OptimaFI

What OptimaFI does

OptimaFI is a US-focused B2B provider of data-driven marketing, credit risk management, and balance sheet solutions for community banks and credit unions. The company was formed in January 2026 through the merger of three established community-bank-focused firms — Infusion Marketing Group (growth marketing), QwickRate (liquidity and CD marketplace), and IntelliCredit (credit risk analytics) — and claims a network of 2,500+ institutions across all 50 states. Its core asset is a proprietary dataset of 12B+ normative data points aggregated from hundreds of community institutions, which powers peer benchmarking, predictive prospect targeting, and household-level insights.

The platform is organized into three suites: Growth Solutions (Acquire, Onboard, Cross Sell, Household Insights), Credit Risk Solutions (Third-Party Loan Review, Portfolio Analysis, Portfolio Stress Test, CECL), and Balance Sheet Solutions (CD Marketplace, Call Report Insights). Underlying capabilities include account-level matchback reporting, predictive targeting on household-level core data, automated portfolio stress testing, and SOC 1 / SSAE 16 Type II certified infrastructure. Distribution is exclusively direct enterprise sales, led by former banking executives, with engagement initiated through free Opportunity Assessments and structured as multi-year contracts.

OptimaFI operates an outcome-based revenue model in which clients pay only for measurable results — new accounts opened, balances booked, or loans originated — with all upfront campaign costs (creative, data, targeting, media, postage) absorbed by the company. Credit risk and balance sheet tools are sold alongside, producing a mix of performance-based and contracted revenue. Documented outcomes include $250M in deposits generated for BankPlus and a 12 percentage point lift in checking household retention for First South Financial FCU, and the company cites 1,000+ campaigns delivered and tracked across its client base.

Name

OptimaFI

Website

https://optimafi.com

Company type

Private

Founded year

2025

Operating status

Operating

Short description

OptimaFI provides data-driven marketing, credit risk, and balance sheet solutions to US community banks and credit unions, formed in 2026 from the merger of Infusion Marketing Group, QwickRate, and IntelliCredit.

Ownership category

akta.pro rank

Product category

Community Banking Solutions

NAICS

Marketing Research and Public Opinion Polling (541910), Computer Systems Design and Related Services (54151), Activities Related to Credit Intermediation (5223)

SIC

Services-Advertising Agencies (7311), Services-Computer Programming, Data Processing, Etc. (7370), Services-Direct Mail Advertising Services (7331)

akta.pro primary industry

Financial Services Personalization (Banking, Investing, Insurance) (HDAAAGAH)

akta.pro secondary industries

Customer Data Platform (CDP) & First-Party Data Enablement Services (MPAAAIAE), Marketplace & On-Demand Platform Recommendations (rideshare, delivery, services) (HDAAAGAK)

Keywords

• Community bank marketing
• Credit risk analytics
• Balance sheet solutions
• Deposit growth services
• Performance-based marketing

Headquarters

HQ city

New Memphis

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Pay for Performance Marketing: Outcome-based revenue model where clients pay only for tangible results such as new accounts opened, balances booked, or loans originated. All upfront costs (creative, data, targeting, media, postage) are covered by OptimaFI, with payment triggered only upon measurable account generation. Optional Overall Program budget cap available for additional certainty.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels7 records

Core offering

OptimaFI provides data-driven marketing campaigns, credit risk management tools, and balance sheet solutions for community banks and credit unions. Offerings include customer acquisition, onboarding, cross-selling, third-party loan reviews, portfolio analysis, stress testing, CECL compliance, and a non-brokered CD marketplace. Solutions are powered by 12B+ normative data points from peer institutions across all 50 states and delivered under a Pay for Performance model.

Product overview

OptimaFI is a unified platform serving community banks and credit unions, combining three legacy solutions—Infusion Marketing Group (growth/marketing), QwickRate (balance sheet), and IntelliCredit (credit risk)—into an integrated suite. The platform offers Growth Solutions (Acquire, Onboard, Cross Sell, Household Insights), Credit Risk Solutions (Third-Party Loan Review, Portfolio Analysis, Portfolio Stress Test, CECL), and Balance Sheet Solutions (CD Marketplace, Call Report Insights). All solutions are powered by 12B+ normative peer data points and operate under a Pay for Performance model for marketing services.

