Quality over Quantity

To be named as part of the nominated FinTech startups at Banking Tech Awards USA 2026 is a true honor and a testament to the power of our embedded finance lending core. Amongst the nominees, we have Casca working diligently with banks to completely transform digital onboarding and Oscilar, an incredible decisioning platform that can quickly make sophisticated decisions for lenders and banks alike.

InvestiFi has been making waves in the personal investment space and giving credit union members access to high quality investments in the crypto currency space will catapult any financial organization to the forefront of tech enabled wealth management. 

When it comes to fraud detection, look no further than Charm Security. Their agentic fraud fighters are on constant vigilance and looking for fraud trends at every turn.

At LendAPI, we look at ourselves as an orchestration platform that ties all agentic workers and human workers together. We have a vast network of partners that provides data, intelligence and decisioning power for all types of financial products. We’ve built automation workflows that’s specifically designed to launch new financial products easily and safely.

Over the past years, LendAPI has processed over 150 million credit applications. These applications range from all types of embedded finance products. Boats, Auto, Home Improvement, Health and Real Estate verticals. We continue to bring on even more partners in the future that specifically addresses the need in merchant onboarding and access, consumer relationship management as well as merchant payment processing.

The Next Frontier of Embedded Finance

This award nomination is a testament to the importance of indirect financing and all of the technology involved to make indirect financing easier for banks and credit unions to explore.

Our LendAPI orchestration platform created multiple “spaces” for applicants, merchants, administrative staff from the credit unions and financing partners to access the same information in real time.

More over, LendAPI’s platform is a DIY platform where product, engineering, risk management and compliance officers can login and design or modify products, build and change risk management rules and policy and manage all of their consents, contracts and promissory notes in one spot.

We have a space for everyone in the organization to build together without having to wait for heavy requirements sessions, engineering prioritization and heavy bills from vendors that could take a long time to implement changes. LendAPI changed how people design and launch financial products forever.

As we venture into expanding embedded finance platforms into the private labeled space for mass affluent product and services, the clients we are working with are experts in their fields but lacks technology, compliance, legal and risk when it comes to lending. We made that easier as well. We are partnered with licensed lenders and financing partners to completely outsource these tasks.

We can build a unique financing product, completely white labeled and suited for the merchant’s specific needs. Giving control back to the merchants is the new wave of embedded finance. Every merchant’s workflow and risk tolerance is different and it requires a different type of platform to provide the maximum flexibility for merchants to manage their own risk tolerance and work with their financial partners in real time. The era of one size fits all pure-play lenders is over.

Thank you to Banking Tech Awards USA

We want to extend our gratitude to our fellow nominees and Banking Tech Awards USA for being part of everyone’s success and a nod to embedded financing core infrastructure. We want to invite all of our friends in New York City and around the world to attend the award ceremony and celebrate everyone’s hard work in 2026.

We also want to thank all of our 35 team members that worked day and night on this platform. Our engineers, product managers, project managers and sales staff are always on the look out for new technology that can benefit our clients to make them move faster and expand their field of membership. Thank you!

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.