How does the financing step fit into our checkout?

You link to a LendAPI application that runs on your domain with your logo and colors, and the shopper is sent back to a URL you set when they finish. Applications can also be created over the REST API if you want to collect the data in your own screens.

How is the credit decision made?

When the application is submitted, the flow you built runs: identity (Prove, Socure, Plaid), bank data (Plaid, Finicity), bureau data (Equifax, TransUnion, Experian) and fraud signals (SentiLink, Ekata) feed a versioned decision tree. The outcome comes back in the same session.

Can we show more than one payment plan?

Yes. Versioned pricing tables turn an approval into offers with different terms and rates, and the shopper picks one inside the application. Terms are set per product.

How do decisions and loan events reach our system?

Register a webhook per product and choose which application variables it carries. After funding, embARC sends loan, installment-due, payment and funding events to your endpoints, and both systems expose REST APIs.

Can ARC AI tell us why a shopper was declined?

Yes. On the application's ARC tab, ask why. ARC reads that file's provider results and decision path and names the rule. It can draft the follow-up email, which goes out only after you confirm.

Product

Solutions

Resources

Partners

Pricing

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Product

Origination, decisioning, servicing

Solutions

For banks, credit unions and lenders

Resources

Blog, academy and company

Partners

Pricing

Learn more

Product

Origination, decisioning, servicing

Solutions

For banks, credit unions and lenders

Resources

Blog, academy and company

Partners

Pricing

Learn more

Embedded Finance

Together, let’s envision a future where businesses drive a more inclusive and efficient financial ecosystem.

Learn more

Try it yourself

We provide the complete stack to help you build your embedded finance solution.

Boost Conversion

Customers are more likely to complete larger purchases with flexible payment options.

Boost Conversion

Customers are more likely to complete larger purchases with flexible payment options.

Real-Time Decisioning

LendAPI instantly approves or declines, keeping the checkout flow uninterrupted.

Real-Time Decisioning

LendAPI instantly approves or declines, keeping the checkout flow uninterrupted.

Customizable Loan Terms

Tailor interest rates, repayment periods, and credit criteria to fit your risk tolerance.

Customizable Loan Terms

Tailor interest rates, repayment periods, and credit criteria to fit your risk tolerance.

How it Works

With a single click, shoppers can choose to finance through LendAPI, speeding up the decision process and reducing cart abandonment.

LendAPI’s real-time underwriting runs behind the scenes, so you can provide instant approvals without slowing down the checkout flow.

Present your customers with multiple APR and repayment options, letting them pick the plan that best fits their budget.

WHY CHOOSE

LendAPI for Embedded Finance

Purpose-Built APIs, Secure and Scalable—Engineered for Modern E-Commerce

Easy Integration

Our developer-friendly platform offers ready-to-use SDKs and clear documentation. Add financing to your site with minimal code and zero headaches.

Compliance & Security

We handle KYC/AML checks, encryption, and data protection. Focus on growing sales, knowing your financing partner meets strict compliance standards.

Compliance & Security

Offering financing in multiple regions or currencies broadens your reach and makes cross-border selling simple

Hear from our clients

FINANCE

$35M [ SERIES B ]

Sustainable Financing Reimagined with Enervee

Read case study

FAQ

Questions embedded lenders ask us

Don’t see yours? Bring it to a demo.

It's the system a merchant or platform uses to offer financing inside its own checkout, under its own brand. LendAPI supplies the application, identity and bank checks, the credit decision, pricing, the contract and e-signature, and services the loan after funding.