Over the past two decades, a quiet revolution has completely transformed how human beings interact with money. Fifteen years ago, opening a bank account required a physical trip to a local branch, applying for a credit card meant filling out paper forms, and starting a small business loan application took weeks of waiting.

This is a big one. The headline of v3.2.6 is LendMCP — a way to plug the AI agents you already use directly into LendAPI, so they can read an application, run a decision, and move work forward on your behalf. Alongside it, Flow Builder gets loops, email reminders learn when to stop, notifications get sharper, and the whole platform got noticeably faster. And on the servicing side, EmbARC adds revolving credit, daily advance payouts, and a new tenant-onboarding experience.

Fintech platform expands executive sales leadership to drive next-generation Loan Origination, Decision Engine, and Management Software solutions.

Chosen from a record pool of over 120 submissions, LendAPI will present its digital decisioning and origination platform to nearly 70 credit union leaders at the FiLab Symposium in Kansas City.

Modern credit decisioning just leveled up. LendAPI has officially launched VantageScore® 5.0, available instantly across our Loan Originations (LOS), Loan Management Systems (LMS), and automated Decision Engine through our strategic partner, Equifax.

LendAPI is proud to be the first reseller bringing VantageScore® 5.0 straight to your fintech workflows, enabling faster onboarding and sharper underwriting decisions from day one.

Industry Leader Brings Extensive Business Development and Strategic Partnerships Expertise to Scale LendAPI’s Enterprise Growth

This release closes the gap between your decisions and your team. In LendAPI v3.2.5, your decision flows can now hand work to the right person as a guided task, and you can re-run underwriting the moment new answers come in — no waiting, no manual chasing. Your branding now flows through every corner of the borrower experience, right down to each sub-account. And EmbARC v1.1.2, our loan management system, makes onboarding a new client dramatically faster with a brand-new Tenant Management System, alongside a refreshed servicing workspace. Automation that knows when to bring in a human — and a platform that scales with you.

IRVINE, CA – LendAPI, the leading cloud-based fintech lending orchestration platform, today announced the appointment of Dima Voronkov as its inaugural Creative Director. In this newly established role, Voronkov will spearhead LendAPI’s visual creative vision, overseeing all 2D, 3D, and video design initiatives while building a unified, high-impact brand voice for the company and its executive leadership team.

IRVINE, Calif. — LendAPI, the leading digital onboarding, loan origination system (LOS), and credit decision engine platform, today announced the appointment of Ian Angkiangco as Vice President of Compliance. In this role, Ian will oversee LendAPI’s regulatory compliance framework, lending licensing strategy, vendor onboarding and monitoring protocols, and end-to-end risk governance across the Banking-as-a-Service (BaaS) and Lending-as-a-Service (LaaS) ecosystems.

IRVINE, CA — LendAPI, the leading digital onboarding and lending platform, today announced the promotion of Kay (Kaiyu) Feng to Senior Vice President of Product. As a foundational team member who has been with LendAPI since day one, Feng has played a pivotal role in driving client success and directing the company’s product roadmap, personally overseeing more than 50 client installations alongside her team.

This release is all about keeping your team in the loop and moving. LendAPI v3.2.4 brings a real notification system to the dashboard, teammate mentions inside application notes, a contract editor that shows you exactly how a document will print, and fuller control over your brand. EmbARC v1.1.1, our loan management system, makes getting paid easier with one-time payment links you can send straight to a borrower. Less clicking around, less back-and-forth, more done.

IRVINE, CA — LendAPI, a leading fintech infrastructure and digital onboarding platform, today announced the appointment of Scott Snowden as Director of Strategic Accounts. In this key leadership role, Snowden will oversee enterprise client relationships, drive strategic account expansion, and scale key partnerships across banks, credit unions, auto lenders, and fintech platforms leveraging LendAPI’s credit decisioning and workflow engine.

Recognition at the world’s premier fintech showcase highlights LendAPI’s rapid growth, relentless innovation, and revolution in digital onboarding and loan origination.

At LendAPI, building a modern lending product requires a seamless ecosystem of data, intelligence, and infrastructure. Today, we are proud to feature four outstanding FinTech partners: CRS Credit API, PayNet (an Equifax Company), Spinwheel, and LoanPro. Their integrated technologies empower lenders to automate underwriting, analyze commercial risk, manage consumer debt, and run scalable loan servicing operations.

IRVINE, Calif. — We are thrilled to announce that Sarvagya Agrawal has joined LendAPI as a Software Engineer, dedicated to driving innovation on our flagship embARC Loan Management System (LMS) team!

As LendAPI continues to power the next generation of fintechs, banks, and non-bank lenders with our full-stack orchestration platform, Sarvagya brings a wealth of engineering talent, deep technical vision, and a passion for building scalable, high-performance systems.

Welcome back to our partner spotlight series! Building a resilient and innovative financial technology landscape takes a dedicated village, and we are incredibly proud of the robust network we are cultivating here at LendAPI. We are thrilled to continue showcasing the next four incredible partners that power our ecosystem. These industry leaders are instrumental in helping our clients build, launch, and scale exceptional financial products, and we are excited to dive into what makes each of them so valuable to our platform.

We are absolutely thrilled to welcome Chris Harris Edmond to LendAPI as our newest Product Intern. LendAPI's FinTech Orchestration Platform has been widely adopted by banks, credit unions, fintechs, and retailers alike to drive their lending growth strategies. As our platform continues to grow rapidly, bringing on fresh and innovative talent like Chris is essential to helping us scale and elevate our product offerings.

This release makes life easier at both ends of a loan. LendAPI v3.2.3 takes the pain out of the paperwork — contracts you can work on before you send, a cleaner way to collect and review documents, and smart checks that stop the wrong file before it becomes a problem. EmbARC v1.1.0, our loan management system, grows into a full servicing platform — sell and buy back loans, connect related accounts, remind borrowers automatically, and run compliance checks in one place. Start a loan in LendAPI, service it through payoff in EmbARC. One connected journey.

Welcome back to our partner spotlight series. In the modern digital lending space, no platform operates as an island. True innovation comes from how seamlessly different systems communicate with one another. Today, we are looking at four partners coming from entirely different sectors of the fintech ecosystem—PortX, Oscilar, Rutter, and Vergent LMS and exploring how they solve some of the most complex challenges lenders face today.

At LendAPI, our roots run incredibly deep in the small business lending and Merchant Cash Advance (MCA) lending space. We understand the rapid pace, high stakes, and vast data requirements that define commercial finance today. As small business lenders scale their operations, the need for instantaneous, precise decisioning becomes absolutely critical. To support this growth, we are continuously expanding our emerging partner ecosystem to integrate platforms that remove friction from every step of the financial lifecycle.

As highlighted in our recent announcement graphic, "LendAPI Celebrates New Integrated Parnters - Baselayer, Xactus, Ocrolus, Middesk.", we are incredibly proud to welcome four new powerhouse integrations to our marketplace. Here is our perspective on how these partners are transforming the digital lending landscape.

Irvine, CA — July 15, 2026 — LendAPI is thrilled to welcome John G. Warner III, MBA, CUDE, CCUFC, to our rapidly growing Credit Union team. As part of our core mission to help credit unions build financial products instantly, John’s arrival marks another major milestone in our commitment to the credit union movement. We have made significant inroads bringing on new credit union clients and Credit Union Service Organization (CUSO) partners, and John will be pivotal in accelerating this momentum.

We are thrilled to announce a major addition to our growing engineering family! Please join us in giving a warm welcome to Kamal Rathi, who has officially joined LendAPI as our new Backend Software Engineer.

As LendAPI continues to experience rapid growth, our footprint is expanding globally. To support our clients across all time zones and ensure we provide the best, most seamless support possible, we are actively scaling our team. This expansion is crucial for maintaining the high-performance standards of the mission-critical platform we’ve built—a platform that financial institutions rely on every single day for their core operations.

With clients counting on LendAPI 24/7, Kamal’s deep expertise in building high-scale, ultra-reliable backend systems is exactly what we need to power our next chapter of growth.

When we set out to build LendAPI, our mission was simple yet highly ambitious: to enable lenders, banks, and platforms to launch fintech products faster than ever before. But speed is not achieved in a vacuum. We realized early on that to truly deliver on this promise, we could not build a closed system. We do this because our goal is to launch fintechs and bank products as fast as possible, and we cannot do this alone. We need more integrated partners joining us. These newly emerged partners represent the most innovative and needed systems that our common clients demand.

To help our clients launch digital banking products, instant commercial onboarding, and bespoke credit products, we require a highly integrated, deeply collaborative partner ecosystem. Today, we are taking a closer look at four essential partners: HubSpot, GoHighLevel, Carleton, and Cellery. We are showcasing how their specialized technologies are helping modern lenders scale safely, automate effortlessly, and launch unburdened by legacy technology constraints.

At LendAPI, we are incredibly proud to be building one of FinTech’s fastest-growing ecosystems, driving innovation forward alongside our exceptional partners: CRS, PayNet, Pinwheel, LoanPro, Prism Data, Checkbook, DataX, Flinks, PortX, Oscilar, Rutter, Vergent, Ocrolus, Xactus, Baselayer, Middesk, HubSpot, Carleton, Cellery, and HighLevel. Every single day, millions of transactions are processed across our platform as our clients build, launch, and scale modern financial products. Central to this success is the seamless onboarding and native integration experience enjoyed by our common clients, allowing financial innovators to connect with the data and tools they need in a matter of clicks.

We built LendAPI with a single clear mission: to enable lenders and platforms to launch fintech products faster than ever before. But speed isn't achieved in a vacuum. We cannot deliver this agility without the deep collaboration of our incredible data and technology partners, especially the emerging, cutting-edge providers coming online today. This week, we are thrilled to honor 20 exceptional emerging FinTech partners who are transforming the landscape of digital lending, onboarding, and data intelligence.

In the fast-moving world of fintech, the battle against fraud and portfolio risk isn't won at the underwriting finish line—it’s won at the front door. As consumer demand reaches historic highs, the necessity for robust lead generation and intelligent lead filtering has never been more critical. Every time an application enters your pipeline, you are making a high-stakes calculation. How do you spot top-tier credit demand before your competitors do, while keeping out sophisticated bad actors?

Today, we are highlighting the four true stalwarts of the LendAPI FinTech Marketplace: MaxMind, AtData, ScoreMyCash, and Experian.

As our top four integration partners by volume, these powerhouses provide an impenetrable front-door screening system and unmatched portfolio-scaling capabilities for forward-thinking lenders.

Yesterday, we kicked off our celebration of the incredible partners driving the fintech ecosystem forward. Today, we are thrilled to continue our countdown by honoring the next four phenomenal companies in our Top 20 Partners list: Accelitas, Equifax, TransUnion, and Edge.

At LendAPI, our mission is to build a seamless, agile, and powerful lending infrastructure. That mission wouldn't be possible without deep integrations with the industry’s most trusted data, identity, and credit intelligence providers.

In the rapidly evolving world of digital lending, relying solely on traditional credit scores is no longer enough. To build an agile, inclusive, and highly profitable lending operation, financial institutions need a multi-dimensional view of risk, seamless operational workflows, and laser-accurate asset valuations.

Today, we are thrilled to honor four of LendAPI's outstanding integrated partners that are making this possible: Pave (Partner #9), Answers Etc. (Partner #10), J.D. Power (Partner #11), and Totality LMS (Partner #12).

