Know your customer and assess their ability to pay.

Bring verified banking to every business transaction. Know instantly, using better data to make better decisions. Add flexible pricing - where you only pay for services when you use them - and IBV stands apart as a right-sized solution for your loan originations.

Let Instant Bank Verification help your business succeed.

Talk to one of our customer success agents to get started.

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What does it do?

Available via a web portal or flexible API, IBV is a fast, accurate and reliable bank verfiication tool designed to work at the speed of your business. Access the banking information of over 8,800 financial institution in the US and Canada to:

  • Verify an applicant's bank account
  • Confirm ability to repay a loan
  • Verify current and available account balances
  • Validate SSN (individual) and EIN (business)
  • Affirm current and prior address history
  • Discover an applicant's other financial obligations and loans

IBV meets all compliance standard inclding those of the Consumer Federal Protection Bureau (CFPB) and Fair Credit Reporting Act(FCRA). It also features a set ofpowerful fraud protection features for monitoring social security numbers against federal watchlists.

What is it used for?

Today, more and more businesses are using IBV for:

  • Consumer loan origination
  • Short term lending
  • Auto financing
  • Business line of credit management
  • Bank verification for mortgage lending

Learn which Microbilt products are right for your business.

Have one of our customer success agents help you get the most out of our products.