Named competitor
FunnelFi vs. LeadFi: FICO Verdict vs. VantageScore Tiers (2026)
Quick answer
Both pre-screen leads from name/email/phone with no SSN. LeadFi uses VantageScore 4.0, returns SQL/NQL tiers, and ships native Meta/Google/TikTok CAPI plus a live MCP for AI agents. FunnelFi uses FICO, returns a Qualified/DNQ verdict with loan program matching and FunnelFi Verified File deliverables, and publishes flat PAYG pricing from $5 or $12/run.
FunnelFi is best for
B2B lenders, ISOs, and mortgage LOs that need FICO-based verdicts and program matching, plus lead agencies delivering Verified Files.
LeadFi is best for
Multi-platform paid-social teams that need native one-click CAPI, and fintech builders wiring pre-qual into AI agents via MCP.
Side-by-side comparison
| Criterion | FunnelFi | LeadFi |
|---|---|---|
| Input required | Name, phone, email, no address, no SSN | Name, email, phone, no address, no SSN |
| Time to verdict | Under 3 seconds | Real-time |
| SSN required | No | No |
| Data returned | FICO + Qualified/DNQ + DTI + program match + full credit report (Business/Mortgage) | VantageScore 4.0 + available credit + income + DTI + verified address/age; premium: assets/net worth |
| Program matching | Yes, MCA, SBA 7(a), LOC, term, Conventional, FHA, VA, HELOC, Jumbo | No, SQL/NQL tier thresholds you configure |
| Customizable Pre-Qualification Forms | Yes | No |
| Customizable Pre-Qualification Website | Yes | No |
| CRM integrations | HubSpot, GHL, Salesforce, Zapier, Make, n8n, Typeform, ClickFunnels (MCP roadmap) | Native Meta/Google/TikTok CAPI, GHL, HubSpot, Salesforce, Close, Pipedrive, Zoho + live MCP |
| Pricing model | Agency $5/run · Business/Mortgage $12/run · subs from $399/mo (published) | Usage-based, shown after signup; 14-day free trial with 20 runs |
| Implementation time | Same day | Same day (free trial available) |
| Best for | Lenders/agencies needing FICO verdict, program match, and Verified File deliverables | Multi-platform paid social; AI-agent/MCP builders; teams wanting asset/net-worth data |
How we compared: Based on LeadFi's public product/pricing pages at leadfi.ai and FunnelFi's published pricing as of July 2026. LeadFi does not publish per-run pricing publicly. Verify LeadFi's current features and pricing on their site.
Which is right for you?
Pick FunnelFi if…
- •Your underwriting references FICO (SBA, GSE, FHA, VA, MCA investor criteria).
- •You need a binary verdict and program match, not tier thresholds you have to configure.
- •You run a lead agency and need an FunnelFi Verified File as your deliverable.
- •You want transparent, published PAYG pricing with no signup required.
Pick LeadFi if…
- •Native one-click Meta/Google/TikTok CAPI (no Zapier) is critical.
- •You're wiring pre-qual into an AI agent/IDE via MCP today.
- •You need asset/net-worth data or a 14-day free trial before paying.
LeadFi vs. FunnelFi, FAQ
LeadFi vs FunnelFi, what's the core difference?
LeadFi uses VantageScore 4.0 and returns SQL/NQL tiers with configurable thresholds. FunnelFi uses FICO and returns a Qualified/DNQ verdict with loan program matching on Business Funding and Mortgage tiers.
Does LeadFi use FICO?
No, LeadFi uses VantageScore 4.0. FunnelFi uses FICO, which is the standard referenced by SBA, GSE, FHA, VA, and most B2B lender underwriting.
Does LeadFi support MCP for AI agents?
Yes, LeadFi has a live MCP for Claude, Cursor, Codex, and other agent stacks. FunnelFi's MCP is on the roadmap.
Does LeadFi match leads to loan programs?
No. LeadFi returns SQL/NQL tier scoring; you configure the thresholds. FunnelFi automatically maps each lead to eligible products (MCA, SBA, Conventional, FHA, VA, etc.).
How does pricing compare?
FunnelFi publishes flat PAYG: Agency $5/run, Business/Mortgage $12/run, subs from $399/mo. LeadFi's usage-based pricing is shown after signup and offers a 14-day free trial with 20 runs included.
Which is better for lead agencies?
FunnelFi, it ships the FunnelFi Verified File as the branded deliverable agencies hand to lender clients. LeadFi has no equivalent file artifact.
Which is better for multi-platform paid social?
LeadFi if native one-click CAPI is a hard requirement. FunnelFi supports Meta/Google/TikTok via webhook to CAPI/Zapier/Make today; native connections are on the roadmap.
Do either offer a free trial?
LeadFi: 14-day trial with 20 pre-qualifications. FunnelFi: no free trial, but PAYG at $5 or $12/run with no monthly minimum lets you test on real leads.
Ready to see the verdict for yourself?
Schedule a 30-minute demo, we'll qualify your last 100 leads live.