FlexPath DXP
FlexPath DXP is a Cincinnati-based SaaS fintech that provides patent-pending identity verification and credit prequalification technology (VeriQual) to auto dealers, lenders, and adjacent vehicle-finance partners across the US, distributed via direct sales, APIs, white-label, and channel partnerships.
- Company typePrivate
- Founded2024
- HeadquartersCincinnati, United States
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What FlexPath DXP does
FlexPath DXP, LLC is a private SaaS fintech company operating a Digital Experience Platform focused on identity verification and credit prequalification for the automotive and adjacent vehicle finance ecosystems. Founded in January 2024 by CEO Tarry Shebesta and spun out of Automobile Consumer Services, Inc. (ACS), the company is headquartered in Cincinnati, Ohio, with a lean team of 1-10 employees. FlexPath's flagship product is VeriQual™, a patent-pending technology (Publication No. US 2025/0298873 A1) that combines real-time identity authentication with soft-pull credit prequalification starting from a single phone number, designed to replace traditional multi-field prequalification forms that suffer from 76% industry form abandonment and rising synthetic identity fraud. The platform is complemented by Trillium™, an AI-powered credit-first lender waterfall decisioning engine that uses real bureau data and lending rules to generate credit-accurate monthly payments, and by Single Vehicle Payment Prequalification (SVP), launched October 2025 to deliver vehicle-specific personalized loan and lease pricing across web, in-store, and direct-mail channels.
The platform is distributed through direct enterprise sales to dealers and lenders, RESTful APIs for embedding in ad agencies, digital retailing platforms, marketplaces, and website providers, white-label web apps, and channel partnerships with website host Nabthat, credit reseller Agility Credit, F&I platform Yield Solutions Group, commercial transportation financier MC2 Finance, and the Ohio Independent Automobile Dealers Association (OIADA). FlexPath's customer base spans independent and franchise dealers, auto lenders, RV, powersports, marine, and heavy-duty truck financiers, with named reference customers including McCluskey Chevrolet (also lead strategic investor), Sansone Jr. Auto Group, and Sandy Sansing Chevrolet.
The company monetizes through annual subscription contracts, enterprise API access, and white-label licensing under a quote-based (non-self-serve) sales motion. A fully subscribed funding round was completed in mid-2025 with a strategic franchise dealer group and Keith McCluskey (McCluskey Chevrolet) as lead strategic investor. Independent A/B testing cited by the company shows VeriQual delivering 2X+ more credit-qualified leads at half the cost-per-lead versus a leading legacy prequalification tool, supporting the core value proposition that identity verification upstream of credit prequalification reduces fraud loss exposure while improving conversion economics for dealers and lenders.
FlexPath DXP firmographics
Firmographics- Name
- FlexPath DXP
- Legal name
- FlexPath DXP, LLC
- Website
- https://flexpathdxp.com
- Company type
- Private
- Founded year
- 2024
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- FlexPath DXP is a Cincinnati-based SaaS fintech that provides patent-pending identity verification and credit prequalification technology (VeriQual) to auto dealers, lenders, and adjacent vehicle-finance partners across the US, distributed via direct sales, APIs, white-label, and channel partnerships.
- Ownership category
- akta.pro rank
FlexPath DXP industry classification
Industry- Product category
- Fintech Identity Verification Software
- NAICS
- Computer Systems Design and Related Services (54151), Custom Computer Programming Services (541511)
- SIC
- Services-Computer Programming Services (7371)
- akta.pro primary industry
- Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)
Keywords
Where FlexPath DXP is headquartered
LocationHeadquarters
- HQ city
- Cincinnati
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
FlexPath DXP business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations
Revenue model
- SaaS Platform Subscriptions: FlexPath DXP operates as a SaaS fintech platform offering subscription-based access to VeriQual identity verification and credit prequalification technology. Dealers, lenders, and vendors can access the platform through white-label web apps or API integration. The company has completed a fully subscribed funding round backed by strategic franchise dealer groups.
- API Access & Enterprise Licensing: Provides modern, scalable APIs that power identity verification and credit prequalification capabilities. Financial service providers and digital retailing solutions can integrate via Trillium web APIs or white-labeled proven models, enabling fraud prevention technology and speed to market without massive development costs.
- White-Label Solutions: Dealers, lenders, and vendors can white-label the VeriQual web app or access API services, embedding the technology into their own branded experiences.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Enterprise API Access |
| Subscription | Annual | White-Label Web App |
Go-to-market motion3 records
Distribution channels8 records
Marketing channels6 records
FlexPath DXP product offering
Product offeringCore offering
FlexPath DXP operates a Digital Experience Platform delivering VeriQual™, a patent-pending SaaS fintech solution that performs real-time identity verification and credit prequalification starting with just a phone number. The platform combines VeriQual with Trillium™, an AI-powered credit-first lender waterfall decisioning engine that uses real credit bureau data and lending guidelines to produce credit-perfect payment quotes. Offerings are delivered via white-label web apps, embedded modules, or enterprise RESTful APIs to dealers, lenders, agencies, marketplaces, and website providers across automotive, RV, powersports, marine, and heavy-duty truck verticals.
