LendAPI

Talked to a lending ops lead last month who told me their last product launch took 4 months because it needed 3 sprints of engineering time that kept getting bumped higher. That's the actual bottleneck in most lending teams right now. Not strategy. Not appetite. Just a queue. With LendAPI you skip it: • Build the flow, no code, no engineering ticket, no sprint cycle. • Brand it as your own; borrowers never see LendAPI. • Launch it live with funded loans in days, not quarters. Sunglass Hut did their whole embedded lending build in a month. No dev team required. Not because it was simple. But because nothing stood in the way. Got an idea stuck behind an engineering backlog? Let's fix that. Follow LendAPI and see how it works at lendapi.com! #EmbeddedFinance #FinTech #LendingTechnology

This week, we closed the loop. LendAPI v3.2.3 + EmbARC v1.1.0 = one loan, one platform, end-to-end. On the front end: Draft contracts that don't go live until you say so. A documents hub that actually makes sense. And Doc AI that catches the wrong file before it ever hits storage. On the back end: Sell loans, buy them back, link descendants. Automate reminders. Run SCRA, MLA, and OFAC checks right inside servicing. No more handoffs. No more fragmentation. One platform. Full lifecycle. Full breakdown: https://lnkd.in/ggUAEthy #LendAPI #EmbARC #EmbeddedFinance #Lending #Fintech #LoanOrigination #LoanServicing

We are thrilled to continue our partner spotlight series! Building a resilient and innovative financial technology landscape takes a dedicated village, and we are incredibly proud of the robust network we are cultivating here at LendAPI. 🚀 LendAPI Honors Prism Data, DataX (Equifax), Checkbook and Flinks, we are excited to honor the next four incredible FinTech partners powering our ecosystem: 📈 Open Banking & Cash Flow Analytics Open banking is the new frontier for underwriting, especially for short-term and small-dollar credit. Instead of relying solely on static credit scores, lenders can now assess real-time income and spending habits. 💡 Prism Data leverages consumer-permissioned financial data to deliver cutting-edge cash flow underwriting and actionable insights. 🔗 Flinks is a leader in data aggregation, helping lenders achieve the highest conversion rates for Instant Bank Verification (IBV) and empowering them with deep financial insights. 📊 Alternative Credit & Subprime Lending With more than half of Americans living paycheck to paycheck, emergency credit is a mainstream necessity. 🔎 DataX (an Equifax Company) steps in to fill a critical gap, providing the alternative data lenders need to make informed, nuanced decisions in near-prime and subprime markets. 💳 Streamlined Payments Payments are the lifeblood of any lending operation. Without a reliable way to disburse funds and collect repayments, the system breaks down. 💸 Checkbook takes the friction out of moving money by combining modern digital payments with the ease of traditional checks—all through a single API. At LendAPI, we believe in unifying the financial ecosystem. We gather the best of breed in underwriting, analytics, credit data, and payment gateways, doing the heavy integration lifting so banks, credit unions, and lenders can focus on what they do best: launching innovative financial products and serving their customers. Read our full blog post to learn more about how these partnerships can elevate your financial products, and visit the LendAPI FinTech Marketplace to see their integrations in action! 👇 Check out these four fintech companies here: https://lnkd.in/gk4iCqsJ #LendAPI #FinTech #OpenBanking #Underwriting #Payments #FinancialInclusion #PrismData #Flinks #DataX #Checkbook #LendingTech

We are thrilled to welcome Chris Harris Edmond to the LendAPI team as our newest Product Intern! 🎉 LendAPI’s FinTech Orchestration Platform has been widely adopted by banks, credit unions, fintechs, and retailers to drive their lending growth strategies. As our platform continues to rapidly expand, bringing on innovative, forward-thinking talent like Chris is essential to helping us scale and elevate our product offerings. Chris joins us from Lovely Professional University, where he is studying Computer Science with a specialization in AI and Machine Learning. He brings an impressive mix of technical engineering and customer-facing experience from his previous roles at Evolgia AI and ECS Fin. From building AI-powered platforms to engineering intricate data pipelines, his hands-on experience makes him a perfect fit for our fast-paced environment. 🚀 Kaiyu Feng, our VP of Product, couldn't be more excited: "We are absolutely thrilled to welcome Chris to LendAPI. His unique blend of AI expertise, practical engineering experience, and customer-focused problem-solving is exactly what we need as we continue to push the boundaries of our platform." Stepping into his new role, Chris shared: "I am incredibly excited to join LendAPI as a Product Intern. I look forward to working closely with this talented team to build out innovative solutions on the FinTech Orchestration Platform and help our clients achieve their lending goals." Please join us in giving Chris a warm welcome to the LendAPI family in the comments below! 👇 Check our Chris's welcome page: https://lnkd.in/gJnSaPYF #LendAPI #FinTech #ProductManagement #NewHire #Internship #WelcomeToTheTeam #Innovation

