Platform News:

We’ve been extremely busy launching a national retail chain with their own in-store financing replacing Affirm, Klarna and Snap Finance. We had a successful install in 50 retail stores around the country. We are extremely proud of our execution. From apps to payments, we handled it all flawlessly. Our team of project managers, engineers and product managers all worked in concert with our retail and lending partners to get this incredible project accomplished in less than 3 months.

This new platform release was released into production back on November 25th, 2025 and we didn’t get a chance to publish this until now. For that we will reflect amongst ourselves and do better next time.

We are also celebrating our “Partner of the Year” Award. This year, we are awarding 4 award recipients in the Fraud Detection, Credit Reporting, Compliance and Payments. The awardees are AtData, Equifax, CompliSun and Integrity Payments Group. These four companies ranging from startups to 126 years in company history represent the finest amongst our partners. Their dedication to their craft and attention to our common clients really set them apart from the rest and helped LendAPI to thrive at the same time. We really appreciate these four companies and we are looking forward to working together with them in 2026 and beyond.

There is a new Changelog section of our website as well for you to browse through. We are separating news, press releases and our perspectives away from changelogs and other technical updates in a different place to allow you to find information easily.

Platform Update: Changelog v3.0.6

LendAPI is a loan core now with a  full featured Loan Originations and Loan Management System. In the coming weeks, we will have a combined release notes between our LOS and LMS platforms. Our versioning with our embARC LMS will start at v1.0.0 and look out for that release note sometime in late December 2025.

For now, we are going to focus on a few updates on our LOS or Loan Originations System updates.

LeadGen v2.1

We enhanced the logging process in the lead buying feature so every major movement of the platform is properly logged. You can retrace our steps and monitor your campaign activities as information flows through the system.

Agent Dashboard

We spent a lot of time hardening the Agent Dashboard with enhanced filters, dispositions relating to Five9 integration. Application tagging as well as user assignment is also enhanced to make administrators lives a little easier and more automated. These enhancements have all been released into production.

Model Studio v2.0

Credit risk modeling and model runtime environment is central to our platform since day 1 and we get a lot of uses from this piece of our platform. So we took some time and enhanced our credit risk model runtime environment by hardening how derived variables are constructed, how derived variables and model versions are handled. We also enhanced metadata caching capabilities with timestamps and versioning.

We also enhanced the user experience around our model studio 2.0 with significant improvements in reliability for analytics, pricing and complex rule authoring. When data scientists and credit risk modelers work within our platform, they will have a much easier time to build and launch their credit risk models without having to bother technologists.

Email & SMS Templates

Customer communication remains a key feature of our platform. Whether we are sending an adverse action notification email or use one of the SMS templates to send a direct text message to our clients, we want to make these features and functionalities even more configurable.

We made enhancements in this release to enhance the template body rendering. We also improved email deliverability and put in proper filters for system-generated email and sms templates. We also leverage Tagging within the templating process to send emails and SMS with filters and categorization.

Security and Compliance Updates

We’ve implemented TLS 1.2/1.3 enforcement. We also implemented secure cookie handling (httponly, SSL-only). We also implemented rate limits on login and forgot-password routes and various other security enhancements to the overall platform for everyone to enjoy.

embARC LMS

As we’ve stated before, our Loan Management System’s changelog will be published in the coming weeks but for now our current release in the Loan Management System consists of the following:

Delinquency Bucket Definition - We’ve been working on this tool for you to define your own delinquency bucket for ultimate control. This is released in our current embARC LMS build.

Promise to Pay - We’ve also been working on the Promise to Pay workflow where an agent can log a promise to pay feature to register, approve and track promise to pay requests from slow and late payers.

Lastly, we worked on Look Up value functionalities as well as our Edit functionality in a variety of places in the Loan Management System features. 

And let’s not forget the Counter-Party management functionalities where the loan disbursement can be paid out to a variety of different vendors and entities involved. This is a popular feature in construction, home improvement and supply chain financing where multiple parties are involved and need to be paid out.

What’s Next?

We are refactoring the rest of the platform to bring those features up to code with our new UX design guidelines as well as UI refreshes. We will also bring DocAI and our Document Management system closer together. In addition, we will fuse our LOS and LMS together in a more intimate way.

In 2026, we will go head on and compete with MeridianLink and start replacing legacy systems with our modern, DIY loan core. We will begin this process with banks and credit unions.

There are also a few verticals that we’ve been focusing on and getting ready to take over. Indirect Auto and Mortgage are two industries that we will be focusing on in 2026 and we have clients waiting for us to finish integrations with RouteOne & DealerTrack (Cox Automotive).

Looking out for a monster growth year at LendAPI and thank you all for being part of this journey.

About LendAPI

LendAPI is a comprehensive Loan Core that helps banks, credit unions, fintechs and retailers to launch any embedded finance products instantly. Start a free trial at www.lendapi.com. Follow us on Linkedin.