In our previous feature on LendAPI’s strategic integration partners, we explored how a unified ecosystem drives smarter, faster lending decisions. Today, we are shining a spotlight on positions 13 through 16 in our marketplace ecosystem. This powerful cohort, comprising Plaid, Chirp, Decision Logic, and ValidiFi, sits squarely at the center of the open banking, bank account validation, and cash flow analytics revolution. Together, these partnerships allow our common clients to instantly verify identities, analyze health indicators, and mitigate risk at the point of underwriting.

IRVINE, CALIFORNIA — LendAPI, the leading provider of core infrastructure for embedded finance and digital lending solutions, is proud to announce the appointment of Vivek Raj Singh as the company’s newest Product Designer. Based at LendAPI’s headquarters in Irvine, California, Vivek brings over four years of extensive, hands-on experience crafting highly intuitive, high-impact digital experiences across fintech, software as a service (SaaS), and consumer platforms.

Industry leader with 20+ years of experience joins executive team to accelerate first-party BNPL and Point of Sale financing solutions.

At LendAPI, we believe that a truly robust Loan Origination System (LOS) and Loan Management System (LMS) is only as strong as the ecosystem surrounding it. While our platform provides the core architecture for automation and decisioning, our integration partners supply the specialized capabilities that allow our clients to excel in a crowded financial landscape.

In our recent celebration of our top 20 integration partners, we highlighted the diverse array of tools that power LendAPI customers. Today, we are pulling back the curtain on four vital partners, PSCU/Velera, Prove, DocuSign, and USIO, to explore how their specific functionalities integrate seamlessly into our platform to solve complex operational challenges.

A Decision Engine is the intelligence layer that turns application data, credit policy, risk models, and operational rules into a consistent lending decision. Instead of hard-coding logic across spreadsheets, LOS configurations, manual reviews, and one-off integrations, lenders use a Decision Engine to centralize how approvals, declines, pricing, stipulations, and next-best actions are determined.

For banks, credit unions, fintechs, and embedded finance platforms, the value is not just automation. It is control: the ability to change strategy quickly, explain decisions clearly, and improve performance without rebuilding the entire lending stack.

Every great lending product is built by an ecosystem. Today, we’re celebrating the 20 integration partners our customers use most across LendAPI by transaction volume, including the data providers, verification platforms, cash flow analytics tools, payment rails, servicing systems, document workflows, and infrastructure partners that help lenders move faster with confidence.

These partners help LendAPI customers launch, underwrite, verify, sign, service, and scale modern lending products. Without them, it would be dramatically harder to build high quality lending experiences quickly.

v3.2.2 is about giving you more control over every layer of the platform — how workflows run, how data is structured, how applications are tracked, and which partners you can bring in. Flow Builder gets parallel execution and smarter testing. Model Studio adds structured JSON variables. Application stages are now yours to define. And the partner ecosystem grows with CLEAR, LoanPro, and Figure AI.

We are thrilled to officially announce that Hayley Zhu has joined LendAPI as our 2026 Data Science Intern!

Hayley is currently pursuing her degree in Data Science at the University of California, Berkeley. She brings a strong academic foundation and a passion for turning complex datasets into actionable strategic insights.

At LendAPI, we are always looking to the future, not just in terms of our product and technology, but in the talent we bring into our ecosystem. Today, we are thrilled to officially welcome Wyatt Settle to the team as our 2026 Summer Intern!

Wyatt comes to us from the University of California, Santa Cruz (UCSC), where he is currently pursuing an intensive degree in Theoretical and Computational Mathematics.

IRVINE, CA — LendAPI, the leading provider of no-code digital onboarding and embedded finance solutions, is thrilled to announce the addition of Jeffrey Zhu to its 2026 summer internship cohort. Jeffrey, a standout computer science undergraduate at the University of Washington’s prestigious Paul G. Allen School of Computer Science & Engineering, joins LendAPI with an exceptional background in engineering, algorithm design, and autonomous systems development.

IRVINE, CA — LendAPI is thrilled to officially announce the addition of Arish Sunkireddy to our team as an Intern for the Summer 2026 cohort! Arish joins us during an exciting period of growth as we continue to scale our no-code digital onboarding and decisioning platform.

IRVINE, CA — LendAPI is thrilled to announce the arrival of our newest cohort for the 2026 Summer Internship Program! This year, we continue our tradition of bringing together the brightest young minds from top global institutions to collaborate, innovate, and drive the future of digital decisioning and fintech orchestration.

Among our standout business and analytics minds this summer is Adya Dua, a brilliant BSc Economics and Finance scholar representing Ashoka University.

This release makes your application builder faster and easier to work with, connects your origination pipeline directly to Salesforce, and expands the partner ecosystem with new integrations spanning loan management, open banking, income verification, and compliance. If you're building borrower-facing flows or routing applications through a lender marketplace, there's something meaningful here for you.

We just shipped LendAPI v3.2.0, a release focused on helping lenders make better credit decisions, run smarter time‑based workflows, and tighten the last mile of contracts and communications. From tradeline controls and joint pulls to a true Delay node in Flow Builder, this release gives underwriting and product teams a lot more room to design the experience they actually want.

IRVINE, CA — May 29, 2026 — LendAPI, a leading provider of digital product orchestration and credit decisioning platforms, today announced the appointment of financial services and FinTech veteran Brian Kerssies as Vice President of Credit Union Alliance and Ecosystem Success. In this strategic role, Kerssies will lead initiatives to expand LendAPI’s credit union integrations, cultivate key ecosystem alliances, and help Credit Union Service Organizations (CUSOs) optimize digital infrastructure and member acquisition frameworks.

Remember when we said “there’s an app for that.” signifying the prevalence of mobile apps and the pervasiveness of trying to simplify everything into an app. And that all of our problems, big or small, can be whittled down to an app that can make our lives easier.

That phrasing was passed around since 2009 and of course Apple Inc. coined the term as a direct appeal to the consumers that owning a phone is secondary, but having all the apps on that phone to solve all your problems are the primary reasons you should join the Apple ecosystem.

Embedded financing is a 1 trillion industry by 2030 and as technology and data infrastructure matures enabled by A.I., the industry is taking off at an even faster rate. Consumers' adoption to point of sale financing and new generation’s shopping behavior is fueling the growth of online and brick and mortar sales.

IRVINE, CA — LendAPI, the leading provider of fintech orchestration solutions, today announced a significant enhancement to its technical leadership and product delivery capabilities with the appointment of Prati Tembhre as the company’s new Quality Assurance Engineer. Tembhre brings half a decade of deep expertise in software test automation, API validation, and high-performance applications to the LendAPI team.

We have a ton of new features in v3.1.9 and chiefly we have a new contract builder that’s pixel perfect. What we mean is that whatever you design from the new contract builder is what it will appear on the PDF rendition of the final contract. Most of the legal contracts need to be in a specific format form design to sign and we finally made it possible.

We have heard your pain points and we are doing something about it. We want to launch a product that requires zero friction. Introducing LendAPI Ready-Made Products. You will never have to worry about technology or expertise to launch new products. We got the biggest three issues revolving technology, data and compliance solved once and for all.

We’ve launched a large client in the marine equipment financing space. We are grateful for the partnership. We’ve attended several conferences and group outings. We presented at NACUSO, we hung out with Moov and Jack Henry in Miami and we finished off the spring conference season at Online Lender’s Alliance conference in Las Vegas. We are looking forward to AFSA, Money 2020, Finovate Fall and FinTech Futures Award ceremony later this year. We are also actively hiring folks in the areas of Engineering, Product Management and Design, make sure to check out our career page.

We are proud to announce a pivotal moment in LendAPI's growth journey: the appointment of Vy Li as our inaugural Chief People Officer (CPO)!

Irvine, CA – April 26, 2026 — LendAPI today announced the promotion of Sarthak Tandon, a foundational member of the company, to its executive leadership team. Tandon's elevation recognizes his instrumental contributions to the company’s technological and organizational growth since its inception.

Sarthak Tandon has been with LendAPI since day one and has served as Sam's key partner through multiple projects. The company has consistently depended on Sarthak's formidable engineering capabilities, coupled with his strong interpersonal and management skills. He successfully managed LendAPI’s team in Delhi for many years, helping to build a critical branch of the organization.

We had our board meeting this past week and we feel like we are ready for the next stage of our growth. Our Head of GTM Bennett gave the board a whole new outlook in terms of our sales strategy, sales process and how we are defining our pipeline.

Irvine, California - Apr 24, 2026 - LendAPI, the premier platform for credit unions to become embedded financing players in weeks, is proud to announce the promotion of Aravind Hari.

Irvine, California, April 23rd 2026, LendAPI the leading embedded financing infrastructure announces the promotion of César Riano to Senior Project Manager. César has been an integral part of our Customer Success Team led by Kay Feng for the past 10 months of his tenure.

I am sitting down with Peter Renton right before this year’s FinTech Meetup to talk about the past decade of innovation through our lenses. The last time I spoke to Peter on his FinTech One on One podcast was 10 years ago in Shanghai, China.

LendAPI is proud to attend OLA Tribal Lending Conference second year in a row. We will be connecting with tribal leaders to further causes in economic empowerment, financial inclusion, and technological modernization.

LendAPI along with Cohort 4 what Curql Fund will be attending and presenting at 2026 NACUSO Reimagine Conference from April 27 - 30 in Lake Buena Vista, FL. We are excited for our current partners and new partnerships at the show.

Irvine, CA, April 15th 2026 - LendAPI, the fastest growing in embedded financing core infrastructure space has been nominated for “FinTech Startup of the Year” at 2026 Banking Tech Awards USA.

We are pleased to be part of this elite fintech startup ecosystem including Casca, Charm Security, InvestiFi, Oscilar and Spade. The NYC FinTech scene is at an all time high and with the prestige of the Banking Tech Awards nomination, we are excited and humbled.

Irvine, CA - April 14th 2026 - LendAPI, the core infrastructure for embedded finance announced today that it has surpassed processing 150 million credit applications to date. This significant milestone speaks volume to the speed, accuracy and reliability of our platform since inception in 2024. We’ve continued to provide market leadership in indirect financing in both product and services across a wide range of industries from automotive, marine equipment to mass luxury consumer goods and services. To reflect on this journey, we would like to thank our 300+ partners that made it all possible.

If you are not familiar with LendAPI, we are a core infrastructure company for embedded finance. And if this is your first time reading our platform updates, “...welcome”. We release code daily and we generally release a platform update with new features every other week. We’ve been doing this for more than two years now and we hold ourselves to the highest standards when it comes to pushing out new features, bug fixes and other platform enhancements. 

We continue to deploy groundbreaking features for our bank and credit union clients to build the best financial product and services. In this release we released a brand new core component to our platform, we are calling it “Flow Builder”, more on that later. We’ve also completely rewrote the code behind how end clients experience the product built by our platform. We’ve completely refreshed the underlying technology to make the application process smoother.

IRVINE, CA — LendAPI, the leading low-code digital operating system for financial services, is proud to announce the appointment of Henry Jones as the company’s new Director of Strategic Partnerships. Jones joins the leadership team at a pivotal moment as LendAPI continues to scale its robust FinTech Marketplace, which currently boasts over 300 partners and 120 active integrations.

LendAPI’s executive team is returning to FinTech Meetup for the second consecutive year to showcase the next generation of embedded finance. From March 30th to April 1st, we are inviting partners and innovators to witness how we’re making "do-it-yourself" lending a reality.

