Bring Embedded Lending to the Aisle, Not Just Online

Enable your customers to finance purchases directly at the store counter with instant approvals and seamless checkout. LendAPI powered in-store financing flows are built for retail & designed for speed.

Start for free

Built for the In-Store Experience

Built for In-Store Experience

Close in Under 5 Minutes

Quick flows designed for busy showrooms. Customers complete the process without leaving the sales floor.

Sales Rep-Friendly UI

Tablet-first customizable designs with intuitive offer selection and on-screen eSignature. No training required.

Sales Rep-Friendly UI

Tablet-first customizable designs with intuitive offer selection and on-screen eSignature. No training required.

Offline-Resilient Logic

Preloaded rules and local caching ensure approvals even with spotty Wi-Fi or kiosk conditions.

In-Store Lending with LendAPI

Let shoppers check eligibility in seconds via text, QR code, or sales agent entry.

Soft credit checks via API
Mobile-first or device-based UI
Configurable pre-qualification logic

Let shoppers check eligibility in seconds via text, QR code, or sales agent entry.

Soft credit checks via API
Mobile-first or device-based UI
Configurable pre-qualification logic

Display offers based on product value, cart total, or risk rules, without leaving the sales floor.

Real-time offer calculation via Pricing Engine
Dynamic term displays
Custom UI for POS or kiosks

Display offers based on product value, cart total, or risk rules, without leaving the sales floor.

Real-time offer calculation via Pricing Engine
Dynamic term displays
Custom UI for POS or kiosks

No paper needed. Complete agreements digitally with integrated eSign and ID verification.

Instant e-sign on tablets or user phones
KYC + multi-party signer logic
Prebuilt or custom contract templates

No paper needed. Complete agreements digitally with integrated eSign and ID verification.

Instant e-sign on tablets or user phones
KYC + multi-party signer logic
Prebuilt or custom contract templates

Send funds directly to merchant account or mark as “paid” in the system, no waiting needed.

Instant webhook + disbursement logic
POS sync with order management
Options for third-party financing or internal funding

Send funds directly to merchant account or mark as “paid” in the system, no waiting needed.

Instant webhook + disbursement logic
POS sync with order management
Options for third-party financing or internal funding

Manage repayment with calendar logic, reminders, and CRM sync.

Built-in repayment engine
Webhooks for CRM or collections
Alerts, reminders, and payment history APIs

Manage repayment with calendar logic, reminders, and CRM sync.

Built-in repayment engine
Webhooks for CRM or collections
Alerts, reminders, and payment history APIs

WHY CHOOSE

LendAPI for In-Store Lending?

Modular infrastructure built for lending, designed to help you launch and scale with speed and precision.

Built for In-Store Simplicity

No clunky terminals or new hardware. Just QR codes, POS embeds, or agent-assisted flow.

Fully Modular

Use only what you need; Pricing, Contracts, Repayment, or all of it. LendAPI adapts to your checkout flow.

ROI Focused Tracking

Track adoption, repayment, delinquencies, and offer performance across stores and agents.