Introduction
LendAPI, the leading decisioning and lending orchestration platform, is proud to announce a strategic partnership with Lendiant LLC, a trusted name in loan servicing, compliance, and portfolio management. Together, the two companies are launching a next-generation Lending-as-a-Service (LaaS) model, combining state-of-the-art technology with decades of industry experience in customer onboarding, credit risk modeling, fraud detection, compliance, and collections.
This partnership brings together best-in-class tools and proven expertise to create a vertically integrated lending infrastructure for financial institutions, fintechs, and non-bank lenders. By combining modern lending technology with deep operational know-how, the new model is set to raise the bar for what it means to launch and scale consumer lending programs.
Technology That Scales
At the heart of this collaboration is a powerful blend of platforms: LendAPI’s modular Lending Operating System (LOS) and Lendiant’s comprehensive but flexible portfolio management solutions robust Loan Management System (LMS). LendAPI brings automation and agility to the front-end of lending—handling originations, underwriting, KYC, fraud prevention, and
decisioning with ease. Lendiant complements this with deep expertise to configure and a proven LMS that manages loan servicing, payments, customer interactions, and regulatory compliance, and most importantly, capital deployment strategy to accelerate cash flow and return on equity reporting. Together, this full stack solution allows lenders to go to market faster with a complete, customizable lending infrastructure.
"This is the perfect match. LendAPI’s strength in customer onboarding, real-time underwriting, and decisioning fits hand-in-glove with Lendiant’s mastery in servicing, collections, and compliance. Together, we’re closing the gap between originations and servicing—giving lenders everything they need to launch and scale with confidence."
Timothy Li, CEO and Co-Founder of LendAPI
Best-in-Class Servicing and Compliance
Lendiant has built its reputation on decades of hands-on experience in multi-channel originations, underwriting, analytics, customer service, collections, and legal compliance. From first contact through final resolution, Lendiant unravels the complexities’s of consumer lending, team knows how to navigate the complexities customer acquisition to of servicing,
while maintaining high borrower satisfaction and fully adhering to the ever-changing regulatory environment. With in-house legal and compliance experts, the platform is built for scale while mitigating risk. This expertise ensures the full loan lifecycle is supported—from origination to charge-off—with precision and integrity.
"LendAPI and Lendiant share the same vision. Lenders shouldn't have to choose between best-in-class technology and reliable operations. This partnership brings both to the table—pairing cutting-edge automation with time-tested servicing and compliance expertise. We’re excited to build the future of Lending-as-a-Service together."
Vincent Zhang, SVP Strategy for Founder and Managing Partner of Lendiant
Unmatched Industry Knowledge
What sets this partnership apart is the depth of experience behind the technology. Between LendAPI and Lendiant, the leadership team has decades of real-world experience in building, managing, and scaling personal loan portfolios across various credit spectrums and economic cycles. This hands-on knowledge—spanning analytics, compliance, underwriting, and
operations—means lenders can tap into more than just software; they gain access to strategic insights and operational playbooks that are often out of reach for new investors and operatorsentrants.
The Future of Lending-as-a-Service
This joint offering is more than a technical integration—it’s a full-stack solution backed by teams who’ve built lending programs from the ground up. From day one, lenders will be able to launch compliant, data-driven, scalable portfolios with confidence. Whether you’re a fintech looking to launch quickly or a traditional lender seeking modernization, this next-generation LaaS model delivers a new standard in speed, compliance, and customer care.
About LendAPI
LendAPI is a decisioning and orchestration engine powering the future of lending. With a flexible API platform, LendAPI helps fintechs and financial institutions launch new credit products quickly and compliantly. Its modular architecture supports instant onboarding, real-time underwriting, and seamless third-party integrations