IRVINE, CA – March 24, 2026 – LendAPI, a pioneer in high-speed embedded finance solutions, is proud to announce the appointment of Bennett Krieger as the company’s first Head of Go-To-Market (GTM). With a career spanning over a decade in sales, marketing, and strategic business operations, Krieger joins the executive leadership team to spearhead LendAPI’s newly formed sales organization and accelerate its global market presence.

This week we signed another contract with an existing client to buy more from us. Specifically our Agentic Workforce product such as Doc AI. Doc AI scans and contextualizes any document to reduce the amount of manual review time for lenders and banks alike.

We are thrilled to announce that John Krieger has joined LendAPI as our newest Technical Project Manager! Reporting directly to our VP of Product, Kay Feng, John will be a driving force as we scale our solutions for embedded financial services, credit unions, and large enterprise institutions.

We are back this week from America’s Credit Union Conference aptly titled “Governmental Affairs Conference” in our capital city Washington, DC. We met with a ton of our clients, potential partners and hung out with Curql Fund’s limited partners and friends of the fund.

We learned a ton about credit unions and how they operate, their goals and aspirations. It made us even more proud of what we’ve been able to do for this space and provide cutting edge lending platforms for all types of lending activities. One of those lending products favored by Credit Unions is indirect auto lending and we are dedicating this new platform release entirely to auto finance. 

One of the leading spokespeople for our industry is Theodora Lau. If you aren’t following her on social media, I highly recommend doing so now. She is a proficient writer who frequently covers banking and financial services; her latest book, Banking on (Artificial) Intelligence, immediately caught my attention.

I kindly asked Theodora to send me a copy of the book which she granted my wish graciously and in return, I promised to write a book review of her latest volume.

This book was published around Q4 2025 and I am writing this review about 6 months after the publication of her book so perhaps I have some hindsight or advantage to observe the happenings in A.I. and our industry with respect to her writing. So much has happened in the past six months.

We are a week away from our second anniversary. Thinking through all of the accomplishments I am grateful for what we have accomplished. This week, we talked to credit unions, venture capitalists, potential investors and negotiating deals.

Embedded financing has been around for decades and it started as a layaway program where shoppers will start paying for the goods and services in reverse. Meaning that they will pay to the merchants until the full price of the product and services are paid before they receive the product and services.

With today’s technology, payment rails and the insatiable demand to push more product and services, embedded financing or BNPL (Buy Now Pay Later) is taking over the world but sometimes the interest between lenders and merchants are misaligned putting consumers in a precarious financial situation.

Credit cards have been around for over 70 years and there are about 18 billion cards world wide and just under a billion cards issued in the United States.

On average each adult in the US has four credit cards and over 80% of all adults in America have at least one credit card. 

This payment method has been the most pervasive payment method around the world until it’s been challenged by other modern ways of payment especially with the advent of internet and mobile phones.

When Sam and I first set out to build LendAPI, we had a clear vision, embedded financing was going to be all the rage in the next decade to come. From the very start, how we architected our platform from head to toe had to be different. 

Two years later, we are the only end-to-end “loan core” with international retail anchor clients on the market. Nothing of this scale has ever been attempted to disrupt a $500 billion global market.

We are pleased to announce that LendAPI has been selected amongst 5 companies as Curql Fund’s accelerator in Spring 2026. Curql Funds is the largest Credit Union backed venture fund bringing the latest technology to their 160+ credit union limited partners.

We are excited to be selected to participate in the 4th accelerator cohort amongst some of the brightest fintech companies in the United States.

What do we look for when we look at a Loan Management System? Simplicity? Flexibility? Speed? 

Honestly, we asked a lot of our LMSs or Loan Management Systems. There are some offerings out there that do the minimal or focus on a specific type of loan but lack flexibility when it comes to creating new loan types and for the modern world.

Today, we will talk about what we should expect from a modern Loan Management System and how it might single handedly change the world.

We had a busy few weeks expanding our footprint and launching new customers. At the same time, we visited our team in Delhi, India! The team got together and talked about the future of LendAPI, a family styled dinner as well as tone of group pictures and selfies. We will share that with you shortly.

We have some exciting news to share. We have been selected to be part of the most coveted startup accelerators with four other companies in the banking space. After rounds of interviews and pitches, we got in! We are keeping this under wraps and the news will be announced by the organizer in the next few weeks.

We are onboarding more credit unions and large embedded financing firms. We couldn’t be more thankful for these fine organizations to join our platform to reduce the cost of entry and increase their competitiveness with new product launches in record time.

Buy Now Pay Later is taking over the planet and for reasons that may not make sense to a lot of people. It’s not a phenomenon amongst the GenZ or young people, but people across all demographic spectrums are leveraging BNPL or Point of Sale financing to increase their buying power. Today we will talk about all the ins and outs of BNPL.

Customer communication is key to reduce fraud, stay compliant and maximize conversion rate. Banks, credit unions and lenders spend the majority of their budget on marketing and it’s time to focus on maximizing your marketing dollars with up to the minute communication with the applicants to keep them engaged. Having a customer portal which you can easily communicate and work with the clients is the key for banks and lenders alike

What a year it has been for LendAPI and our industry. We’ve seen a lot of changes in our industry this past year. There are some mega-trends such as private labeled point of sale financing led by major retail brands and how AI has completely changed the way we borrow and lend. We look back to the past 365 days and give an honest take on what we’ve built and what’s ahead.

LendAPI’s FinTech Marketplace is one of the most visited fintech marketplaces in our industry. We’ve collected over thousands views a day and both the network and popularity continues to grow.

IRVINE, CA — LendAPI, the leading provider of cloud-based digital banking and lending infrastructure, proudly announces it has officially crossed the milestone of 100 million credit applications processed through its platform. This achievement follows a historic surge in late 2025, where the platform reached a record-breaking peak transaction volume of 15 million applications per month.

Welcome to 2026! Our platform keeps on improving with the first release of the year. LendAPI v3.0.9 was released on January 8th, 2026, packed with some major features we can't wait to show you. We released a new way for lenders with complex negotiations to generate new contracts at will. We also added new features in our Rules Studio and Product Studio to give even more control on rules and collecting information on the application process.

We are heading towards the end of 2025 and our v3.0.8 platform update is the last release for this year. 2025 has been a great year for us and we released countless features to help banks, credit unions and fintechs alike to compete for US consumer’s insatiable demand for credit.

We are thrilled to announce that Ajaykumar "AJ" Burigari has officially joined the LendAPI team as a full-time Software Engineer at our Irvine, California headquarters!

AJ’s journey with us is a special one. He first joined the LendAPI family as part of our 2025 Summer Intern Program. During those months, he didn't just learn the ropes—he dove headfirst into our most complex fintech integrations. Having recently graduated from California State University, Fullerton, AJ is now transitioning into a full-time role where he will continue to drive innovation for our clients.

As we kick off 2026, LendAPI is moving at warp speed to redefine the embedded finance landscape. To fuel this momentum, we are thrilled to announce that Alen Kuriakose has joined us as our newest Full Stack Developer Engineer. Alen joins our U.S.-based engineering team at a pivotal moment as we scale our infrastructure to meet the surging demand for instant, no-code lending solutions.

2025 is coming to an end but we are still full steam ahead. We launched two new clients this past week and we are gaining momentum with one of our largest retail clients that are expanding into another 100 stores. More below…

Our entire team at LendAPI would like to thank all of our Linkedin followers for their support this year. We’ve doubled our team, doubled our customer base and reached several major milestones and we couldn’t have done it without the community we’ve built on Linkedin.

The United States is one of the biggest consumption based economies in the world. Based on the 2024 Capital One study, the total retail spending is over 7 trillion dollars. And according to the National Retail Federation, total consumer spending in the retail section is over 5 trillion dollars.

Client onboarding and platform enhancements dominate this week’s activities. Our new platform version was pushed out around Thanksgiving weekend and here are some of the happenings at LendAPI.  

We are proud to announce that LendAPI's processed over 70 million credit applications since inception, in less than 22 months.

FOR IMMEDIATE RELEASE

LendAPI Names AtData Partner of the Year: Fraud Prevention Category

FOR IMMEDIATE RELEASE: LendAPI Names CompliSun Partner of the Year 2025 — Compliance Category

Equifax Named LendAPI’s 2025 Credit Bureaus Partner of the Year. At LendAPI, we are proud to recognize partners who consistently go above and beyond to deliver value to our clients and the broader fintech ecosystem.

LendAPI is pleased to kick off its 2025 Partner of the Year recognitions by honoring outstanding contributors within the fintech ecosystem. This year, the Payments Partner of the Year award goes to Integrity Payments Group, a company that has demonstrated exceptional responsiveness, deep technical expertise, and a shared commitment to delivering excellence for mutual clients. This recognition reflects the strength of the partnership between both organizations and their continued dedication to elevating the fintech and banking community.

LeadGen or Lead Generation has been around for a couple of decades. Ever since the advent of the internet, advertising and marketing has been one of the dominant forces behind all of the ecommerce activities for the past 25 years. Banks, lenders and financial services have been relying heavily on online generated leads for decades and everyone desires a brand new way to control their lead follow, their lead buy strategies.

This past week, we onboarded two new clients. The power of LendAPI’s Embarc LMS in combination with our powerful DIY LOS is gaining traction and taking market shares from incumbent players that can no longer compete in today’s demanding environment. Today, we will update you on our new release and some of the key features that come with our v3.0.5.

In lending, communication is key. Whether you are talking to merchants that you are financing, or consumers you are working with, communication is at the center of everything that happens. And clear communication at every stage of the lending process is key to increase conversion, reduce charge offs and most importantly create customer loyalty.

The past two weeks have been packed with product releases, onboarding new clients and visiting at Money 20/20! We met with so many of our current clients, future prospects and hosted two executive dinners with EDGE and Spinwheel. To top it off, we have officially boarded one new client this week. With this great momentum, we are heading into November! We are locked in. 

Next week, our Q4 2025 Board Meeting will be held. This is the 4th board meeting since our seed round and the last one of the year. As some of the executives and myself are completing the board deck, I can’t help but admire the amount of work this entire team has been able to accomplish this year. We won awards, processed 50 million apps, 5x our team and made record breaking sales numbers. I can’t wait to see what we can accomplish in the next 2 months in 2025!

One of the biggest unknowns for a lender is how much financing an applicant is looking for and willing to pay. There are various strategies and approaches for lenders to ascertain this information. We will discuss why getting a solid idea of what the applicant wants is helpful in conversion as well as controlling for credit risk.

When it comes to managing co-applicant flow, it can get infinitely complicated. Do you ask for a co-applicant up front, or will the system create a sub application on demand or driven by risk management policies? At LendAPI, we are solving for all of these possibilities with a fully configurable tool.

We had a great time at Lend360 and met a ton of subprime lenders. Most of the exhibitors are on our marketplace which we are super grateful for. We hosted our executive dinner with clients, prospects, partners and advisors and we continue to develop our platform. We are blessed to be in the company of giants.

Irvine, CA — October 10, 2025 — LendAPI, Inc., an Irvine, California-based fintech company and the winner of Finovate 2025 “Best of Show”, has surpassed 50 million credit applications in less than 18 months.

This past week was absolutely nuts. Sam and I visited our bank client Atlanta and we had a great time talking about all sorts of things that the bank needs beyond going online. We learned a lot and showed off all the new bells and whistles we’ve built in the past year or so. We have so much more to share with you, read on.

Embedded finance is taking over FinTech by storm and LendAPI has been working on the forefront of implementing some of the most creative ways for banks, retailers and fintechs to bring embedded finance closer to point of sale.