Differentiator

Problem solved

Functional benefit

Products and services

• Growth Solutions Marketing and customer relationship solutions for community banks and credit unions covering new customer acquisition, account onboarding and activation, cross-selling to existing households, and household-level growth opportunity identification. Includes Acquire, Onboard, Cross Sell, and Household Insights sub-modules executed under a Pay for Performance model with guaranteed cost per account.
• Credit Risk Solutions Credit risk oversight solutions for community financial institutions covering third-party loan review, portfolio analysis, portfolio stress testing, and Current Expected Credit Loss (CECL) compliance. Combines automated analytics with full-service review options to detect portfolio risks earlier and produce examiner-ready documentation.
• Balance Sheet Solutions Balance sheet funding, investing, and reporting solutions for community banks and credit unions, including a non-brokered CD marketplace enabling peer-to-peer certificate of deposit transactions, and on-demand call report peer ratios and insights supporting ALCO, board, and regulatory reporting.

Quantifiable outcome

• $250 million in new deposits generated for BankPlus
• +5 more outcomes

Named customers10 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature5 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Infusion Marketing GroupcoreStrategic or Co-development Partner · 20 January 2026One of three founding companies that merged to form OptimaFI in January 2026. Infusion Marketing Group contributed marketing expertise and was rebranded as OptimaFI, with its leadership, methodology, and commitment to performance continuing under the new brand.
• QwickRatecoreStrategic or Co-development Partner · 20 January 2026One of three founding companies that merged to form OptimaFI in January 2026. Contributed credit risk and liquidity management expertise to the combined organization serving community banks and credit unions.
• IntelliCreditcoreStrategic or Co-development Partner · 20 January 2026One of three founding companies that merged to form OptimaFI in January 2026. Contributed credit risk and liquidity management expertise to the combined organization. IntelliCredit was involved in an acquisition deal mentioned in Q1 2026 capital markets activity.
• Bank DirectorminorGTM or Marketing PartnerIndustry media partner for co-branded content. Bank Director provides Insights Report content on core deposit growth strategies, distributed through OptimaFI's marketing channels as gated content downloads.

Scale indicators7 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Baker Hill (a Temenos company): Baker Hill delivers loan origination, credit risk, and portfolio analytics to community banks. It competes head-to-head with OptimaFI's third-party loan review, portfolio analysis, and stress testing offerings.
• Vericast: Vericast offers data-driven marketing and media solutions for financial institutions and retailers. It competes with OptimaFI's data-driven, performance-based marketing campaigns for community bank and credit union buyers.
• Harland Clarke: Harland Clarke provides marketing, communications, and account acquisition services to banks and credit unions. Its customer acquisition capabilities overlap with OptimaFI's Acquire, Onboard, and Cross-Sell growth modules.
• PrecisionLender (Q2 / Jack Henry): PrecisionLender provides relationship-based pricing, profitability, and portfolio analytics for commercial banks. It is directly comparable to OptimaFI's data-driven benchmarking and balance sheet insight capabilities.
• Abrigo: Abrigo provides credit risk, lending, and compliance software for US community banks and credit unions. It overlaps directly with OptimaFI's IntelliCredit-derived credit risk, CECL, and loan review modules for the same buyer profile.
• Ncontracts: Ncontracts provides risk management, compliance, and analytics software to banks and credit unions. Its risk oversight products overlap with OptimaFI's credit risk and balance sheet portfolio analysis suite.

Broad incumbents

• Jack Henry & Associates (ProfitStars): Jack Henry serves thousands of community banks with core, lending, and digital solutions, including ProfitStars. It is a broad incumbent in OptimaFI's buyer ecosystem and offers overlapping marketing and risk capabilities as part of a wider portfolio.
• FIS / Fiserv: FIS and Fiserv are broad financial services technology incumbents with community bank franchises. They offer overlapping marketing analytics, risk, and core-adjacent capabilities across much larger installed bases.
• Alkami Technology: Alkami provides a digital banking platform to community banks and credit unions, with embedded marketing, analytics, and onboarding features. It is a broader incumbent competing for the same IT and growth budgets.
• Temenos: Temenos is a global banking software platform that absorbed Baker Hill. It competes with OptimaFI across lending, risk, and analytics, though its core strength lies outside US community institutions.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/optimafi

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&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about OptimaFI