Informativ's Tech Edge Drives Rapid Growth in Auto Finance

FRISCO, Texas – April 07, 2026 – In a powerful demonstration of sustained growth and market relevance, Informativ, a provider of critical technology for the automotive and consumer finance sectors, has been named to the 2026 Inc. Regionals: Southwest list. Securing the 70th position, the Frisco-based company is recognized as one of the fastest-growing private enterprises in a highly competitive region encompassing Texas, Arizona, New Mexico, and Oklahoma.

This distinction, an extension of the prestigious national Inc. 5000 list, highlights companies that are significant drivers of regional economic growth. Informativ's ranking is not just a number; it's a testament to the surging demand for sophisticated solutions that tackle the complex challenges of fraud, compliance, and payments in a rapidly evolving industry. The company’s achievement comes at a time when its core markets are grappling with unprecedented levels of risk and regulatory pressure.

“I believe being recognized again by Inc. underscores the continued demand for solutions that help businesses operate more efficiently while maintaining compliance,” said David Carner, CEO of Informativ, in a recent statement. “Our focus remains on delivering technology that simplifies complex processes, reduces risk, and supports better outcomes for our clients and their customers.”

The Engine of Growth: Innovation in a High-Stakes Market

Informativ's rapid ascent is directly tied to a strategic focus on product innovation aimed at solving the most pressing pain points for automotive dealers and lenders. The company’s growth between 2022 and 2024, the period measured by Inc., was fueled by a series of significant technological advancements that address a market where fraud exposure is projected to surpass $10 billion in 2026.

One of the company's key recent launches, Verified Stips, directly confronts the challenge of document fraud, which surged by an alarming 244% in 2024. The solution streamlines the verification of stipulations—such as proof of income, employment, and residence—by pulling data directly from verified sources like financial institutions and payroll providers. This not only accelerates deal funding but also hardens defenses against increasingly sophisticated fraud schemes like synthetic identity creation and forged documents.

Further bolstering its capabilities, Informativ executed the strategic acquisition of Carmatic in September 2025. This move integrated an intelligent Payments-as-a-Service platform into its ecosystem, unifying Informativ's established strengths in compliance and credit with Carmatic's advanced payments and decisioning technology. The result is a platform that can deliver real-time, credit-informed, and transactable loan and lease payments, bridging the gap between online browsing and a finalized, compliant deal.

This integration is powered by innovations like the company’s Payments API and SmartPencil technology. The API enables automotive software partners to embed VIN-specific, credit-qualified payment information directly into their platforms, from digital retailing sites to AI-powered chatbots. This replaces generic online payment estimators with accurate, live payment structures, creating a more transparent and efficient path to purchase for consumers and a more profitable one for dealers.

Thriving Amidst Uncertainty: A Regional Powerhouse

Informativ's success story is also a chapter in the larger narrative of the Southwest's economic resilience. The 132 private companies on the 2026 Inc. Regionals list achieved a remarkable median growth rate of 79% between 2022 and 2024. Collectively, they added 9,633 jobs and contributed $5.2 billion to the regional economy, proving to be vital engines of growth during a period marked by inflation and economic uncertainty.

“The honorees on this year’s Inc. Regionals list achieved exceptional growth at a time when the odds were against them,” noted Bonny Ghosh, editorial director at Inc. “Amid inflation, supply chain disruptions, and ongoing economic uncertainty, they didn't just persevere – they innovated, adapted, and thrived. Their resilience made them standouts in their industries and true growth engines in their regions.”

For Informativ, this marks a continued pattern of recognition, having also been named to the national Inc. 5000 list in both 2024 and 2025. This consistent performance highlights a strategy focused on providing essential, non-discretionary services. In an uncertain economy, businesses double down on tools that protect their bottom line, ensure regulatory compliance, and enhance operational efficiency—the core tenets of Informativ's value proposition.

The Private Equity Playbook: Fueling Scale with Strategic Backing

Behind Informativ’s accelerated growth and strategic acquisitions is its partnership with Capstreet, a Houston-based private equity firm. Capstreet, which acquired the company (then known as Credit Bureau Connection) in October 2021, specializes in investing in lower middle market business services companies, particularly those in the Southwest U.S. that are poised for transformation.

Capstreet's involvement is more than just a capital injection; it represents a strategic partnership guided by the firm's proprietary Capvalue Framework®. This framework is designed to help portfolio companies scale more quickly by providing best practices, subject matter expertise, and resources across critical business functions like strategy, M&A, marketing, and technology. Informativ's recent product launches and the Carmatic acquisition are prime examples of this value-creation strategy in action, leveraging private equity support to aggressively expand its product suite and market reach.

The partnership allows Informativ to pursue a long-term vision while executing short-term strategic wins. By focusing on entrepreneur-owned businesses with strong fundamentals and untapped growth potential, Capstreet helps companies like Informativ navigate the complexities of scaling, turning a promising technology provider into a market leader.

Navigating a Complex and Competitive Landscape

The automotive and consumer finance industries are currently at a challenging crossroads, squeezed between the dual pressures of increasingly sophisticated fraud and heightened regulatory oversight from agencies like the Consumer Financial Protection Bureau (CFPB). Fraudsters are leveraging AI to create synthetic identities and fabricate documents, while regulators are intensely focused on fair lending practices, data accuracy, and transparency in all consumer interactions.

This environment has created a critical need for a unified solution. Many dealers and lenders have historically relied on a patchwork of disconnected systems for credit checks, compliance documentation, fraud detection, and payment processing. This siloed approach is often inefficient, creates friction for customers, and leaves dangerous gaps that can be exploited.

Informativ's key competitive differentiator is its integrated platform, which brings these disparate functions into a single, seamless workflow. By embedding credit, compliance, fraud prevention, and payments into the entire sales process, the company provides a holistic solution. This not only helps businesses mitigate risk and reduce their compliance burden but also creates a smoother, faster, and more transparent experience for the end customer. The company’s repeated accolades from Inc. serve as external validation that this integrated strategy is not only effective but essential for thriving in today's demanding market.