Irvine, CA - Dec 5th 2025 - LendAPI, Inc, an Irvine, CA fintech software company reporting more than 70 million credit applications processed since inception. Previous LendAPI broke an all time record at 50 million back on Oct 10th 2025.

LendAPI’s growth stems from a modular architecture where its Loan Originations System as well as its Loan Management System can be utilized separately and in combination. Major functions such as decision engine, document scan/extraction can all be utilized independently through webhooks and API calls.

Our clients utilize all and parts of our platform at will to suit their needs. This modular approach extends the maximum flexibility to banks that want to launch brand new products, replacing their legacy systems such as MeridianLink or simply needing a brand new decision engine to process information from a variety of different places.  

LendAPI’s FinTech Marketplace serves that purpose. We have close to 300 marketplace partners and recently LendAPI has announced its 2025 Partner of the Year awards to key players in the Fraud, Credit, Payments and Compliance category. These winners represent the best of the breed and support our common clients to launch new products and replace legacy systems.

We predict that in Q1’2026, we will surpass 100 million transactions processed. These transactions consist of complex workflows, credit decisioning processes, machine learning models as well as risk based pricing in concert with multiple third party calls that completes pivotal credit decisioning for banks and fintechs.

Most recently, LendAPI launched its embARC Loan Management System which serves as the central nerve systems for embedded financing and point of sale financing lenders. To follow more of our development, please visit our changelog.

“We are really proud of what we've accomplished with our clients and partners. We are blessed to be a big part of the overall lending space competing head on with legacy players that've been around for over 20 plus years. 2026 will be a critical moment for LendAPI as we work with Credit Unions and Regional Banks on advancing their lending technology needs.” - Timothy Li, CEO Co-Founder of LendAPI.

About LendAPI

LendAPI is a fintech infrastructure platform that enables fintechs, banks, and financial institutions to rapidly launch and scale embedded lending products. With a powerful Decision Engine and a no code configuration interface, LendAPI gives companies complete control over underwriting, verification, disbursement, and servicing workflows. Organizations use LendAPI to launch lending products in weeks, streamline operations, reduce vendor dependencies, and maintain strong control over risk and compliance. Please visit www.lendapi.com for more information.