Irvine, California – September 30, 2025 – LendAPI is proud to announce the addition of Ankit Kumar Singh as our newest Senior QA Engineer, further strengthening our commitment to excellence and innovation in the embedded finance space.

Irvine, CA – September 30, 2025 – LendAPI, the leading embedded finance platform, is proud to announce the addition of Yash Baranwal as a Software Engineer. Yash brings more than three years of experience in backend development, specializing in Django, Flask, React, and AWS, as well as a strong track record in building scalable backends and optimizing APIs.

Irvine, CA – September 30, 2025 – LendAPI is proud to announce that Priyang Joshi has joined the team as a Frontend Software Engineer, further strengthening the company’s engineering capabilities as it continues to expand globally and accelerate innovation in Embedded Finance.

Irvine, CA – September 30, 2025 – LendAPI is excited to announce the addition of Bun Thai Deng as a Software Engineer, joining our U.S. team under the leadership of Chief Platform Officer, Vishwas Babu. Bun brings more than six years of full-stack and backend engineering experience across fintech, insurance, and enterprise software. His expertise spans Java, C#, Angular, microservices, system design, Kubernetes, and secure API development, all critical skills in advancing LendAPI’s mission to deliver the most complete Embedded Finance technology solutions platform in the industry.

This week we had our company-wide quarterly offsite. This was our second offsite with a whole lot more people joining this time. We had our advisors and customers stopping by to say hi and we’ve made some major decisions to focus and double down on Embedded Finance. 

We began this week with a ton of recruiting activities. We are growing and the 81st week of our existence has a lot to celebrate. We released our next generation of our platform and it’s packed with new features, more on that to come. We also completed the next leg of our “”Freedom to Create” tour at LoanPro’s 2nd Annual Salt Flat Summit. Launching new clients and signing up new clients have become a weekly routine! 

LendAPI is the winner of Finovate Fall New York City 2025 “Best of Show”. We want to thank Finovate’s organizers and the Finovate audiences for voting for us. It was an incredible feeling to receive this honor and we are extremely grateful for our clients, partners, team members and our investors. This would have been impossible without your loving support. This award is your vote of confidence in our vision of “Launch any financial products instantly."

Everyone at LendAPI would like to congratulate all of the 60+ demo companies that showed up with their incredibly crafted platforms. From digital onboarding, wealth management, fraud detection and from personal loans to mortgages. The entire fintech demo line up represents the best of the best our industry has to offer.

Coming into New York City for Finovate Fall, I am hopeful and anxious at the same time. Getting in front of 500 banking executives with heavy backgrounds in technology and risk management is a nail biter to say the least.

As LendAPI continues its rapid growth and innovation in the fintech ecosystem, expanding our engineering team remains a top priority. Strengthening our backend capabilities is essential to scaling the platform and supporting the increasing demand from our clients and marketplace partners.

I had my 1:1 this week with our Marketing Specialist Hammad Azzemi. Hammad has been with me for 5 months now and he always makes LendAPI a priority and manages all aspects of our marketing strategies, technologies as well as working on forward thinking plans to promote our company and our brand. One thing he stressed in our one on one was our company culture. That made me think about our culture a lot. We are a software company, our goal is to give the best tools for banks to build awesome lending products. But to get there, it’s all about our people. Are we on the same page, do we understand our vision and realize our vision with a measured approach? We must take care of our people. 

Hey all, on this Labor Day weekend (US Only), we are laboring away with love on LendAPI which is turning v3.0.0. LendAPI is born out of an urgent need in the world to launch products and especially financial products quickly. We want to stamp out the ways of yesteryear where you must have 20 people and spend 2 years of life with 2 million dollars to build a decent product. With LendAPI, you can launch instantly. 

Irvine, CA – August 29, 2025 – LendAPI, a leading provider of digital onboarding and decisioning technology, today announced the addition of Carlos Ayala as its newest Sales Consultant, responsible for partnerships and business development across banks, credit unions, and fintechs.

Irvine, CA – Aug 29th, 2025 – LendAPI is excited to announce the addition of Vishal Chauhan as its newest QA Engineer, further strengthening the company’s commitment to delivering world-class onboarding and decisioning technology for financial institutions.

LendAPI, the leading decisioning and connectivity platform for modern financial services, today announced the appointment of Sharla Godbehere, a seasoned executive with more than 30 years of experience at Equifax, to its Advisory Board.

Did you know that LendAPI is a software company? We constantly have to remind ourselves. Even though we are in banking, finance, embedded as well as payment processing, we are fundamentally a software company working on a super orchestration platform that helps banks, fintechs and retailers to build, launch and optimize their business.

Irvine, CA - Aug 22, 2025 - LendAPI, a leading provider of digital onboarding solutions, has surpassed 40 million application processes representing a 400% growth since the beginning of 2025. Reaching 30 million applications processed 90 days ago, LendAPI is growing at an accelerated pace and crossed the 40 million mark today.

IRVINE, CA - August 19th 2025 – LendAPI, a leading fintech infrastructure provider empowering banks, fintechs, and retailers to launch financial products swiftly and at scale, today announced that it has joined the American FinTech Council (AFC) as a product member. This milestone underscores LendAPI’s commitment to fostering responsible innovation and expanding inclusive access to financial services across the industry. AFC champions transparent, customer-centric technology that promotes competition and serves underserved communities.

Irvine, CA – August 18th 2025 – LendAPI, the leading provider of next-generation decisioning and credit technology, is pleased to announce the appointment of Andy Ivey as Head of Decision Science Technology. Andy brings more than 25 years of software development and risk systems experience across financial services, insurance, and technology, with a deep specialization in decision engines and credit decisioning platforms.

Irvine, CA – August 18th 2025 – LendAPI, a leading provider of decisioning and embedded credit technology for financial institutions and fintechs, today announced the appointment of John Mulvey as Strategic Advisor, where he will provide critical guidance on risk management to CEO Timothy Li and the broader executive team.

Embedded Finance in the United States will be a $250+ billion dollar market by 2029. It will more than double its market share of $100+ billion from 2024. There are emerging players such as Klarna and Affirm offering technology and financing to fuel the growth of embedded finance for the past decade. In this article, we will dissect how embedded finance works and how you can stand up your own embedded finance platform with ease.

Irvine, CA – Aug 17th 2025 – LendAPI, the leading decisioning and integration platform for financial institutions and fintechs, is proud to announce the appointment of Colin Darke, CEO of CompliSun, as a Strategic Advisor. Colin brings more than two decades of legal, compliance, and fintech expertise, further strengthening LendAPI’s mission to help financial innovators build responsibly and scale with confidence.

Welcome to our weekly platform update where you can learn about the inner workings of LendAPI. How we operate our business, how we interact with our partners and how we take care of our clients. This week, we will give you a sneak peek at v2.9.9 and a few words about our next big release v3.0.0. 

LendAPI is now on a two week release schedule. Which means that we released our v2.9.8 a few days ago. However we were a day behind our original schedule because we wanted to pack more features into this release before it went out. 

Irvine, California — August 8, 2025 — LendAPI is proud to announce that Peter Renton, a highly respected voice in fintech and banking innovation, has joined the company’s Advisory Board. As a seasoned entrepreneur, media founder, and industry connector, Peter brings decades of experience to help guide LendAPI's next phase of growth.

LendAPI is excited to welcome Kevin Myers to the team as our new Sales Executive. Kevin joins us with deep expertise in decisioning and sales strategy, having spent the last several years at DecisionLogic, where he played a key role in driving adoption of cutting-edge financial data and analytics solutions across the lending and fintech space.

FOR IMMEDIATE RELEASE

Irvine, CA – August 6, 2025 – LendAPI, a leading embedded finance platform, today announced the appointment of Vishwas Babu as its new Chief Platform Officer (CPO). In this strategic role, Vishwas will oversee LendAPI’s platform architecture, scalability, and roadmap, as the company embarks on its next phase of growth and technological evolution.

Embedded financing and point of sale financing is dominating the fintech landscape. All retail locations or ecommerce websites have all begun to offer BNPL (Buy Now Pay Later) or installment payments, but little is known about the technology behind this phenomenon. Today we are going to talk about the technology behind it all and one of the killer features that LendAPI has developed to advance this financing tread.

Hey folks! Things are heating up quite a bit. We’ve officially excited our July CustomerCare month and are focusing on growth of our platform again with new features and functionality. We spent a lot of time organizing our release schedules, release schemes and added new tools and processes to put important guard rails up to produce quality releases going forward.

There are 30 million small businesses in the US, and they’re the backbone of the US economy. Small businesses need everything to function, from employees to inventory. There’s no shortage of demand for small businesses in America to build and thrive.

We had an amazing and fruitful week this week. We pushed out a big platform update (more on that later) and presented it in front of 12 community banks all at once at their monthly workshop. We have to thank our bank client for bringing us in and giving us the opportunity to show off our platform.

We talked to newly formed banks, financing arms of one of the biggest online retail outfits in the world, you know which one, ;). And we have a new sales person starting and we can’t wait to tell you more about that.

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.

Last week, everyone at LendAPI was on full cylinders. We added a Chief of Staff Eric King, we hired a sales executive from one of the biggest names in open bank space. He will start on August 1st 2025. We can’t wait.

And if you’ve been living under a rock, the Open Banking 1033 Rule from CFPB is effectively dead. As soon as that news hit the street, Jamie Dimon from JPMorgan Chase said he will start charting all of the aggregators such as our partner Plaid to access consumer banking data.

But we are prepared to help our partners to get through this.

When we first started, we were staring at a brand new company page we just set up on LinkedIn, as a complete unknown with 0 followers. We closely examined well known tech companies and how they’ve garnered thousands of followers and immediately started working.

Here’s a quick summary of how we grew from 0 to 7,000 followers on LinkedIn in a short span of 15 months.

When we founded LendAPI, our vision was simple: enable instant launch of any financial product. Lending is one of the fastest-growing, most tech-driven sectors of the economy, yet core infrastructure remains controlled by a few dominant players protecting their competitive edge.

The global Total Addressable Market (TAM) for lending software encompassing loan origination, servicing, analytics, and management tools is estimated to be $12 billion in 2024, With projections reaching US $20–22 billion by 2033

Los Angeles, CA — July 16, 2025 — LendAPI is proud to announce a key milestone: the LendAPI FinTech Marketplace has surpassed 250 active members, marking one of the fastest-growing fintech ecosystems in the market today. Over the past 15 months, LendAPI has been building what is now recognized as one of the largest and most impactful fintech networks — a central hub where financial innovators connect, integrate, and deliver critical services across the lending and banking ecosystem.

LOS ANGELES — July 16, 2025 — LendAPI, a leading Decisioning-as-a-Service platform for fintechs and lenders, is honored to announce the appointment of Walt Ramsey to its Advisory Board.

We spent a lot of time discussing how to approach the next stage of our growth. And we started that discussion with our core platform. We made a decision to continue hardening our platform and make it even more bulletproof for the big v3.0 of our platform development.

Irvine, CA – July 12, 2025 – LendAPI, the leading infrastructure platform for embedded lending, announced today the appointment of Eric King as Chief of Staff. This strategic hire comes at a pivotal moment as demand for LendAPI’s modular decisioning and lending infrastructure reaches an all-time high. LendAPI is scaling to meet that demand with a leadership team anchored in deep fintech, lending, and product execution experience — and Eric brings decades of exactly that to the company and its clients.

We’re excited to welcome Caleb Warner to LendAPI as our newest Project Manager.

