPL, lending) operated by a Jefferson Chen-led entity of the ADVANCE.AI group. Connected through shared leadership and ecosystem, providing a potential customer channel for ADVANCE.CBP's bureau products.
• ADVANCE.AI: Parent company and broader risk-management and digital identity platform serving financial institutions across Southeast Asia. Related via shared ownership, technology stack, and overlapping client base with ADVANCE.CBP.
• FICO: Global analytics software company best known for the FICO Score used by lenders worldwide. Comparable as a credit-scoring engine and decisioning platform, but operates upstream of credit bureaus rather than as a direct bureau peer.

Direct peers

• CIBI Information Services: Established Philippine credit bureau providing credit reports, scoring, and decisioning tools to banks, fintechs, and other lenders. Directly competes with ADVANCE.CBP in the same Philippine market with overlapping CIC-based products.
• Credit Bureau Indonesia (CBI): Sister company under the ADVANCE.AI group, operating as an accredited credit bureau in Indonesia. Highly comparable business model, regulatory structure, and product suite targeting lenders with national credit data.

Broad incumbents

• TransUnion Philippines: Local arm of global credit bureau TransUnion, offering credit reporting, scoring, and analytics to Philippine financial institutions. Competes broadly with ADVANCE.CBP but with global scale, multi-country data assets, and established bank relationships.
• CRIF Philippines: Local entity of Italian-headquartered CRIF, providing credit reporting, scoring, and decisioning solutions across Southeast Asia. Competes with ADVANCE.CBP on bureau and analytics products serving Philippine lenders.
• Experian Philippines: Philippine operations of global information services group Experian, providing consumer and commercial credit reporting, scoring, and analytics. Comparable in product category with the advantage of a multinational data network.
• Equifax Philippines: Philippine presence of Equifax, a global credit bureau offering credit reports, scores, and risk analytics to lenders and businesses. Directly comparable offerings with the backing of a global bureau platform.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/advance-cbp

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

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 ADVANCE.CBP