LendAPI v3.2.3 & EmbARC v1.1.0 - Lend More, Chase Less This week we shipped LendAPI v3.2.3 and EmbARC v1.1.0 — one on the origination side, one on servicing, and together they cover a loan from first draft to final payoff. On the origination side (LendAPI v3.2.3): 📝 Draft contracts — save a contract as a draft, iterate on the values, and only send for signature when it's ready. Sent versions freeze automatically. 📄 A redesigned Documents surface — reject documents and notify the borrower in one click, batch your requests, and see every doc's status, version, and Doc AI response at a glance. 🤖 Doc AI now catches the wrong file at upload — a pay stub sent when you asked for a bank statement gets flagged before it's ever stored. On the servicing side (EmbARC v1.1.0): 🔁 Sell and buy back loans — transfer ownership to an external investor with full settlement and audit history. 🔗 Link related loans and create descendant loans without disturbing the original record. ⏰ Automate borrower reminders for auto-pay and payments due. 🛡️ Run SCRA, MLA, and OFAC compliance checks right inside the servicing workflow, powered by Baselayer. Originate it in LendAPI. Service it in EmbARC. End to end. Full breakdown on the blog https://lnkd.in/ggUAEthy #EmbeddedFinance #Lending #Fintech #LoanOrigination #LoanServicing #LendAPI

🚀 Exciting Update from the LendAPI Ecosystem! 🚀 In the modern digital lending space, true innovation comes from how seamlessly different systems communicate. No platform operates as an island. That’s why we are thrilled to announce four game-changing additions to LendAPI’s FinTech Marketplace! Whether you are trying to break through legacy tech bottlenecks, fight next-gen fraud, or underwrite digital storefronts, these integrations bring unparalleled power to your lending workflows: 🏛️ PortX: Historically, integrating with legacy bank cores has been a massive headache. PortX solves this with its unified Integration-Platform-as-a-Service (iPaaS), allowing financial institutions to securely connect core data to modern fintech apps in weeks, not years. 🛡️ Oscilar: Say goodbye to legacy rules-based fraud engines. Osciliar’s AI-driven, "Agentic Risk Platform" processes thousands of complex signals in milliseconds, drastically reducing false positives and fraud losses while keeping you in complete control of your automated underwriting. 🛒 Rutter: Underwriting SMBs in the e-commerce space? Relying on self-reported financials is a thing of the past. Rutter’s unified API connects you directly to over 75 platforms (like Amazon, Shopify, and Stripe) so you can ingest verified, real-time sales and P&L data straight into your decisioning models. 📊 Vergent LMS: Once a loan is funded, the heavy lifting shifts to portfolio management. Vergent brings robust, cloud-based loan management to our ecosystem, offering dynamic interest calculation, automated scheduling, and scalable compliance to handle the entire lifecycle of a loan effortlessly. At LendAPI, we are proud to be the industry's most comprehensive digital lending orchestration platform. From the moment your customer clicks "Apply" to their final loan repayment, we act as the central nervous system bringing your digital credit products to life. Ready to build smarter, faster, and safer? Check out our newest partners and explore the full power of our ecosystem on the LendAPI FinTech Marketplace today! 🔗 Check out these four awesome firms here: https://lnkd.in/gUb8iJMV #FinTech #DigitalLending #LoanOrigination #CreditDecisioning #APIs #LendAPI #PortX #Oscilar #Rutter #VergentLMS #BankTech