LendAPI is on a mission to become the Salesforce of Lending—a composable, API-first platform that empowers banks, fintechs, and lenders to build fully customizable lending solutions with speed and confidence. Since launching, LendAPI has grown rapidly, powering origination, decisioning, and underwriting workflows for top-tier institutions and emerging fintechs alike.

At LendAPI, we are building the Salesforce for Lending—a powerful platform that allows lenders, fintechs, and financial institutions of all sizes to launch, scale, and evolve with speed, intelligence, and adaptability.

Los Angeles, CA – July 12, 2025 – LendAPI, the leading vertical SaaS lending infrastructure company, is pleased to announce the addition of Joy King, MBA, to the team as Project Manager. Joy joins LendAPI during a period of rapid growth and platform expansion, as the company continues its mission to become the Salesforce for Lending—powering modern credit products through flexible APIs, integrated decisioning, and end-to-end workflow automation.

Last week was full of fun at LendAPI. We had one of our biggest bank clients visit us to get trained on our platform as well as an onsite visit. It was successful beyond our expectations. They walked away with confidence and enthusiasm. Thanks to Equifax for sending in their troops and collaborating with us with the bank partner to do more.

We had a monster week last week to finish out our Q2’2025. We are getting ready to have a large number of team members joining us especially in our customer success team. These new members will be assigned to take care of our current client and will also help us organize a ton of new clients starting with LendAPI. 

LendAPI is the fastest-growing fintech deployment platform, having processed over 30 million transactions. LendAPI enables technologists, risk modeling experts, and compliance officers to truly collaborate on a single platform where products, rules, and regulations can all be configured in parallel and all at once.

When we created LendAPI’s Rules Studio, our aim was simple. We wanted an intuitive way for anyone with any skillset to build complex business processes with a do-it-yourself visual builder. We now have two dozen customers using our rules studio daily to create identity verification rules, fraud detection rules, credit risk underwriting rules and account management rules. We are not stopping here, we listened. We are incorporating operational processes as part of our rule writing process and we would like to share with you some of the advancements in our lab.

Our weekly release is packed with new features and this week in preparation of multiple clients going into production mode, we are spending most of the time this past week to get them ready for launch.

We are introducing a whole new way of interacting with your applicants, we call it Agent View. At LendAPI, we believe that not only can you use our various Studios and Builders to build the most flexible Loan Originations experience for your clients but helping them through the complex onboarding process is another critical step to complete the onboarding experience.

We’re thrilled to welcome Wilson Su to LendAPI’s 2025 Summer Internship Program! Wilson joins us from the University of California, Irvine, where he’s pursuing a Bachelor of Science in Computer Science with a specialization in Artificial Intelligence and Embedded Systems — all while maintaining an impressive 4.0 GPA and earning a spot on the Dean’s Honor List.

At LendAPI, we believe in building the future of fintech by investing in emerging talent with exceptional drive, creativity, and technical expertise. This summer, we are excited to welcome Hritika Phule to our Summer 2025 Engineering Internship Program, where she’ll be contributing to our core platforms, backend services, and cloud deployments.

We’re proud to welcome Ajaykumar (AJ) Burigari to the LendAPI Summer Engineering Internship Program 2025. AJ is currently pursuing his Master’s in Computer Science at California State University, Fullerton, where he’s already made a name for himself through impactful projects in backend systems, cloud-native architecture, and AI-powered applications.

LendAPI is excited to welcome Samuel Xia to our 2025 Engineering Internship Program! A standout student from the University of California, Berkeley, Samuel is currently pursuing a degree in Applied Mathematics with a strong foundation in computer science and data science.

LendAPI’s vision statement has always been “launch any financial products instantly”. The goal is certainly lofty but we are doing all that we can to launch new features, functionality and additional information to help our clients launch any financial products instantly. 

Agent Dashboard, the evolution of our Application view is finally here. We’ve been meticulously working on this project for over an entire month and this critical release is finally here. 

At LendAPI, we believe that cultivating the next generation of technical talent is just as important as building cutting-edge financial infrastructure. This summer, we’re proud to welcome Jim Alvarez as our 2025 Software Engineering Intern.

We’re thrilled to welcome Joshua Lin to the LendAPI team as our new Sales Consultant, reporting directly to CEO Timothy Li.

We’re thrilled to welcome Ayan Jhunjhunwala to LendAPI as our Software Engineering Intern for Summer 2025! Ayan joins us from the University of California, Irvine, where he is pursuing a degree in Computer Science and Statistics. With research experience in machine learning, large language model (LLM) quantization, and medical NLP, Ayan brings a unique blend of technical expertise and intellectual curiosity to our growing engineering team.

When we ventured out to build the LendAPI platform, compliance was always at the center of every part of the software. From our Product Studio to our Rule Engine, traceability, logging and versioning is at the heart of everything we stand for. 

LendAPI is expanding the contract management capabilities of our platform to better serve the growing needs of our clients. We’ve developed a comprehensive and fully integrated contract management tool called Contract Builder, designed to streamline and modernize how contracts are created, modified, and signed.

New Delhi, India & Singapore – May 31 2025 – FairConnect Financial Services Private Limited (formerly FairConnect Business Advisors Private Limited), an NBFC-ICC registered with the Reserve Bank of India, and Advanced Technology Management Consultancy Pte Ltd(referred to by its brand NxtGen Pay), a global innovation firm headquartered at Marina Bay Financial Centre, Singapore, have reached a strategic understanding to jointly explore, design, and deploy next-generation fintech services. This collaboration aims to unlock new financing opportunities for small and medium enterprises (SMEs) in the markets of interest for FairConnect.

We’re thrilled to welcome Jeremy Ahlgreen to LendAPI as our Chief Financial Officer. With more than two decades of experience leading financial strategy at both high-growth startups and established financial institutions, Jeremy brings a depth of expertise that will help guide LendAPI into its next chapter of growth and innovation.

Rafael’s journey into software engineering is anything but conventional—and that’s exactly what makes him such a valuable addition to our team. Originally trained as a medical doctor in Brazil, Rafael worked as an ER physician before transitioning into technology. With a deep curiosity for systems, logic, and the power of code to solve real-world problems, he pursued a formal education in software engineering at the Academy of Information Technology in Australia.

We are pleased to announce that Jack Woolman has joined LendAPI as our Platform Engineering Intern. Jack is a recent graduate of the University of California, Irvine – Paul Merage School of Business, Class of 2025, where he earned his Bachelor of Business Administration in Business Administration and Management. He also holds associate degrees in Business Administration and Economics from Ohlone College.

We are pleased to announce that Chase Reynolds has joined LendAPI as our new Project Manager. As LendAPI continues to scale rapidly to meet growing demand across the fintech ecosystem, we are investing in exceptional talent to support our mission of delivering intelligent, automated lending infrastructure. Chase brings a strong background in business analysis, software implementation, and quality assurance—skills that are essential as we expand our platform and marketplace capabilities.

We are excited to welcome Harshit Gupta to LendAPI as our newest Backend Developer. Harshit joins us with a strong background in full-stack development, backend optimization, and secure system architecture. His experience and technical rigor make him a valuable addition to our growing engineering team.

Since LendAPI and Equifax linked our historic partnership, we have a dedicated Equifax team working tirelessly to integrate all of Equifax’s commercial bureau products. We’ve completed all but a few tweaks to have all of their commercial credit and business search products available on our platform. This week, we have completed some critical consumer product integrations with Equifax in our v2.9.1 platform release.

LendAPI introduces the most comprehensive decision engine suite in the market with the launch of the latest Model Runtime Service along with the Rules Studio, Model Studio, Variable Builder and a full set of third party integrated third party data providers.

Today, we announce the creation of a new feature that’s never been seen before in the decision engine solutions market, LendAPI’s Model Runtime Service. Our very first Blackbox-as-a-Service solution. 

One of the most thought after features for any decisioning-as-a-service company is the ability to host the client’s decisioning strategies, pricing algorithms. But most of the time the banks and lenders must expose their intellectual property to the decision engine provider and make it difficult for lenders and banks to trust the service providers and also in fear of having their intellectual property accidentally exposed.

We’re excited to introduce the LendAPI Lender Marketplace — a powerful new platform built for marketers, lenders, fintech builders, and lead aggregators who want full control over their lending network. Whether you're looking to replicate the success of platforms like LendingTree or create a custom lending experience tailored to your brand, the Lender Marketplace gives you the infrastructure to do it all.

Advancement in Tribal Lending Technology — Online Lenders Alliance Tribal Lending Conference

There has been tremendous advancement in tribal lending technology that asserts tribal sovereignty, tribal e-commerce, and tribal lending over the past 15 years.

We are laying the foundation for some major advancements in our platform. This time our Model Studio is getting a major facelift from top to bottom.

This week and with our v2.8.8 release, we are evolving our platform even further to give you the ultimate commercial lending experience. A combination of firmographics search investigation tools built right into our tool. Where you are looking up by email, EIN, domain or Linkedin address, we have it all for you.

FOR IMMEDIATE RELEASE

IRVINE, CA – April 30, 2025 – LendAPI, the leading decision engine powering the next generation of lending, proudly announces a major milestone: over 20 million loan applications have been processed through its platform in the past 12 months. With current volumes exceeding a 35 million annual run rate, LendAPI is rapidly becoming the go-to infrastructure for financial institutions seeking to deliver fast, intelligent, and scalable credit decisioning.

Singapore and Irvine, CA, April 29, 2025, Building on a continuing and longstanding relationship since the inception of the two firms, LendAPI, Inc. and Advanced Technology Management Consultancy Pte Ltd announce their strategic partnership to bring an advanced fintech platform to the APAC region.

This week we released our platform update v2.8.7. Seemingly innocuous, but this release contains one of the biggest features to our platform to date, Lender Marketplace.

We are proud to announce a new client in the electric vehicle fleet financing market joining LendAPI’s platform. The executive team from this client has been working in vehicle financing for decades. The risk management team have been in the car financing industry for a long time as well. 

We want to talk about the biggest unlock at LendAPI. Last week we inked a monumental deal with Equifax that will be life changing for both companies. We can’t wait to tell you more in the coming weeks.

We're excited to announce a new collaboration between Equifax and LendAPI, that will enhance how FinTech companies and lenders access and leverage critical credit data and decisioning tools.

We’re excited to announce the newest addition to our engineering team: Vishesh Dubey has joined LendAPI as a Front-End Engineer, bringing with him a wealth of experience in building modern, scalable, and highly-interactive web applications.

April 14, 2025 – Los Angeles, CA — LendAPI is proud to announce the newest addition to our rapidly growing team: Hammad Azeemi joins us as our Sales and Marketing Specialist, bringing with him over a decade of experience in digital marketing, lead generation, and full-stack sales strategy.

So much has changed this past week, where do we begin? First, we grew our company by 5 additional co-workers. From marketing to engineering, from quality assurance to management, we are growing to support our clients and new platform initiatives.

We’re thrilled to welcome Sonia Sharma to LendAPI as our new Senior QA Engineer!

Sonia joins us with a decade of experience in quality assurance, software testing, and automation. She has led QA functions across fast-paced tech environments, building scalable testing frameworks and driving process improvements that enhance product reliability and customer trust. Her deep understanding of test automation, CI/CD pipelines, and agile methodologies makes her an ideal fit as we scale our platform and team.

The National Association of Credit Union Service Organizations (NACUSO) is hosting its annual Reimagine Conference this year at the Wynn Las Vegas, from April 14th to 17th, 2025. We’re excited to celebrate this incredible gathering of leaders, innovators, and changemakers who are shaping the future of credit union services.

