LendAPI is a super-orchestration platform where banks, fintechs, and retailers can instantly launch any embedded finance product. With LendAPI’s Loan Origination System (LOS), clients can build any customer onboarding experience through a state-of-the-art self-serve platform.

In combination with our high-performance rules builder, model runtime environment, and decision engine, banks and lenders can rest assured that speed and accuracy are at the core of LendAPI’s Loan Core.

Recently, LendAPI announced Embarc, a brand-new Loan Management System (LMS) that serves as a critical pairing to our Loan Origination System. Together, our LOS and LMS form a complete embedded lending solution designed for the future of finance.

“When we ventured out to do this, our plan was to bring a brand-new Loan Core to the banking industry—one that enables institutions to launch products quickly. Along this journey, we’ve worked with lenders, embedded finance providers, and directly with retailers. The need for a customizable, easy-to-use, and DIY platform is greater than ever.”
— Timothy Li, Co-Founder and CEO of LendAPI

LendAPI was recently honored with the “Best of Show” award at Finovate Fall 2025 in New York City. We are grateful for the audience’s recognition and excited to make an even greater contribution to the embedded finance industry.

This week, LendAPI officially surpassed 50 million credit applications processed—an impressive leap from the 40 million milestone reached in August 2025. Our credit decision engine, built from the ground up, is rated to process millions of transactions daily. We’re eager to see how our technology continues to scale and take on new challenges.

LendAPI remains at the forefront of fintech innovation. With our Doc AI product, lenders can scan documents during onboarding or post-origination and convert them into human- and machine-readable formats for deeper analysis and automation.

In addition, our newly launched SMS Platform empowers clients to text directly with their applicants on their mobile devices—taking customer relationship management to the next level.

We’re looking forward to the next milestones ahead and want to extend our heartfelt thanks to all our clients, partners, and supporters.