Product overview
FlexPath DXP is a Digital Experience Platform offering a modular SaaS fintech solution centered around its patent-pending VeriQual™ identity verification and credit prequalification technology. The core product VeriQual™ enables identity-authenticated credit prequalification starting with just a phone number, serving as the first line of defense against fraud. Trillium™ is the proprietary credit-first lender waterfall decisioning engine powering credit-perfect payment matching. The Single Vehicle Payment Prequalification (SVP) module extends VeriQual to deliver personalized vehicle-specific payments. Enterprise APIs enable third-party platforms to embed these capabilities. The platform targets automotive, powersports, RV, and marine dealers along with their supporting lenders and vendor networks.
Differentiator
Problem solved
Functional benefit
Brands
- VeriQual: Patent-pending identity verification and credit prequalification technology that works with just a phone number.
- Trillium
Products and services
- VeriQual™ Patent-pending identity verification and credit prequalification platform that enables real-time identity authentication and full credit prequalification starting with just a phone number. Provides the first line of defense in fraud prevention for credit prequalification, protecting dealers and lenders from bots, fake profiles, and synthetic identities. Available via white-label web app or API.
- Trillium™ Credit-first lender waterfall decisioning engine that uses real credit bureau data and hundreds of rates, rules, and lending guidelines to ensure credit-perfect payments. AI-powered engine that matches borrower credit profiles to optimal lending options across multiple lenders, delivering accurate monthly payment calculations.
- FlexPath Enterprise APIs RESTful APIs enabling ad agencies, digital retailing providers, marketplaces, portals, and website providers to integrate identity verification, credit prequalification, and real-time payment personalization into their own platforms. Supports event-based workflows and real-time response handling with full FCRA and bureau partner compliance.
Quantifiable outcome
- 2X+ higher credit-qualified leads with same marketing spend (cut cost-per-lead by 50%)
- +2 more outcomes
Companies that use FlexPath DXP
Customer profileNamed customers3 records
Segments6 records
Ideal customer profiles4 records
FlexPath DXP technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability4 records
Feature5 records
FlexPath DXP partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core, minor and strategic.
- Agility CreditcoreIntegration partnership that makes it easier for dealers to access verified consumer data through VeriQual using Agility's credit services. This integration enables faster, safer credit decisions using just a phone number and provides soft-pull access to Experian, TransUnion, and Equifax via Agility Credit's API-driven platform. The partnership expands dealer options for accessing VeriQual through their preferred credit bureau reseller relationships.
- NabthatcoreStrategic partnership integrating VeriQual directly into Nabthat's dealer website platform. The integration enables dealerships to securely verify identities and prequalify customers in real-time, setting new standards in digital engagement, fraud prevention, and lead data accuracy. Dealerships can now initiate identity verification and credit prequalification using just their mobile phone number.
- AIMExpominorFlexPath DXP exhibited at AIMExpo 2025, North America's premier powersports trade show, to showcase VeriQual. Booth #7030 in the Digital & Tech Sector featured live demonstrations of the patent-pending VeriQual web app. CEO Tarry Shebesta participated in a Tech Talk presentation on fraud prevention and credit prequalification for powersports dealers.
- MC2 FinancecorePartnership where MC2 Finance utilizes FlexPath's patent-pending VeriQual solution to streamline credit prequalification and identity verification processes for their commercial transportation financing network. MC2 and its dealers gain real-time access to verified leads, reducing risk of identity fraud and significantly enhancing credit prequalification in the commercial transportation sector.
- Yield Solutions Group (YSG)coreStrategic partnership bringing advanced virtual F&I solutions to independent auto dealers nationwide. YSG's FSP platform combined with VeriQual provides full spectrum lending options and flexible, customer-centric automotive financing solutions. The partnership empowers independent dealers with tools to offer seamless and efficient buying experiences with full credit spectrum financing options and insurance products managed online.
- Ohio Independent Automobile Dealers Association (OIADA)strategicFlexPath joined OIADA as a Vendor Partner, offering VeriQual identity verification and credit prequalification as a member benefit to independent automobile dealers in Ohio. Wendy Rhyarth, OIADA Executive Director, welcomed FlexPath noting their expertise and dedication to the automotive industry make them an invaluable resource for members.
Scale indicators8 records
Recent moves7 records
Expansion highlights6 records
FlexPath DXP competitors and assessment
Company assessmentDirect peers
- Socure: Socure is an identity verification and fraud prevention platform that uses ML to authenticate consumers and detect synthetic identities. It is comparable to VeriQual's identity authentication and synthetic-ID-blocking capabilities, though it serves a much broader set of verticals than auto/lending.
