Search company, investor...

Point Predictive

Founded Year



Line of Credit | Alive

Total Raised


Mosaic Score
The Mosaic Score is an algorithm that measures the overall financial health and market potential of private companies.

+10 points in the past 30 days

About Point Predictive

Point Predictive is a provider of risk management & artificial intelligence solutions for auto finance, consumer lending, mortgage lending, online retail, real estate, and consumer rental markets. The platform helps lenders and online retailers stop fraud, and reduce first and early payment default losses at low false positives.

Headquarters Location

12680 High Bluff Drive Suite 200

San Diego, California, 92130,

United States


Missing: Point Predictive's Product Demo & Case Studies

Promote your product offering to tech buyers.

Reach 1000s of buyers who use CB Insights to identify vendors, demo products, and make purchasing decisions.

Missing: Point Predictive's Product & Differentiators

Don’t let your products get skipped. Buyers use our vendor rankings to shortlist companies and drive requests for proposals (RFPs).

Research containing Point Predictive

Get data-driven expert analysis from the CB Insights Intelligence Unit.

CB Insights Intelligence Analysts have mentioned Point Predictive in 1 CB Insights research brief, most recently on Dec 8, 2021.

Expert Collections containing Point Predictive

Expert Collections are analyst-curated lists that highlight the companies you need to know in the most important technology spaces.

Point Predictive is included in 5 Expert Collections, including Mortgage Tech.


Mortgage Tech

218 items

Companies here streamline and digitize the mortgage lending process. Collection includes direct lenders, mortgage brokers, process optimization technologies for lenders, as well as tools that support borrowers throughout the search and application phases.


Digital Lending

1,801 items

This collection contains companies that provide alternative means for obtaining a loan for personal or business use and companies that provide software to lenders for the application, underwriting, funding or loan collection process.



2,571 items

Companies and startups in this collection enable consumers, businesses, and governments to pay each other - online and at the physical point-of-sale.


Artificial Intelligence

9,442 items

This collection includes startups selling AI SaaS, using AI algorithms to develop their core products, and those developing hardware to support AI workloads.



7,746 items

US-based companies

Point Predictive Patents

Point Predictive has filed 6 patents.

The 3 most popular patent topics include:

  • Data management
  • Machine learning
  • Mozilla
patents chart

Application Date

Grant Date


Related Topics




Mozilla, Data management, Web frameworks, Machine learning, Information technology management


Application Date


Grant Date



Related Topics

Mozilla, Data management, Web frameworks, Machine learning, Information technology management



Latest Point Predictive News

10:05 ET Point Predictive Announces BorrowerCheck 2.0, Simplifying Identity, Income, and Employment Validation

Dec 20, 2022

News provided by Share this article New Features Help Replace Costly and Ineffective Knowledge-Based Authentication Tools SAN DIEGO, Dec. 20, 2022 /PRNewswire/ -- Point Predictive Inc., the San Diego-based company that provides artificial intelligence solutions, today announced BorrowerCheck™ 2.0, a solution designed to identify prospective borrowers with identity, income, or employment-related risks. The solution's new features introduce a consumer-friendly way to validate a borrower's identity, income, and employment in a single report, along with phone-based authentication to confirm a borrower's identity. This solution helps lenders replace knowledge-based authentication (KBA) tools that use questions generated from a wide range of public information that can be accessed by fraudsters and that legitimate consumers have a hard time answering. Data reveals that up to 92% of fraudsters can successfully pass knowledge tests compared to 46% of legitimate customers. BorrowerCheck 2.0 revolutionizes the way the industry will manage risk by combining identity, employer, and income validation and compliance risk requiring only a few fields of data in a single request via a real-time API or user-friendly, web-based interface. This groundbreaking advancement allows companies to look beyond standard identity indicators available through public records to rich new signals on identity, income, and employment fraud. The solution has also been enhanced to automate the mandatory Office of Foreign Assets Control (OFAC) check required by federal regulations and provide a comprehensive red-flag report that reveals disparities in self-reported data. When additional scrutiny is warranted, the solution provides suggestions for alternative ways to validate a consumer's reported information. One of those ways is through phone-based authentication rather than relying on onerous and ineffective knowledge-based authentication surveys. Using phone-based authentication, BorrowerCheck enables lenders and automotive dealers to validate a borrower's identity in seconds by providing consumers with a one-time passcode on their mobile devices. This significantly reduces the friction consumers experience attempting to complete KBA quizzes and lessens the time it takes to verify the consumer's identity while limiting the likelihood of fraud. "Helping companies minimize risks while enabling truthful borrowers to get funded faster and with less friction is our top priority," said Tim Grace, CEO of Point Predictive. "Traditional identity solutions rely primarily on public record data and those sources have no visibility into employment fabrication or income manipulation. With BorrowerCheck, companies now can not only tap into public record data but our proprietary risk data which contains information on more than 17 million employers and 147 million reported incomes. We're solving risk by filling in those blind spots for lenders that existing solutions don't cover. This is a game changer in identity validation since it's a much easier approach for credit providers as well as their consumers. "   BorrowerCheck customers can expect to reduce the cost of validating consumer identity, income, and employer data and improve the lending process for consumers. Using a simple set of data such as the consumer's full name, street address, phone number, date of birth, and social security number, lenders and dealers can access a comprehensive red flag check validating a borrower's identity, income, and employer in a single report. BorrowerCheck is powered by the proprietary Point Predictive data consortium that includes more than 20 billion unique consumer risk attributes derived from more than 120 million consumer credit applications. This unique data source enables BorrowerCheck to accurately identify inconsistencies related to identity, income, and employment, key indicators of fraud and misrepresentation that can lead to early payment default. Point Predictive invites lenders and automotive dealers who wish to learn more about BorrowerCheck to visit  or contact [email protected] . About Point Predictive Inc. Point Predictive powers a new level of lending confidence and speed through the unique combination of artificial intelligence, a powerful data consortium, and decades of risk management expertise. The company's data and technology solutions quickly and accurately identify who is reporting truthfully on their loan applications and who is not. As a result, lenders are now able to fund loans easily without asking the vast majority of applicants for onerous documentation such as paycheck stubs, utility bills, or bank statements. This improves funding rates by 40-50% while reducing overall early payment default losses by more than 30%. Borrowers get loans faster and we significantly boost profits to a lender's bottom line. Located in San Diego, California, more information about Point Predictive can be found at . SOURCE Point Predictive

Point Predictive Frequently Asked Questions (FAQ)

  • When was Point Predictive founded?

    Point Predictive was founded in 2016.

  • Where is Point Predictive's headquarters?

    Point Predictive's headquarters is located at 12680 High Bluff Drive, San Diego.

  • What is Point Predictive's latest funding round?

    Point Predictive's latest funding round is Line of Credit.

  • How much did Point Predictive raise?

    Point Predictive raised a total of $680K.

  • Who are the investors of Point Predictive?

    Investors of Point Predictive include Mosaik Partners, CIBC Innovation Banking, Ten Coves Capital, Napier Park Financial Partners and Paycheck Protection Program.

Discover the right solution for your team

The CB Insights tech market intelligence platform analyzes millions of data points on vendors, products, partnerships, and patents to help your team find their next technology solution.

Request a demo

CBI websites generally use certain cookies to enable better interactions with our sites and services. Use of these cookies, which may be stored on your device, permits us to improve and customize your experience. You can read more about your cookie choices at our privacy policy here. By continuing to use this site you are consenting to these choices.