LendAPI’s FinTech Marketplace has been growing at a tremendous pace and to complement this group, we are launching a new and exciting FinTech Marketplace Slack Community.

April 8, 2025 – LendAPI is thrilled to announce that Prasanth Kumar has joined the team as a Full Stack Developer, bringing a wealth of experience in modern web technologies and backend architecture. Based in India, Prasanth will play a key role in scaling and optimizing LendAPI’s Decision Engine and Fintech Marketplace platforms.

April 8, 2025 – Irvine, CA – LendAPI, the leading Decision Engine powering the next generation of fintech lending platforms, is proud to announce the addition of Bob Gao as Engineering Manager. Bob brings a wealth of experience in software engineering and technical leadership, with a strong track record of building high-performing teams and delivering impactful fintech products.

Price Reject is a concept widely adopted by lenders buying leads from online lead providers. The concept is simple, when the lender is presented with a lead marked for a certain price set by the lead providers, the lender can make a choice to purchase the said lead.

I am sitting at a cafe in a swanky hotel lobby in O’ahu. Three entrepreneurs are working, playing cards and looking over their hubspot, having a grand ole time. They are, from what I can tell mortgage brokers or mortgage bankers. 

We recently released our latest Rules Studio 2.0 to accommodate our high performance Decision Engine and we want to revisit this top of how to launch your lending products quickly with speed and accuracy.LendAPI brings two things to the table by working with us, speed to market and total cost of ownership. 

At the heart of any proper onboarding process, lives risk management and risk modeling practitioners. These folks are well versed in risk management, credit risk modeling as well pricing strategies that serve across all types of financial products.

What happens after a client has been onboarded? Only some of the banks, fintechs and financial services companies have the capability to operate their own servicing and call center. Most of them outsource these activities to professionals to handle this critical part of the customer journey.

Risk management is the backbone of any successful lending business, yet mastering it requires a deep understanding of strategy, data, and execution. In Unsecured Lending Risk Management, Frank Tian delivers a comprehensive guide that speaks to both seasoned professionals and newcomers alike. His second edition offers a practical, well-structured approach to navigating the complexities of credit risk—from origination to collections—while addressing the evolving role of technology in modern risk management. As a fellow risk practitioner, I found this book both insightful and essential, and in this review, I’ll share why it deserves a spot on every credit risk professional’s bookshelf.

With much anticipation, we’ve launched a brand new feature "Underwrite AI”. This new feature is located in our Tools section of our platform and available to Scale Edition of clients.

LendAPI's focus is on customer engagement, underwriting and user experience. One of the most important partnerships are loan and card servicing tools. And today, we are going to celebrate everyone that works with us to ensure a smooth transition from an applicant to an approved user to a fully funded loan or credit card.

LendAPI is partnered with all the popular payment providers in the lending and banking industry. Whether our clients need to take an application fee or push a payment to complete the seller finance contract, we leverage these partners to complete those transactions.

We are proud to announce that another LendAPI in the subprime personal loans space is going into production.

We are pleased to announce the official launch of our client, a newly formed tribal lending entity based in South Dakota, located on the Sioux reservation.

We had an incredible week following the FinTech Meetup in Vegas and the party continues with LA FinTech Connect this coming Thursday and LendAPI is the proud sponsor of this event! More on this later.

What a week it has been at FinTech Meetup. John, Kay and I were in Las Vegas talking to investors, vendors, banks and lenders alike. There were between 5,000 to 7,000 fintech people compressed in 3 days of conversations. The energy was palpable and everyone showed up, except for the CFPB, Consumer Financial Protection Bureau. 

I am sitting at the airport headed to FinTech Meetup in Las Vegas and pouring through everything we’ve done in the past 7 days. We had new product launches, new releases, new podcasts and new customers.

Last week, Timothy Lee, CEO of LendAPI, hopped on the This Week in Fintech (TWIF) AI and Fintech Series podcast (aired March 6, 2025) with Justin Potts, CTO of Canopy Servicing—LendAPI’s partners in crime. They tackled lending’s hot topics: AI, regulation, and what’s next. It was their first “meet” beyond Slack, and sparks flew. Here’s the juicy bits, straight from them. Last week, Timothy Lee, CEO of LendAPI, hopped on the This Week in Fintech (TWIF) AI and Fintech Series podcast (aired March 6, 2025) with Justin Potts, CTO of Canopy Servicing—LendAPI’s partners in crime. They tackled lending’s hot topics: AI, regulation, and what’s next. It was their first “meet” beyond Slack, and sparks flew. Here’s the juicy bits, straight from them.

Bank account and payroll verification are taking center stage in today’s underwriting landscape. As financial institutions increasingly rely on cash flow underwriting, the ability to access a consumer or small business’s bank account and analyze their cash flow is becoming essential—not just for credit decisions but as a responsible safeguard to prevent borrowers from taking on unmanageable debt.  

We are thrilled to announce that LendAPI will be attending the highly anticipated FinTech Meetup in Las Vegas from March 10th to 13th! The event is set to be a game-changer for fintech professionals, and we can’t wait to join the conversation. This year, our Co-Founder and CEO Timothy Li, John David Crouch, our Head of Growth and Partnerships, and Kay Feng, our Head of Product and Operations, will be representing LendAPI and connecting with industry leaders, innovators, and like-minded organizations.

LendAPI is rapidly expanding our solutions to empower financial institutions in launching products swiftly and efficiently. To enhance our architectural capabilities and drive this vision forward, we have sought exceptional talent globally. We are thrilled to announce that Ankita Dhiman has joined our team as a Frontend Developer.

Welcome to March 2025! Exactly a year ago, LendAPI was launched and what a year it’s been.

We are proud to announce that a new commercial lending client is joining LendAPI’s platform to completely transform their digital onboarding strategy.

Credit bureaus are the backbone of any credit underwriting strategy. Whether issuing consumer credit or small business loans, verifying an applicant’s creditworthiness through a bureau isn’t just prudent—it’s essential.

It’s been a year since we launched LendAPI. Our vision is to allow fintechs to launch products in minutes, and our mission is to release new features and functionality weekly to fulfill this vision.

Identity verification has evolved so much in the past 20 years. It begins with showing up in person with your government issued identity cards and some type of utility statement showing that you are living at the address you claim you live.

LendAPI is fueled by our FinTech Marketplace. Our clients require us to have as many of the most popular third party integrations completed as possible as the foundations of their credit underwriting decisions.

LendAPI is proud to announce that over 200 members have joined our FinTech Marketplace, forming a powerful consortium to connect, collaborate, and drive the fintech industry forward.

Book Review: “Banking as a Service” by Jason Mikula

My name is Timothy Li, CEO of LendAPI. I’ve been in the banking industry for almost two decades. Come to think of it, it’s scary how fast this industry has evolved—from branch-based banking to today’s fully digital banking.

I’ve worked at JPMorgan Chase, loanDepot, and Realty Mogul and have consulted, advised, and invested in many banking and fintech startups. Lately, I’ve been focusing on digital onboarding and embedded finance, which led to the creation of LendAPI—born from a fusion of my personal and professional experience. I also developed a course titled FinTech Fundamentals at the Viterbi School of Engineering at my alma mater, the University of Southern California.

I love this industry, so when this book first arrived on the scene in late 2024, I jumped on it right away, pre-ordered the hardcover, and eagerly awaited its arrival.

Hey all, we’ve launched a brand new service LendAPI Capital to enhance our overall offering. FinTech lenders have a few hurdles they must overcome, one of which is licensing to lend and the other is funding capital.

We took purple power to a whole new level. After a few weeks of intense non-stop work, we released our new website. If you are reading this blog, then you are experiencing the new light mode. 

We have some major updates in this release and let’s get right into it!

We’ve been working on Product Studio 2.0 for so long and it hurts. But friends and family, we finally got it released. In Product Studio 2.0, we implemented smoother drag and drop functions, additional customization features, more modules to use and a brand new preview mode where you can preview desktop, mobile views right inside of the product builder.

No no no, we are not talking about that kind of modeling. We are talking about underwriting models. We’ve renamed our Variable Studio to Model Studio after releasing a whole slew of new functionality allowing our clients to implement complex custom variables and models.

We’ve been working on improving the overall speed and reliability of our platform for almost a month now. And we combed through our entire code base and optimized our code just about everywhere. There is still much more to do, but we are pleased with the progress. 

Welcome to another platform update at LendAPI. We worked mostly to harden our platform this time around as well as getting some of our clients into production. We also published a few more episodes of LendAPI Academy for our clients and future clients to watch how to build and launch their LOSs and Decisioning Engines themselves.

We would like to announce that LendAPI has been selected by a large commercial real estate investment company in California to expand their broker program and leverage LendAPI’s mutli-tenant platform to provide a digital application submission process.

Our first release of the year is full of features and enhancements. We are working to completely revamp the UI and some UX of some of the most used sections of our platform. The design work has been ironed out and approved by our product team and our engineering team is hard at work hammering out these new looks. Stay tuned.

Decision Engine is at the core of banks and fintechs. Making critical business decisions such as (KYC) or “know your customers” or credit underwriting decisions can make or break your business.

There are many reasons why FinTech Banks fail. We’ve seen some spectacular failures when banks fight with their fintech partners whether the partner is an originator or software vendor. When banks give up control and lack foundational visibility into their fintech partners, that’s why issues start to brew and these fintech partnership programs can quickly unravel and become a regulatory nightmare.

We will lay out three key focus areas of launching a future-proof fintech platform in 2025 and a few nuggets for you to think about when you are ready to launch.

When I first started exploring decision engines, it struck me how little had changed in decades. Many incumbents have failed to keep up with the pace of technological innovation. Where are the features like A/B testing, shadow scoring, or seamless third-party integrations? It became clear that these simply weren’t priorities on their roadmaps.

Friends, Family and FinTech Enthusiasts, welcome to our last production release of 2024.

It’s impossible to capture everything the LendAPI team has achieved in 2024 within a mere 1,000 words. The blood, sweat, and tears poured into this company have culminated in one of the greatest collective feats we’ve ever pulled off.

At LendAPI, we’re starting a new tradition: boldly forecasting the future of fintech with our annual Top 10 Predictions list. This year, we’re diving into banking, credit, lending, payments, crypto, and everything else we believe will shape 2025.

Here are our inaugural LendAPI Top 10 FinTech Predictions for 2025:

There are two more releases left in the year and we are still busy releasing features, optimizing our code and getting a ton of stuff done for our clients.

In this release, we are finally getting into the SSO game where enterprise customers can login all the way through their environment and into ours through this single sign-on process. You will see these types of enterprise integration work more and more from LendAPI as we engage more sophisticated clients.

Irvine, California — LendAPI, the industry's only all-in-one platform enabling banks to build, launch, and scale financial products out of the box, has reached a groundbreaking milestone. Since its launch on March 1, 2024, LendAPI has partnered with banks and fintechs to revolutionize speed-to-market in ways never seen before in the financial industry.

In today’s digital banking era, delivering credits and debits to qualified borrowers isn’t just a competitive advantage—it’s table stakes. Payliance has been at the forefront of modern payment technology, offering fast onboarding and real-time payment rails for banks and lenders alike.

This spotlight highlights the benefits of real-time payments and working with payment gateway providers who prioritize seamless onboarding for banks, lenders, and financial institutions.

Cash flow underwriting is transforming how banks and lenders assess applications today. With the rise of banking transaction tools such as Plaid, Nova, MX, Chirp, and others, analyzing banking transaction data has never been more critical.