- RouteOne: RouteOne is a credit application processing network connecting dealers to a broad set of lenders for automotive, RV, powersports, and marine financing. It is the closest direct competitor to VeriQual's dealer-side credit prequalification workflow and shares the same buyer (dealer F&I and internet sales) and same lender integrations.
- GBG (Acuant / IDology): GBG (including Acuant and IDology) provides identity verification, KYC, and fraud-prevention APIs widely used in financial services and lending. It directly competes with VeriQual's phone-based identity authentication and synthetic-ID detection, with deeper enterprise penetration across banks and lenders.
- CUDL (Credit Union Direct Lending): CUDL operates an indirect lending platform connecting credit unions and dealers for auto, RV, and powersports financing. It competes head-to-head with FlexPath's lender-side Trillium waterfall and prequalification logic by routing dealer-originated applications to credit-union lenders.
Broad incumbents
- Equifax: Equifax is one of the three nationwide credit bureaus that FlexPath integrates with for soft-pull data. It is a competitor and supplier simultaneously: it could offer its own phone-number-keyed prequalification product alongside VeriQual, and any policy change to its reseller channel could directly affect FlexPath's economics.
- Dealertrack (Cox Automotive): Cox Automotive's Dealertrack is a dominant indirect lending and credit application network used across thousands of US franchised dealers. It is highly comparable because it sits in the same dealer-to-lender credit application workflow that FlexPath's VeriQual and Trillium target, though its product breadth and dealer footprint are far larger.
- Experian: Experian is a major credit bureau and provider of fraud and identity products serving consumer and commercial lending. It is comparable because its credit data and identity services underpin the same prequalification workflow that VeriQual layers fraud-prevention logic on top of.
- TransUnion: TransUnion is a credit bureau and identity-information provider serving financial services, auto lending, and emerging fintech categories. Like Equifax and Experian, it is both an essential data supplier for VeriQual and a potential competitor with the resources to launch comparable fraud-aware prequalification products.
Emerging players
- Persona: Persona provides configurable identity verification APIs (KYC, document, phone, and database checks) to fintechs, marketplaces, and lenders. It overlaps with VeriQual's API-first identity verification layer, though its go-to-market is horizontal rather than verticalized to automotive dealers.
- BlueNotary: BlueNotary is a smaller identity verification and online notarization provider used in lending and fintech workflows. It is comparable to VeriQual at the layer of digital identity authentication, though it focuses more on notarization and KYC rather than auto-dealer prequalification specifically.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
FlexPath DXP social profiles
Digital presenceFlexPath DXP financial estimates
Financial estimateRevenue estimate
Valuation estimate
FlexPath DXP leadership team
Management profileNumber of profiles
Profiles2 records
FlexPath DXP funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
FlexPath DXP 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 FlexPath DXP
What does FlexPath DXP do?
FlexPath DXP operates a Digital Experience Platform delivering VeriQual™, a patent-pending SaaS fintech solution that performs real-time identity verification and credit prequalification starting with just a phone number. The platform combines VeriQual with Trillium™, an AI-powered credit-first lender waterfall decisioning engine that uses real credit bureau data and lending guidelines to produce credit-perfect payment quotes. Offerings are delivered via white-label web apps, embedded modules, or enterprise RESTful APIs to dealers, lenders, agencies, marketplaces, and website providers across automotive, RV, powersports, marine, and heavy-duty truck verticals.
Is FlexPath DXP a public or private company?
FlexPath DXP is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was FlexPath DXP founded?
FlexPath DXP was founded in 2024. It employs 1 to 10 people.
Where is FlexPath DXP based?
FlexPath DXP is headquartered in Cincinnati, United States, in the North America region.
How does FlexPath DXP make money?
Three revenue lines are on record. SaaS Platform Subscriptions are the primary driver. The others are API Access & Enterprise Licensing and white-Label Solutions.
Who are FlexPath DXP's main competitors?
Direct peers on record are Socure, RouteOne, GBG (Acuant / IDology) and CUDL (Credit Union Direct Lending). Broad incumbents are Equifax, Dealertrack (Cox Automotive), Experian and TransUnion. Emerging players are Persona and BlueNotary.
Does FlexPath DXP have an API?
Yes. FlexPath DXP provides modern, scalable APIs that power industry-first capabilities like instant identity verification, credit prequalification, and real-time payment personalization—with just a phone number. The patent-pending VeriQual technology enables platforms to deliver 100% verified, credit-qualified consumer experiences across the entire ecosystem: from lead capture to final transaction. Supports RESTful architecture with event-based workflows and real-time response handling. Full compliance with privacy, FCRA, and bureau partner requirements. Targeted at ad agencies, digital retailing providers, marketplaces, portals, and website providers.
What industry is FlexPath DXP in?
FlexPath DXP's product category is Fintech Identity Verification Software. Its primary akta.pro industry code is FSAGABAE, Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure. Its NAICS code is 54151 and its SIC code is 7371.