In this episode of the LendAPI Partner Podcast, host Timothy Li, Founder & CEO of LendAPI, sits down with Steven Ma, CEO of PonyMoney, a Texas‑based personal lending company focused on delivering fast, hassle‑free installment loans. Steven shares how PonyMoney built a modern lending operation around flexibility, rapid experimentation, and borrower‑friendly experiences—and why they chose LendAPI as their core lending technology partner.
What You’ll Learn:
Why Steven founded PonyMoney and the specific gaps he saw in traditional personal lending around speed, transparency, and product flexibility.
The challenges PonyMoney faced with legacy loan origination systems and decision engines, from rigid integrations to limited control over underwriting rules and pricing.
How PonyMoney uses LendAPI’s flexible, API‑driven platform to run A/B tests on underwriting strategies, plug into cash‑flow data providers, and update rules in real time—without vendor tickets or long release cycles.
The impact of this setup on approval rates, portfolio performance, and operational efficiency, including faster launch of new products and smoother borrower journeys.
Steven’s view on the future of consumer lending—from cash‑flow underwriting to embedded lending experiences—and how partners like LendAPI help lenders stay ahead of the curve.
About PonyMoney
PonyMoney is a consumer lending operator dedicated to providing individuals with simple, transparent, and quickly funded installment loans. By combining data‑driven underwriting with a digital‑first experience, PonyMoney helps borrowers access credit with less friction while giving its team full control over product design, risk strategies, and pricing. Powered by LendAPI’s integrated LOS and decision engine, PonyMoney can test, iterate, and scale new lending programs at startup speed without sacrificing compliance or control.
Listen now to learn how PonyMoney and LendAPI partnered to create a more flexible, experiment‑driven lending platform
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