In this spotlight, we explore why cash flow underwriting has gained immense popularity among banks and fintechs and how our partner Pave is leading the way by uncovering powerful insights in this space.

We’re thrilled to announce the launch of LendAPI Academy, a comprehensive video series designed to help you unlock the full potential of the LendAPI platform. Hosted by our Head of Operations and Product, Kay Feng, this educational initiative offers step-by-step guidance to both new and existing customers, ensuring you’re equipped to make the most of everything LendAPI has to offer.

There are a little more than two more weeks left in 2024 and we are busier than ever.

We are thrilled to unveil LendAPI Academy, an exciting new addition to our suite of services, designed to elevate your user experience and empower your financial operations.

We’re thrilled to kick off the new season of the LendAPI Podcast, hosted by Rutger van Fassen, with a special guest: Ramkumar (Ram) Venkataraman, Co-Founder of Sei AI.

LendAPI, a leading no-code lending infrastructure platform, has officially integrated with Spring Labs’ LiveSight, the premier business identity infrastructure designed to streamline consumer and business verification for the lending, BNPL (Buy Now Pay Later), and Point-of-Sale financing industries.

We’re thrilled to announce the launch of the LendAPI Podcast, hosted by Rutger van Faassen, a highly respected banking and payments expert with a long-standing presence in the fintech industry. As our host, Rutger will bring his expertise and engaging personality to kickstart this exciting addition to our ecosystem in the coming year.

Welcome to our weekly release notes. For those that are just getting to know LendAPI, we are on a daily release schedule, but on a weekly basis, we lasso all of our changes into one single weekly release for everyone to review.

We hope everyone had a safe and sound Thanksgiving here in the United States. We all took a few days off but we didn’t take our eyes off of the most important thing we do here, release more features and functionality for you, our partners and clients.

LendAPI is pleased to announce its participation in the upcoming Techstars New York City Demo Day, alongside 20 other startups, at Google’s New York City office on Tuesday, December 3rd, 2024.

Aloha and Mahalo! I am in the Big Pineapple this week for a much needed R&R but the team at home is going full steam ahead. We have so much to do and we are trying to double time before the year finishes.

Boy do we have a monster of a release today for y’all. One of the biggest features to-date is A/B testing of risk management strategy and it’s finally here!

Banks with fintech partnerships, listen up: do you know what your fintechs are doing while you sleep? If consent orders from regulatory agencies aren’t enough to keep you awake, then perhaps the risk of consumer lending law violations and disparate impacts on protected classes will.

After 3 months of solid fund raising mode, we are back into founders mode. Wait, we’ve always been in founder mode. There’s so much to do and so many problems to solve in this vast banking and fintech industry, our heads are buzzing.

LendAPI, the innovative fintech startup transforming financial technology deployment, raised $3.2 million in seed funding. This round, led by Cohen Circle, with participation from Great North Ventures, AlleyCorp, Techstars, Plug and Play, and Interlock Capital.

Another week flew by just like that but we have a ton of updates in this release. We focused the majority of our efforts this week to harden our client’s end customers' experiences. Whether they are point of sale financing, or embedded check out or credit card onboarding, we continue to refine their onboarding process.

LendAPI is proud to announce new platform pricing, better aligned with our customers' needs. We’ve restructured our pricing tiers, renaming them from Silver, Gold, and Platinum to Launch, Core, and Scale.

Live from Las Vegas! We are at Money20/20, the biggest FinTech conference in the world. Tens of thousands of fintech enthusiasts are converging in Las Vegas for this once a year get together.

So much has happened in the past week or so! We had our big UI release in v2.5.4 and now we rapidly released another two production releases to support onboarding efforts and getting ready to do more UX refreshes one interaction at a time.

LendAPI is proud to announce Luby as its official certified partner, marking a new milestone in their collaborative relationship. This partnership strengthens the capabilities of both companies, enabling them to seamlessly launch new clients while combining the best of their technical expertise. Luby will work closely with LendAPI to expand their capacities and provide a robust, integrated solution that addresses the needs of banks and fintechs looking for agile, scalable onboarding systems.

Hello folks! LendAPI’s new user interface has finally arrived with v2.5.4 release.

We have a whole slew of new UI upgrades coming as part of subsequent releases all October. We will upgrade key functionality of our platform with new UX that will make your lives and our lives easier.

LendAPI is pleased to announce a new client joining our platform. This client is based in California and has been in business for a long time in the areas of invoice financing. We engaged with this new client and got them up and running in a day with our already implemented Plaid integration and our rules engine.

LendAPI is pleased to announce a new client joining our platform. This client will start a POC (Proof of Concept) on the LendAPI platform. The private real estate financing market is heating up as investors and developers are re-entering the market as inflation and cost of capital falls.

With tremendous gratitude, LendAPI is excited to announce that we have surpassed a major milestone. We've successfully processed over 5 million applications in a short period, doubling our transaction volume from 2.27 million on September 8th, 2024.

Hello Banks, FinTechs, Point of Sale Finance folks and pure play retail friends! 

This week we are heading into a double header, two releases this week to support our existing clients and launch new customers. One of our long-time CUSOs or Credit Union Service Organizations launched another client on our platform which is always wonderful news for them and for us. Congratulations.

We had a busy week this past week. Lots of demos and on-site visits with banks and lenders. Everyone is ecstatic when they see our all in one platform. We are in the process of launching a few clients and this release has a lot of features that allows us to be even more flexible when it comes to building certain applicant experiences.

This is a story told by Timothy Li, CEO of LendAPI, on the origin of LendAPI and why this is an important chapter in the Southern California entrepreneurial and venture capital scene.

So much has happened since our 250th release a few days ago. Our platform release v2.5.1 is perhaps one of the most comprehensive and one of the biggest releases to date.

How are we able to outproduce ourselves? We implemented better framework, more efficient coding standards and cleaned up a lot of our architecture to be more nimble and efficient. 

A few days ago we alluded to our 250th release. We get a collective chill when we think about this incredible journey we are on since we launched almost 7 months ago.

As we approach our 250th release, we want to say thank you to everyone that supported us on our journey to completely rethink how we launch new financial products. A single click to launch is our vision and we are getting there in a hurry.

LendAPI is pleased to announce the addition of a new client using our state of the art decision engine to power their new personal loans product. This client uses Plaid’s transaction exclusively for underwriting with advanced scores and attributes delivered by Pave’s engineering team.

LendAPI is VC-backed industry first 1 click fintech product builder that helps banks, fintechs, retailers to launch their financing products in minutes. Our Product Studio, Rules Studio and our Pricing Engine work seamlessly together with all the popular third party integration partners of your choice.

I know, I know, I know, we just did a release a few days ago, why? Well, we love you guys that’s why. Some of the features in this gargantuan release have been in the works for a quiet while now and these new features, APIs and connectivities will make this platform even more versatile than ever before. 

It’s been a beautiful week in New York City and the reason why Sam and I are here these two weeks is that LendAPI has been accepted into Techstars Accelerator New York City. 

We met some amazing founders in our 11 company cohort and these relationships will last a lifetime. We appreciate everyone being super patient with us as our calendars are extremely packed to go through various courses and content at Techstars.

We are also making great strides with our seed round investment. This is also a very time consuming task and one that we don’t take lightly. We talked to some of the biggest fintech VCs around the world and have received amazing feedback. And the reason why we are raising a seed round is to provide more support to our existing clients and accelerate onboarding of our new clients.

We will be hiring inside sales, executive sales, implementation managers as well as expanding our development team around the world. We will become the dominant player in this vertical and banks, fintechs will never launch their products the same way again. One click to launch is our vision and join us at www.lendapi.com and click on Sign Up to get your own account.

We are proud to announce that LendAPI has been selected to join the prestigious Techstars Startup Accelerator in New York City. Techstars, recognized as the world’s leading technology startup accelerator, is renowned for its impact on early-stage companies and its contributions to the global startup ecosystem. 

Techstars New York City is one of the program’s most established and competitive cohorts, drawing applications from across the world. We are thrilled to be one of only 11 companies chosen for the 2024 program, selected from thousands of applicants.

At LendAPI, we recently surpassed 2.27 million transactions on our platform, processing 100,000 applications daily. Our platform is trusted by both challenger and traditional banks, enabling them to launch new products faster in today’s rapidly evolving market.

We are pleased to announce that we have processed over 2.27 million transactions through our platform on Sept 8th 2024. Our high performance decision engine has doubled the transaction volume 19 days ago when we reached 1.1 million transactions on August 20th, 2024.

We have some exciting news to share. We added a new client. We achieved SOC 2 Type 2 compliance. We added a few more marketplace members to our ever growing community. We love every one of them.

On the fundraising side, we are on track to close our seed round. If you’d like to be part of it, there’s still room. We are aiming to close our seed round by the end of September! Talking to investors from funds that get what we are doing is an awesome and assuring experience. 

We made a new hire and this engineer will dedicate on UI/UX. We have a brand new design for our platform which we’ve been working on for the past few months and you will see a facelift soon. We are very excited about this.

We are also hiring QA engineers and are interviewing talents as we speak. If you are an individual and interested in joining our team, please email us at info@lendapi.com.

The founding team is in New York City, The Big Apple. We will be meeting clients, attending conferences and working on a few things that I think all of us will like.

And lastly, what do you think about this tagline “LendAPI, Onboard Anyone.”?

We are excited to announce that LendAPI has completed its first SOC 2 Type 2 audit. We understand the importance of security and practices safeguarding the most important parts of our system which is the stewardship of data.

We are back with two rapid releases that enabled us to get into a new embedded finance vertical as well as workflows for more complex underwriting scenarios where manual review is required.

Again, we give thanks for our clients and potential clients to make our platform even better and user friendly.

We also added more variables from our friends at MaxMind and achieved true integration status with Accelitas. Another badge earned. 

We are pleased to announce that LendAPI has launched the embedded financing vertical with the first client in the B2C e-commerce and retail space. This client is a large financial institution specializing in outdoors equipment clients with e-commerce presence as well as retail store front foot print.

It’s been almost six months since we launched and we are humbled daily. Let’s face it, software engineering is hard. Fintech software engineering is harder and making it all a configurable SaaS tool where banks can design and deploy financial products in a few minutes is something none of us thought we would take on and succeed. 

We are pleased to announce that we have processed over 1.1 million transactions through our industry first digital onboarding platform. 

LendAPI Platform Update v2.3.9 - v2.4.0

We have a ton of updates for you in the past 3 releases, v2.3.9, v2.3.10 and brand new v2.4.0. As we are heading towards the fall, we have huge plans for our platform to enhance our Product Studio as well as making our Rules Studio and Pricing Engine even more powerful.

We are thrilled to onboarding another client in their auto lending and title lending space. We’ve known the CEO for a long time and he is a very experienced operator. Another dream client. This client will utilize our Product Studio, Rules Studio and our Application Management Platform to launch their entire digital onboarding experience.

LendAPI Announces Marketplace FinTech 150

LendAPI Marketplace is a directory of the hardest working fintech firms from around the world. It’s a collection of hand picked firms in categories ranging from risk analytics to credit bureaus, from flood insurance to compliance management. 

The marketplace has reached over 150 members in a short span of time and we are inviting more companies to join. It is completely free to join. We have 22 categories and we will slot you into one or many of these categories as you see fit.

What is Decisioning as a Service? 

Decisioning as a Service is a software system that produces results from logical comparisons using mathematical expressions and data from a variety of sources.

