Infact Systems Limited

Based in the UK, Infact Systems Limited provides innovative solutions for credit risk management, offering a single API for real-time credit data to help lenders make informed decisions. Infact Systems Limited, founded in 2022, is headquartered in London, UK, and specializes in credit risk management solutions for lenders. The company was established by Will Mason, who previously had experience in the financial technology sector. Infact has completed one deal to date, raising GBP 4 million in Seed funding on August 5, 2024, led by AlbionVC, with participation from 13books Capital, Outward VC, Form Ventures, and Portfolio Ventures.

The total amount raised by the company is GBP 4 million, with a current valuation of GBP 16. 503 million. Infact Systems offers a comprehensive suite of innovative products designed to enhance credit risk management for lenders. At the core of their offerings is a single API that enables clients to search, report, and manage real-time credit information, thereby facilitating informed lending decisions.

Infact's solutions address the limitations of traditional credit bureau products, delivering a more accurate and complete picture of consumer credit behavior. Their services are particularly beneficial for financial institutions aiming to expand responsible lending to new demographics while mitigating risk. Infact's products also capture the intricacies of modern lending environments, including Buy Now Pay Later (BNPL) schemes, making them indispensable for lenders across various sectors. The company serves a diverse clientele in markets including the United Kingdom and Europe, empowering financial services organizations to meet Consumer Duty obligations and regulatory compliance standards.

Infact Systems generates revenue primarily through a subscription-based model, allowing clients, such as lenders and financial institutions, to access their suite of credit management tools. This model typically involves clients paying a recurring fee in exchange for continuous access to Infact's real-time credit data and analytics capabilities. The company’s flagship offerings, including their API for risk assessment and fraud detection, facilitate streamlined integration for clients, enhancing operational efficiency. Given the nature of the financial services sector, transactions often involve B2B partnerships where lenders subscribe to Infact's services to improve their lending practices and portfolio management.

Specific pricing plans are tailored to the needs of individual clients, reflecting the scale and scope of their desired services. Infact Systems plans to utilize the recent GBP 4 million in Seed funding to hire additional staff, accelerate the development of its bureau database, and expand its product portfolio. The company is currently designing new products aimed to enhance its offerings, although specific release dates have yet to be announced. Additionally, Infact is targeting expansion into broader European markets by the end of 2025, enhancing its service delivery across different regions.