No one knows alternative credit like we do.

The smartest decision for all of your data needs. MicroBilt develops and supports integrated solutions for risk management, decisioning and analytics. As innovators for over 35 years we maintain a well-earned reputation at the leading edge of handling and leveraging highly sensitive personal data.

  • Service 7,000+ business clients with 100,000+ users worldwide
  • Secure: PCI DSS 2.0, SSAE16 TypeIISox1, AICPA, 256 BIT SSL, Safe Harbor Certified
  • Credit Reporting Agency - UK Licensed with OFT since 2009
  • Member: ACCIS, BCCA, CCTA & FLA

The landscape of payday and online lending in the UK is changing, thanks to revolutionary web-based tools from MicroBilt UK. Join the global leader in small business risk management and take your business to the next level with our exclusive data solutions for lenders.

MicroBilt continues to focus on its expansion into the UK market and we are working with both leading loan providers and an extensive range of data providers to develop a new approach to the risk management challenges that are facing the payday loans industry and applicants. Our company reflects a business culture of honesty, ethical practices, and human decency and pursues its vision with a passion for exceptional service that includes knowledge, advice, expertise, and leadership through an array of products and services built on our customer insights.

MicroBilt is a global leader in business risk management and data solutions based in the United States and we have processed over $220 billion in alternative and short term loans in the U.S. to date. Our wide selection of data products and services include fraud prevention, consumer financing, debt collection, background screening, automated risk scoring and decisioning.

We are proud to be the most reliable and convenient source of real-time decision-critical information available today and look forward to continued expansion to serve the UK marketplace.

  • 1978
    MicroBilt business began as Equipment Resources Incorporated, a provider of communications devices.
  • 1982
    Equipment Resources introduced communications terminals into the credit industry.
  • 1984
    Equipment Resources changed its name to MicroBilt as it began to develop value added software programs for its communications devices in addition to its proprietary hardware platforms.
  • 1985
    MicroBilt went public.
  • 1990
    MicroBilt was purchased by First Financial Management Corporation.
  • 1995
    First Financial Management Corporation was acquired by First Data Corporation. MicroBilt developed Windows-based desktop software solutions for customers as well as enterprise solutions for local area networks, wide area networks, credit communications engines and browser-based applications. These developments, however, were focused on enhancing the leasing of its proprietary hardware platforms that allowed customers to communicate directly with the consumer and commercial credit bureaus.
  • 2000
    First Data transferred its MicroBilt assets into MicroBilt, LLC. The Company implemented a process to move away from providing access the credit bureau data through the leasing of proprietary hardware to delivering all types of risk management information through an on-line, transactions-based platform. Along the way certain strategic acquisitions — DataFax, Inc., Integra Information, Inc., FiData, Inc., and Pay Rent, Build Credit, Inc., added to MicroBilt’s product offerings and system completeness.
  • 2002
    Acquired MergTech assets.
  • 2004
    MicroBilt Merchant Services and MicroBilt Financial Services are incorporated.
  • 2005
    Acquired Profit Systems Software, Credit Data Systems Inc., Eclectic Data Systems Inc. assets.
  • 2005
    ComplyTraq LLC incorporated to provide compliance services to third parties including customers and vendors.
  • 2010
    MicroBilt UK Ltd. incorporated.
  • 2010
    MicroBilt acquired CL Verify (“CLV”), formerly DP Bureau, a leading supplier of credit related information to short term lenders.