Carleton delivers compliant payment calculation, lending document generation, and audit APIs tracked across all 50 states, giving lenders accurate disclosures and compliant loan documents without building regulatory logic in-house.
About Carleton
Carleton has spent more than 50 years building compliant financial calculation and documentation infrastructure for the consumer lending industry. Its suite spans CarletonCalcs (payment calculation and compliance-validation APIs for loan/lease origination and servicing), CarletonDocs (generation and distribution of compliant lending, state, and internal documents), CarletonAccess (a configurable "what-if" scenario interface for credit insurance and other add-on products), and CarletonAudit (independent compliance validation and portfolio auditing, backed by in-house compliance attorneys). Carleton tracks regulatory requirements across all 50 states and embeds them directly into its calculation and document logic, so payment structures, disclosures, and paperwork stay compliant as rules change.
Ideal use cases
Loan and lease origination flows that need accurate, state- and federal-compliant payment calculations, APR/finance charge disclosures, and payment waterfalls.
Generating and distributing compliant lending, state-required, and internal documents at signing or closing without maintaining that logic in-house.
Structuring and disclosing credit insurance or other add-on protection products through a compliant "what-if" scenario workflow.
Independent compliance audits of an existing loan portfolio or calculation logic ahead of an exam or system migration.
Example workflows with LendAPI
Call CarletonCalcs as a payment-calculation and compliance-validation step inside a LendAPI flow, so state- and product-specific payment structures, APR, and disclosures are computed and validated automatically during origination — configurable per client across auto, student, mortgage, or direct/indirect lending products.
Trigger CarletonDocs at the closing step of a LendAPI flow to generate and distribute the compliant document package (lending, state, and internal documents) alongside LendAPI's own Contract Builder and eSign flow.
Run CarletonAudit as a periodic or on-demand compliance check against a client's loan portfolio or calculation configuration — a servicing-side workflow rather than a one-time integration.
For more information please visit www.carletoninc.com
