Growth Like No Other

Back in October 2025, we passed our first milestone at 50 million transactions. We tripled  the amount of applications processed in the span of 7 months. We’ve reached 100 million applications processed in Jan of 2026. 

As demand for consumer goods and especially indirect lending heats up with inflationary pressures and the overall job market, we continue to see an increase in credit seeking public looking for financing and credit to get through the first quarter and a half of 2026.

The new Federal Reserves Chairman will be installed in a month's time and with recent world events and the current Fed signaling rate hikes, we don’t think inflationary pressures will cool anytime soon.

This means that home owners will look for new ways to unlock value within their home through HELOCs and further invest into their current home because of lack of mobility to up or downsize. We see growth in ground pools, solar panels and other energy products in the consumer market. We also see growth in commercial EV vehicles growth due to rising energy costs that puts further pressure on small businesses across America.

The younger generation is shouldering inflationary pressure equally to their parents' generation. We see significant changes in the younger generation’s shopping behavior.  The “Subscription Generation” is dominating retail and online shopping behavior and the need for installment payments within the mass affluent consumer market is experiencing significant growth.

The Engine of Embedded Finance: Platform Strength

LendAPI is one of the fastest growing embedded finance infrastructure companies in the world. Our technology is enabling a variety of indirect lending scenarios cutting through all product types. Auto, Boats, Veterinarian, Dentistry as well as in store consumer goods financing are all live and in production delivering millions of financing opportunities for banks, credit unions, retailers and fintechs alike.

LendAPI has the complete private labeled solution from customer experience (online or instore), to administrative experience (online or in-store shopping co-pilots) to loan servicing. We also provide support in lending licenses and compliance to provide a short and immediate launching of your private labeled BNPL product.

In the luxury goods industry, we see a massive movement of de-coupling from pure play lenders and create in-house, on-brand BNPL solutions that lower the cost to the retailers and create an even more brand-continuity from their shopping to their financing experience.

There are several reasons why this de-coupling movement is happening. First, the pure play lenders have complete disregard for the merchant’s need to have a deeper approval process and these lenders change approval rates without telling the merchants.

This creates instability in how merchants use these financing products. They can't operate in the dark and guess the approval rate day by day. Some of the merchants have completely given up using these BNPL lenders because they know it’s almost certain that their customers will decline.

Secondly, the cost of these pure play lenders are way too high. Some of the merchant discount rates are in the double digits. This erodes the merchant’s margin and makes no sense for merchants to deliver additional products and services. And lastly, there’s always been a brand continuity issue. Merchants want to have their clients to experience the same shopping and financing experience. Working with a third party lender prevents them from advertising their brand across the entire customer life cycle.

Lastly, there are many cross sell opportunities for royalty, insurance products that pure play lenders refuse to integrate and these custom experiences can only be delivered through LendAPI’s Embedded Finance Core Infrastructure.

Commitment to Partners

All of our credit union partners in the embedded finance space are looking for 20% YOY growth, which means doubling their portfolio every 4 years. 

We are committed to deliver a sophisticated manual underwriting process as well as lights out automation for just about all types of financing products. Our new A.I. tools can scan thousands of documents per minute, our internal automation tools can build strategies, products and summarizes credit applications to increase staff productivity.

We are committed to build more automation tools to help credit unions to attract more members and still deliver the hands on, white glove treatments their members deserve. Our platform and A.I. toolsets are all about delivering experiences faster with accuracy and making credit union staff even more efficient. 

About LendAPI

LendAPI is the core infrastructure for embedded finance, known as one of the fastest-growing embedded finance infrastructure companies in the world. Since its inception in 2024, the platform has provided market leadership in indirect financing across industries ranging from automotive and marine equipment to luxury consumer goods and services. Our technology enables a variety of indirect lending scenarios, delivering millions of financing opportunities for banks, credit unions, retailers, and fintechs. LendAPI provides a complete, private-labeled solution, from customer experience and administrative tools (including in-store co-pilots) to loan servicing, compliance, and licensing support, to launch in-house BNPL products quickly and efficiently