WHY INVEST?
The Future of Financial Data
Traditional credit scores don’t reflect the reality of millions of North Americans.
Lenders need stronger signals than bureau data alone, especially when assessing underbanked customers in real time.
Inverite is here to change that.
The Problem
Data Deficiency: When Bureau Data Isn’t Enough
Traditional credit bureau data leaves major gaps, especially for underbanked and credit-invisible consumers. As a result, lenders lack confidence in credit scores alone and increasingly rely on alternative data to make faster, more accurate lending decisions.
%
Of lending decsions in Canada rely on information provided by Transunion or Equifax
North Americans were considered financially excluded due to lack of credit on these bureaus.
THE MARKET OPPORTUNITY
Millions of North Americans remain underserved in the credit market. Preventing lenders from making accurate assessments.
$275B
in North America for alternative lenders financial technology services
Supporting one of the fastest-growing credit markets, with alternative lending expanding at a 22.9% CAGR.
The Solution
Inverite AI uses consumer data and machine learning to redefine lending.
Inverite delivers Risk Model as a Service (RMaaS) by analyzing key borrower metrics such as income, banking behavior, account history, and cashflow patterns. Lenders can use these insights alongside verification tools including ID, bank, and income verification, to improve approval accuracy, reduce risk, and expand access to credit.
R&D
We use AI and proprietary data techniques to improve accuracy in risk assessment and efficiency in credit decision-making.
Machine Learning
Our models evaluate a broader range of financial behavior to support faster, fairer, defensible, more accurate credit outcomes that are backed by objective, verifiable data.
Risk Model as a Service
Risk Model as a Service (“RMaaS”) helps lenders serve underserved segments with data-driven risk decisions without compromising revenue.
Verification
Seamlessly integrate ID, bank, income, and risk checks to streamline operations and strengthen security.
The Inverite Edge
AI Risk Models Built for Today’s Lending Reality
Inverite blends unparalleled risk decisioning, strategic categorization, instant bank and income verification to provide near real-time, unique banking and consumer data to present viable alternative lending opportunities, redefining how underbanked consumers are adjudicated.
30B+ Data Points
7M+ Unique Customer Requests
99% Consumer Coverage
286 Connected Financial Institutions
Business Model
Inverite is a financial technology platform that provides identity, bank verification, and cash-flow based risk intelligence for lenders, payment providers, and financial institutions across North America.
The platform is monetized through a combination of transaction-based verification services, subscription access, and usage-based risk and analytics products, allowing customers to integrate Inverite into onboarding, underwriting, payments, and ongoing account monitoring.
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