Software / IT / Cloud Services
LendAPI
Location:
SU24
SU24
About LendAPI:
LendAPI is a B2B SaaS lending infrastructure platform built for credit unions, community banks, and fintech lenders. The platform combines a loan origination system (LOS), a decision engine, and Embarc, LendAPI's loan management system (LMS), into a single, configurable stack — replacing the patchwork of legacy systems that slow down modern lenders. At the core of LendAPI's platform are five modules: Rules Studio for building and managing custom underwriting logic without code, Model Studio for deploying and testing credit and risk models, Pricing Engine for dynamic, rules-based loan pricing, Decision Outcomes for automating approval, decline, and referral workflows, and Product Studio for rapidly configuring and launching new loan products. Embarc rounds out the stack post-origination, handling servicing and loan management so lenders can manage the full loan lifecycle on one platform. LendAPI's architecture connects lenders directly to a broad ecosystem of data and verification partners — including credit bureaus, cash-flow and alternative data providers, identity and fraud tools, and KYB/KYC services — so underwriting decisions can incorporate more signal without custom integration work for every source. The platform is designed to help lenders move faster: standing up new loan products in days rather than months, adapting underwriting criteria in real time, and scaling from thin-file and subprime consumer lending through prime and commercial use cases. LendAPI serves financial institutions that need enterprise-grade origination and decisioning capabilities without enterprise-grade implementation timelines. Founded in 2024 and headquartered in Irvine, California, LendAPI is led by Co-Founder & CEO Timothy Li.
LendAPI is a B2B SaaS lending infrastructure platform built for credit unions, community banks, and fintech lenders. The platform combines a loan origination system (LOS), a decision engine, and Embarc, LendAPI's loan management system (LMS), into a single, configurable stack — replacing the patchwork of legacy systems that slow down modern lenders. At the core of LendAPI's platform are five modules: Rules Studio for building and managing custom underwriting logic without code, Model Studio for deploying and testing credit and risk models, Pricing Engine for dynamic, rules-based loan pricing, Decision Outcomes for automating approval, decline, and referral workflows, and Product Studio for rapidly configuring and launching new loan products. Embarc rounds out the stack post-origination, handling servicing and loan management so lenders can manage the full loan lifecycle on one platform. LendAPI's architecture connects lenders directly to a broad ecosystem of data and verification partners — including credit bureaus, cash-flow and alternative data providers, identity and fraud tools, and KYB/KYC services — so underwriting decisions can incorporate more signal without custom integration work for every source. The platform is designed to help lenders move faster: standing up new loan products in days rather than months, adapting underwriting criteria in real time, and scaling from thin-file and subprime consumer lending through prime and commercial use cases. LendAPI serves financial institutions that need enterprise-grade origination and decisioning capabilities without enterprise-grade implementation timelines. Founded in 2024 and headquartered in Irvine, California, LendAPI is led by Co-Founder & CEO Timothy Li.