Informed.IQ, a leading provider of AI-powered loan verification and fraud detection, today announced it has closed a $63 million growth equity investment led by Invictus Growth Partners (“Invictus”). The capital infusion is set to accelerate the company’s strategic expansion beyond its established dominance in auto lending into high-growth markets like mortgage, consumer lending, tenant screening, and government benefit administration.
The investment arrives as the lending industry grapples with escalating fraud losses, with Equifax data showing consumer non-mortgage write-offs surged by 145% from 2021 to 2024. Informed.IQ has already proven its ability to combat this crisis at scale, having processed over $350 billion in loan originations while serving seven of the top ten U.S. auto lenders. Customers like Westlake Financial Services report significant returns on investment.
“Westlake takes fraud very seriously,” said Ian Anderson, President of Westlake Financial Services. “Informed.IQ‘s AI helps us identify GenAI-fabricated consumer applications and prevent losses in the double-digit millions per year.”
The Power of Proprietary Lending Intelligence
The core of Informed.IQ’s success is its proprietary data advantage: an intelligence network built on over two billion lending data points from more than 100 million loan documents. This unmatched dataset allows the company’s category-defining agentic AI to instantly verify income, assets, residence, and other stipulations with 99% accuracy, reducing loan closing timelines from days to minutes.
Justin Wickett, CEO and Co-Founder of Informed.IQ, highlighted the platform’s role in modernizing finance: “We’ve built the industry’s most comprehensive lending intelligence platform, enabling faster, more accurate verification and fraud detection that previously was going uncaught, contributing to the rise in losses. This investment from Invictus validates our approach and will fuel our next phase of growth.”
The Invictus Growth Partners team recognized the unique value proposition. John DeLoche, Co-Founder and Managing Partner at Invictus, noted that the company’s “dataset is a true differentiator,” which is essential for earning the trust of the nation’s largest financial institutions. William Nettles, Co-Founder and Managing Partner at Invictus, pointed specifically to the model’s use of “years’ worth of historical loan performance data” for training, enabling “forensic precision” vital for high-stakes sectors like mortgage and government where verification errors carry the highest cost.
📰 Editorial View: The Imperative for Agentic AI in Finance
The Informed.IQ funding round is not just a triumph for a single FinTech firm; it is a clear indicator that the future of lending hinges on Agentic AI—autonomous systems capable of making high-stakes, real-time decisions. In an age where GenAI can fabricate near-perfect loan application documents, the traditional human-in-the-loop verification process is no longer sufficient to contain fraud, which is why institutions are seeing surging write-offs.
The company’s unique advantage—the massive, proprietary consortium data set spanning billions of loan data points—is its impenetrable competitive moat. This data is the training ground that allows its AI to detect sophisticated, subtle fraud patterns that would be invisible to human reviewers or vendors with smaller data footprints. By using this intelligence to automate verification, Informed.IQ simultaneously achieves two critical, seemingly contradictory goals: eliminating double-digit million-dollar losses and accelerating loan decisions to straight-through processing. This reduction in the cost and time of credit is a win for lenders (profitability) and consumers (financial inclusivity). The expansion into mortgage and government sectors, where compliance and accuracy are paramount, confirms their platform’s robustness and scalability, positioning Informed.IQ to become an indispensable infrastructure layer across the entire financial ecosystem. The new investors, including Nyca Partners and US Venture Partners, will undoubtedly help guide this expansion, further solidifying the company’s impact on lowering the overall cost of credit.
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