We are doubling SaaS subscription pricing across all tiers with added services.

Summertime is coming to an end and to celebrate we are all about launching partners and clients in these three releases. 

We’ve also happy to announce that we’ve met all of our goals for the quarters in terms of number of clients onboarded, number of strategic partners onboarded and of course our sales and revenue goals. 

We want to take the time and look back at the past four months since launch and give our thanks and gratitude to all of our partners, clients, and everyone that reached out to us and helped to get on the right track.

Every call, every interaction is a chance for us to learn. We are heads down on developing new widgets, plug-ins to enter the embedded finance arena with some really great clients. We can’t wait to tell you more.

We have another integrated partner announcement. This time, it’s UGA Finance, a loan servicing platform that has helped thousands of businesses and has over $2 billion dollars of assets under management. We couldn’t be more proud to work with their team and establish API connectivity to serve our common clients. Look out for UGA Finance to join our marketplace shortly.

A decision engine is a powerful tool for banks to comb through millions of applications and focus on the few that qualify for their product and services. Almost all credit applications are processed online and the need for a high speed decision engine is table stakes for all financial institutions around the world.

So how does decision engine work and what are some of the key features of a decision engine and what are banks looking for in a decision engine that’s powerful and yet easy to use. Can it be completely operated in a do-it-yourself mode? Today we will discuss these key tenets of a Do-it-Yourself or No-Code decision engine.

We are prepared for three releases this week and this is the first public release of the two and we have a private release for a major bank which we won’t be able to publish the details of. The next release notes will be released sometime this weekend. There will be some cool stuff in our 2nd public release this week so stay tuned.

Yes, we only slept for about 2 hours and fired off two more releases.

We have to thank our partners again and again for making us better. Some of these items you will see in this release note are features and enhancements and bugs (yes, we are not perfect) uncovered by our clients. If we haven’t said it before, we will say it again here, “Thank you!”.

Friends and colleagues, we have finally arrived at v2.3.x. 

In the next 10 releases we will double down on hardening our platform, integrate with even more marketplace partners to increase the speed of launch for our bank partners.

Hey folks, we are coming at you with three releases worth of updates and enhancements. We are expanding into the Mortgage POS business, if you are interested in using our product builder to build our Mortgage POS process, we will get you 6 months of free monthly fee to help us navigate through some finer points of this new vertical.

In the past two weeks, we’ve been focusing on more enhancements and getting ready to deploy some cool new features to our platform. There will be additional integration partners coming online as well. 

We dedicate these two releases to all of our customers that are constantly giving us ideas and feedback to make our platform stronger and resilient. Thank you.

We are celebrating 100 most conceited fintech partners at LendAPI! In the past 100 days, we’ve partnered and worked with these best of breed fintech companies that expands access to credit for 8 billion people around the world.

What’s in store for all of us in LendAPI’s v2.2.x releases? We are building even more automation and flexibility and features in terms of various states of the application process. 

We are nearing the end of our platform v2.1.x and venturing into v2.2.x. That said, we want to bring your attention back to an article we released a month ago titled “Credit Decision Engine - The World of Caching”.

We have so much to catch up on since late May. We’ve done multiple releases and I want to make sure you guys get the latest platform updates, slowly but surely.

We can’t thank you enough for the constant feedback. Our most demanding customers are the ones that will make us better so I thank you. 

With that feedback, we are spending more time hardening the system as well as bringing out more features and integration partners constantly and here are updates on LendAPI platform releases already in production.

We are thrilled to onboarding another client in their personal finance space. We’ve known this team for a long time and they put together another awesome portfolio with all the industry stars behind it. We are happy to launch them on LendAPI.com and take advantage of all aspects of the platform.

To continue LendAPI’s mission and make more integrated partnerships available through our credit decision engine, we celebrate the completion of our complete Experian’s Clarity Services integration project. Clients can start using their credit scores and attributes today!

Hey folks, we’ve been busy taking care of you guys and we’ve onboarded another fellow client and in talks with a bunch of other banks and non-bank customers. Your recommendations and word of mouth referral are helping us and we want to thank you guys! The more customers we onboard the more we learn and the more our platform improves. 

And what other ways to share our joy than another round of platform upgrades and feature releases. LendAPI released three more iterations of the platform and we are here to explain to you all the goodies that’s been released into our production system.

We received our guests from Equifax’s technology, product, and risk teams this past week and we’ve seen some of their latest offerings both in infrastructure, operations as well as their core offerings in terms of credit risk models, attributes.We also saw their new offerings as result of their acquisition of TeleTrack as well as DataX. We are thrilled to have them on site and here are some of our hot takes of what we saw.

LendAPI is entering its 3rd month in business and we have signed up a new client in the personal loans space. These fine folks are into near prime and subprime loans. They are using our decision engine as well as our scoring engine to execute their latest underwriting strategy. Our data science and engineering team worked hand in hand to get all the APIs and endpoints modified and ready to roll. As we venture further into May 2024, we are hoping to onboard more clients that utilizes our Product Studio as well as our Rules Studio. Stay tuned for more good news.

We are thrilled to onboard our newest clients in the personal lending industry. This client specifically addresses the need of subprime and near prime clients nationwide.

User permissioned data is gaining popularity and acceptance. In this article, we will talk about the history of user permissioned data, some of the major players in this space and how your credit decision engine must be ready to ingest this information through widget integration as well as API integration.

Waterfalling your credit underwriting rules saves both money and reduces compliance risk. In some cases, it can help you to increase your conversion rate and upsell more products. In this article, we will talk about what is a waterfall strategy and why it’s important.

The ability to cache data will save banks and lead aggregators a lot of time and money. While reducing operating cost and compliance issues, the caching layer of your decision engine will greatly speed up your decision making process and deflect fraud attempts.

The most important aspect of a credit decision engine today is the ability to run multi-threaded risk and product strategies. In this article, we will address these use cases that goes beyond the ability to execute rules and credit risk models.

In the past few weeks, we managed to fire off 6 rapid releases. Why? Because we constantly listen to our client’s feedback and solve real issues as opposed to massaging button colors (we will get to that shortly). April 2024 has been an interesting month for us, the sun and the moon did ellipse. As consumers' attention span gets shorter and shorter, digital onboarding must take on a whole new meaning. We will be the one app that rules them all (for banks that is).

What are the steps in the loan origination process? In this article, we will break this down into three simple steps. From marketing to loan servicing and everything in between. We will dive into the latest technology that helps banks and consumers to get their loan decision as quickly as possible. 

LendAPI is committed to the security and privacy of our client’s data. Our commitment goes beyond SOC2 audits, we have completed our penetration testing and we will continue to report to everyone our platform’s performance as we move forward. 

While our competitors are sleeping, we are coding. While our competitors are thinking up excuses to delay and rack up their hourly rates, we are releasing features and adding more data providers. These series of releases are no different. We added a bunch of robust features to our decision engine as well as integrated with some of the hottest third party data providers.

Yes, we can't believe it either until it is done! Check out this mobile first, 3 click process that makes digital onboarding experience a dream!

LendAPI enters into a major version increment, 2.0. We look forward to enhancing our decision engine further with new features and new configuration methods to make our decision even more powerful. We can’t wait to launch these new features along with our product roadmap.

We bring another exciting release(s) to further improve our platform. This time, we've completed our Prove integration and created a LendAPI Prove Widget that our clients can easily use to build their short onboarding application. More to come with our Prove demo. But first, we want to show you what we've been building.

Hello and happy Sunday! We are excited to be mentioned on Simon Taylor's weekly publication FinTech Brainfood.

Dear valued clients

On this Good Friday, we thank you for your love and support and we wish you all a safe and fun spring break. Please let us know all the fun places you and your families are headed.

LendAPI selects Secureframe as our compliance automation and monitoring platform starting with the SOC 2 framework. 

LendAPI, a leading digital onboarding platform for banks, has announced its selection of Johanson Group LLP, based in Colorado Springs, CO, as its SOC2 audit firm. Both LendAPI and Johanson Group are tech-forward organizations focused on driving efficiency in their respective industries. As LendAPI strengthens its relationships with bank partners and fintech organizations, security and compliance have become crucial aspects of its integration process. The SOC2 certification signifies LendAPI's commitment to cybersecurity and breach prevention.

We released a new set of product features and pricing changes. We also welcome a few more friends to our marketplace and it's growing. We are heading to the 100 mark soon. Check them out at www.lendapi.com.

LendAPI proudly announces the appointment of Kenneth Lim as Chief Risk Strategist, leveraging his extensive background in credit risk management garnered from esteemed organizations like LendingClub and Deserve. With a proven track record in driving strategic initiatives and managing complex credit programs, Kenneth's vision perfectly aligns with LendAPI's mission to revolutionize the lending landscape through a fully configurable Loan Origination System (LOS). Timothy Li, CEO of LendAPI, expresses confidence in Kenneth's strategic insights, emphasizing his invaluable addition to the leadership team. Kenneth's appointment signifies a pivotal step towards strengthening LendAPI's position as a leader in the fintech industry, promising impactful contributions as they continue their mission.

Credit Decision Engine 

Credit Decision Engine is a specialized type of decision engine that’s widely used by bank and financial services. When a consumer or a small business is seeking credit, it is more than likely that they will encounter a financial service’s decision engine to make a quick and comprehensive real time decision.

Introducing David McMullin, the newly appointed Chief Revenue Officer at LendAPI, a leading no-code digital originations platform. With over two decades of fintech and entrepreneurial experience, David's strategic vision and expertise will drive our revenue generation efforts, shaping the future of banking.

The biggest feature from this release is our Multi-Product offering feature. Our clients can finally offer multiple types of products using completely different underwriting criteria and offer their clients checking accounts, credit cards, loans etc in one sitting! We are super excited about this feature.

Hey folks, we are forging towards another batch of product enhancements at LendAPI. This build is now released into production.

Digital banking has never been more important and today we announce an incredible partnership with PortX, a leader in financial services infrastructure that makes it easy to access core data.

In this product update, we bring you a brand new feature that finally brings test mode and live mode together. We are continuing to enhance our Product Builder module as well as a few third party integration enhancements.

On the Documentation front, we are continuing to build more documentation of our platform for you guys to review and follow. Our No-Code DIY digital originations platform continues to grow with your support.

The Decision Engine is at the heart of the bank's core business. Their ability to engage, cross-sell and earn their client’s wallet share is depended on a great deal of a smart decision engine.

What makes a great credit decision engine is its partnership ecosystem. It must have all of the top credit data providers, bank core, card management system as well loan management systems already in place for you to make the best decision possible. We want to talk about the importance of having a strong integration partner ecosystem and how it benefits you.

Are you paying tens of thousand for your credit decision engine that you barely look at? And whenever you want to make a change, hundreds of thousands dollars are spent on professional services with slow response time? We are uncovering the true cost of using a credit decision engine.

This week we bring you another update to our platform. In this update, we enhanced our Product Builder, we introduced a concept called Private Product, we integrated a few Third Party Providers and we cleaned up a few small bugs to make the Decision Tree Builder friendlier.

As some of you guys have noticed, we are adding a slew of sections on our website. We are building our Marketplace, Documentation. We will feature some of these sections in our up and coming write ups. If you want us to concentrate on certain section of the website, please contact us or write to us at info@lendapi.com

We've finished another exciting product update to our loan originations system. In this release, we updated the LendAPI Product Builder to have the ability to have risk based re-routing where an applicant can skip to different pages based on the information they provided as well as the data provided by third party and the decision rules's results.