🚀 Exciting News from the LendAPI Marketplace! 🚀 As small business and MCA lending continue to evolve at a breakneck pace, the need for instantaneous, precise decisioning has never been more critical. To support this growth, we are continuously expanding our emerging partner ecosystem and are thrilled to announce four powerhouse integrations! In our latest blog post, Next-Gen Small Business Lending, we dive deep into how these cutting-edge partners are transforming the digital lending landscape: 📄 Ocrolus: Revolutionizing document-heavy lending by automating the ingestion of bank statements, tax forms, and pay stubs with advanced OCR technology. 📊 Xactus: Powering complex asset origination and multi-tiered credit verification programs with premier data and strict compliance tools. 🛡️ Baselayer: Delivering instantaneous business verification, risk indexing, and automated KYB data to eliminate multi-day delays and manual overhead. ✅ Middesk: Setting the gold standard for business identity and legal standing verification to help B2B fintechs open commercial accounts faster and scale securely. At LendAPI, our roots run deep in the SMB lending space. By unifying these diverse ecosystem players, we’re equipping the entire fintech and banking ecosystem with the utmost cutting-edge lending technology to drive broader financial inclusion and faster, smarter decisions for small businesses everywhere. 📖 Read our full perspective here: https://lnkd.in/gGtsdzb5 #Fintech #SmallBusinessLending #MCA #LendAPI #Ocrolus #Xactus #Baselayer #Middesk #KYB #DigitalLending #Innovation

🚀 Big news! We are thrilled to welcome John G. Warner III, MBA, CUDE, CCUFC to the growing LendAPI team! Credit unions are the absolute heartbeat of Main Street America. Today, over 4,400 federally insured credit unions serve more than 143 million members, funding small businesses, providing first mortgages, and consistently putting people over profits. At LendAPI, our mission is simple: We help credit unions build and launch new financial products instantly. To do that, we need the best minds in the industry on our side. That is exactly why we brought John on board. John brings a multidimensional financial background that is tailor-made for our mission. With deep operational and strategic experience spanning Embold Credit Union, Truist, Ford Motor Company, and major credit bureaus, plus his prestigious CUDE and CCUFC designations. John knows exactly what credit unions need to thrive in a digital-first world. His arrival builds perfectly on the momentum of our VP of Credit Union Alliance and Ecosystem Success, Brian Kerssies, who joined us in May 2026 to expand our CUSO partnerships and project management capabilities. Here is what our leadership has to say: "Bringing John onto the team is a game-changer for LendAPI. His unique blend of experience across traditional banking, credit bureaus, and direct credit union leadership gives us an incredible edge. This additional expertise will help us get a much deeper understanding of the credit union space." — Bennett Krieger, Head of GTM "I am incredibly excited to join a company that truly understands the value of credit unions. Credit unions do the heavy lifting for Main Street America, and they need agile, modern tools to continue providing the best products to their communities. I look forward to helping our credit union and CUSO partners innovate and thrive." — John G. Warner III, MBA, CUDE, CCUFC Join us in welcoming John to the LendAPI family! We cannot wait to see the impact you will make for our clients and the broader credit union community. 🙌 Read the full announcement on our blog here: https://lnkd.in/ge7-QMUt #CreditUnions #Fintech #CUSO #LendAPI #MainStreetAmerica #DigitalBanking #TeamGrowth #CreditUnionMovement

🚀 Big news at LendAPI! We are thrilled to welcome Kamal Rathi to our team as our new Backend Software Engineer! As LendAPI experiences rapid global growth, we are actively expanding our team to support clients across all time zones and ensure 24/7 reliability for the mission-critical platform we’ve built. Kamal is a highly skilled Python Backend Engineer who brings over three years of experience building and optimizing high-scale systems end-to-end. He specializes in database performance, robust async pipelines, and decomposing complex monolithic applications into efficient microservices. Our CTO, Sam Xia, shared his excitement about Kamal joining the team: "As LendAPI scales, our primary focus remains on the reliability and speed of our core infrastructure. Kamal’s incredible background in optimizing high-traffic database queries, decomposing complex monoliths, and managing heavy async workloads fits perfectly with our technical roadmap." Kamal is equally excited to hit the ground running: "Building and maintaining fintech infrastructure requires absolute precision and scalability. I look forward to bringing my experience in optimizing backend APIs and managing distributed microservices to ensure LendAPI continues to deliver world-class performance and support for our clients, no matter where they are in the world." Please join us in giving Kamal a warm welcome to the LendAPI family! 🙌 Check out our welcome letter for Kamal: https://lnkd.in/gMxfW_PC #LendAPI #Fintech #EngineeringTeam #NewHire #BackendDeveloper #TechGrowth #SoftwareEngineering