Finli

Finli is a financial technology platform serving two markets. For small and medium-sized businesses it provides a full digital back office — professional invoicing and quoting, payment processing (ACH, credit card, and Apple Pay), customer relationship management, inventory tracking, and autopay. For banks and credit unions it delivers those same tools as a white-labeled offering so financial institutions can attract and deepen small-business relationships, keep deposits, and own their customer data without taking on operational risk. Finli is SOC 2 Type II certified and PCI DSS compliant, and was founded by CEO Lori Shao. Added to the API Evangelist network as a Techstars portfolio company; Finli publishes no public developer API at this time.

Finli is profiled on the APIs.io network. Tagged areas include Company, Fintech, Payments, Invoicing, and Small Business.

Finli’s developer surface includes engineering blog, pricing, signup flow, support, and 9 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

18.7/100 emerging ▬ flat Agent 0/100 human only Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-10-17 · rubric v0.24.0

0 APIs

Company Fintech Payments Invoicing Small Business Billing Banking ACH

Kin Score

Kin Score How this is scored →
scored 2026-10-17 · rubric v0.24.0

Composite quality — 18.7/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 1.2 / 17

Access Clarity 8.9 / 17

Operational Transparency 0.0 / 11

Contract Governance 1.9 / 10

Discoverability 4.1 / 9

Regulatory Posture 2.8 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/finli: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

NACHA

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Finli Domain Security

TLSv1.3 · DMARC

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

SignUp

SignUp

Login

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conformance

Conformance

Access & Security 2

Authentication, authorization, and security posture

Compliance

Compliance

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 4

The organization behind the API

Blog

BlogRSS

Website

Blog

Source (apis.yml)

aid: finli
name: Finli
description: Finli is a financial technology platform serving two markets. For small and medium-sized businesses it provides
  a full digital back office — professional invoicing and quoting, payment processing (ACH, credit card, and Apple Pay), customer
  relationship management, inventory tracking, and autopay. For banks and credit unions it delivers those same tools as a
  white-labeled offering so financial institutions can attract and deepen small-business relationships, keep deposits, and
  own their customer data without taking on operational risk. Finli is SOC 2 Type II certified and PCI DSS compliant, and
  was founded by CEO Lori Shao. Added to the API Evangelist network as a Techstars portfolio company; Finli publishes no public
  developer API at this time.
url: https://raw.githubusercontent.com/api-evangelist/finli/refs/heads/main/apis.yml
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://finli.com/wp-content/uploads/2021/11/cropped-finli_circle_blue-larger-192x192.png
x-type: company
x-source: vc-portfolio
x-backed-by:
- techstars
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-10-06'
tags:
- Company
- Fintech
- Payments
- Invoicing
- Small Business
- Billing
- Banking
- ACH
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- url: https://finli.com/insights/
  type: Blog
- url: https://finli.com/feed/
  type: BlogRSS
- type: Website
  url: https://finli.com/
- type: Pricing
  url: https://finli.com/pricing
- type: SignUp
  url: https://portal.finli.com/signup
- type: Login
  url: https://portal.finli.com/login
- type: Support
  url: https://support.finli.com/
- type: Blog
  url: https://finli.com/learning-center
- type: TermsOfService
  url: https://finli.com/terms-and-conditions/
- type: PrivacyPolicy
  url: https://finli.com/privacy-policy/
- type: Compliance
  url: https://finli.com/compliance
- type: Conformance
  url: conformance/finli-conformance.yml
- type: DomainSecurity
  url: security/finli-domain-security.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/finli"

All providers

curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/finli/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/finli/evidence"

Discovery needs no key. Ratings and market analysis are Pro.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.