•
•
July 22, 2025 — Dallas, TX & Irvine, CA
When Vivek Kumar founded RapidFi, his vision was clear: make healthcare financing accessible to millions of Americans struggling with high insurance deductibles. For too many families, unexpected medical expenses mean hard choices — often delaying care or falling into debt. RapidFi set out to change that with a mission-driven lending platform focused on easing the financial barriers to urgent medical treatment.
But bringing a fintech lending product to market is no easy feat. Most startups face steep challenges — navigating compliance, managing underwriting risk, building integrations for identity verification, and ensuring data security. For RapidFi, speed was essential. They needed to launch, iterate, and prove their model in months — not years.
That’s where LendAPI came in.
Building a Mission-Driven Fintech — Fast
LendAPI’s LOS Builder gave RapidFi a turnkey platform to design, deploy, and manage its lending product without traditional engineering bottlenecks. With a full suite of tools — including Rules Studio for underwriting, pricing engines, KYC/KYB verification, fraud detection, and embedded compliance — RapidFi was able to launch its product in under 60 days.
What would typically take a year or more of custom development was accomplished in weeks.
“LendAPI gave us a platform that let us move at the speed of our ambition,” said Vivek Kumar, CEO of RapidFi. “In a matter of weeks, we had a live product, not a prototype — real customers, real results. That kind of speed to market changed the game for us. It meant we could focus on building provider partnerships and serving our customers without being slowed down by technical debt or regulatory hurdles.”
The Power of DIY Fintech Infrastructure
RapidFi took full advantage of LendAPI’s “Do-It-Yourself and Launch-Yourself” model. Using the visual Rules Studio, their business and product teams could adjust underwriting models, tweak pricing, and iterate credit policies — all without writing a single line of code.
With compliance, security, and audit trails built into the platform, RapidFi didn’t need to invest in separate infrastructure or expensive legal oversight for every change. This flexibility let them stay nimble and customer-focused while still operating within regulatory guidelines.
“RapidFi is exactly the kind of startup we built LendAPI for,” said Timothy Li, Co-Founder and CEO of LendAPI. “Fintech founders shouldn’t have to spend years and millions of dollars on technology, compliance, and risk infrastructure. We built LendAPI so companies like RapidFi can launch faster, pivot smarter, and scale securely — all while staying laser-focused on the problems they’re solving for their customers.”
Real Impact for Real People
RapidFi’s lending solution tackles a growing national issue. With rising deductibles and out-of-pocket costs, millions of Americans are forced to delay or forego critical medical care. By giving patients the ability to finance deductibles with flexible repayment options, RapidFi is breaking down those barriers — helping families get the care they need without added financial stress.
The partnership with LendAPI has allowed RapidFi to not only launch quickly but also position itself for rapid growth. With a focus on patient access and healthcare provider partnerships, RapidFi is poised to expand its reach and impact across the country.
Looking Ahead
The RapidFi story is a blueprint for a new generation of fintech founders — proving that mission-driven innovation doesn’t have to be slowed down by legacy systems, regulatory complexity, or lack of technical resources. With the right infrastructure partner, companies can move faster, serve more people, and build meaningful solutions to real-world problems.
For LendAPI, this partnership reflects the core of its mission: empowering builders to launch transformative financial products that make a difference.
As RapidFi scales, its collaboration with LendAPI will continue to power its growth — ensuring that millions more Americans have access to the financing they need, when they need it most.
About LendAPI
LendAPI is a leading fintech infrastructure company based in Irvine, California, empowering financial institutions, fintech startups, and enterprises to build, launch, and scale lending products with unmatched speed and flexibility. With its no-code LOS Builder, embedded compliance, Rules Studio, and integrated risk management tools, LendAPI provides a comprehensive platform for organizations to originate and manage loans securely, compliantly, and efficiently — all without heavy engineering resources. Founded in 2024, LendAPI is redefining how financial products are brought to market.
About RapidFi
RapidFi is a Dallas-based financial technology company focused on solving the healthcare affordability crisis in the United States. Founded in 2024 by Vivek Kumar, RapidFi’s mission is to provide patients with flexible, transparent financing solutions to help cover high insurance deductibles and out-of-pocket healthcare costs. By partnering with healthcare providers and leveraging innovative financial technology, RapidFi aims to remove financial barriers to care — empowering individuals and families to access the treatment they need, when they need it.