LendAPI website screenshot

LendAPI

LendAPI is a no-code / low-code loan origination and digital account-opening platform for banks, credit unions, fintechs and embedded-finance programs. Its Product Studio lets teams assemble a lending product -- application form, underwriting logic, pricing and servicing -- without writing code, backed by a versioned decision engine, a versioned pricing engine, DocAI document processing, UnderwriteAI and ARC AI scoring, KYC/KYB verification, two-way SMS, virtual cards and the Embarc loan management system. A marketplace of pre-integrated data partners covers credit bureaus, identity verification, open banking, cash-flow analytics and income verification. The REST API documented at developer.lendapi.com exposes the same primitives programmatically: create and advance applications, run decisions and pricing, manage tenant-defined variables and sub-tenants, pull bureau credit reports, compute amortization schedules and score credit risk. LendAPI is SOC 2 Type 2 attested and serves use cases across point-of-sale finance, buy-now-pay-later, auto lending, fix-and-flip, retail in-store lending and embedded finance.

LendAPI publishes 13 APIs on the APIs.io network, including Amortization API, Application API, Credit Risk API, and 10 more. Tagged areas include Company, Lending, Loan Origination, Financial Services, and Fintech.

The LendAPI catalog on APIs.io includes 1 event-driven AsyncAPI specification.

LendAPI’s developer surface includes documentation, API reference, getting-started guide, support, engineering blog, pricing, signup flow, and 29 more developer resources.

🌐 Visit website 📡 Source on GitHub
55.6/100 developing ▬ flat Agent 61/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
13 APIs 1 MCP Servers
CompanyLendingLoan OriginationFinancial ServicesFintechEmbedded FinanceUnderwritingDecision EngineCreditBankingAccount OpeningKYCKYBBuy Now Pay LaterPoint of Sale

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 55.6/100 · developing
Contract Quality 16.9 / 25
Developer Ergonomics 14.8 / 20
Commercial Clarity 10.5 / 20
Operational Transparency 1.7 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 61/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 0 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 0 / 3
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/lendapi: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 13

Individual APIs this provider publishes, each with its own machine-readable definition.

LendAPI Amortization API

The Amortization API from LendAPI — 1 operation(s) for amortization.

LendAPI Application API

The Application API from LendAPI — 3 operation(s) for application.

LendAPI Credit Risk API

The Credit Risk API from LendAPI — 1 operation(s) for credit risk.

LendAPI Decision API

The Decision API from LendAPI — 3 operation(s) for decision.

LendAPI Decisions API

The Decisions API from LendAPI — 1 operation(s) for decisions.

LendAPI Get App Credit Report API

The Get App Credit Report API from LendAPI — 1 operation(s) for get app credit report.

LendAPI Outcomes API

The Outcomes API from LendAPI — 1 operation(s) for outcomes.

LendAPI Page Submit API

The Page Submit API from LendAPI — 1 operation(s) for page submit.

LendAPI Pricing Engine API

The Pricing Engine API from LendAPI — 3 operation(s) for pricing engine.

LendAPI Pricing Engines API

The Pricing Engines API from LendAPI — 1 operation(s) for pricing engines.

LendAPI Sub Tenant API

The Sub Tenant API from LendAPI — 2 operation(s) for sub tenant.

LendAPI Sub Tenants API

The Sub Tenants API from LendAPI — 1 operation(s) for sub tenants.

LendAPI Variable API

The Variable API from LendAPI — 1 operation(s) for variable.

Scroll for all 13

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

lendapi-mcp.yml

MCP SERVER

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Lendapi Webhooks

ASYNCAPI

Security Posture 2

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

Lendapi Authentication

apiKey · 1 scheme

SECURITY

Lendapi Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted
 SignUp
SignUp
 Sandbox
Sandbox

Documentation 3

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference
 OpenAPI
OpenAPI

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

MCPServer
MCPServer
 AgentSkill
AgentSkill
 LLMsTxt
LLMsTxt
 WellKnown
WellKnown

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 Conformance
Conformance
 DataModel
DataModel
 Webhooks
Webhooks

Build 2

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization
 Packages
Packages

Access & Security 3

Authentication, authorization, and security posture

Compliance
Compliance
 Authentication
Authentication
 DomainSecurity
DomainSecurity

Learn 1

Tutorials, courses, talks, and written guidance

YouTube
YouTube

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

Website
Website
 Blog
Blog
 LinkedIn
LinkedIn
 Twitter
Twitter

Other 5

Properties that don't map to a standard resource type

Overlay
Overlay
 Marketplace
Marketplace
 Customers
Customers
 Events
Events
 Podcast
Podcast

Source (apis.yml)

apis.yml Raw ↑ 
aid: lendapi
name: LendAPI
description: 'LendAPI is a no-code / low-code loan origination and digital account-opening platform for banks, credit unions,
  fintechs and embedded-finance programs. Its Product Studio lets teams assemble a lending product -- application form, underwriting
  logic, pricing and servicing -- without writing code, backed by a versioned decision engine, a versioned pricing engine,
  DocAI document processing, UnderwriteAI and ARC AI scoring, KYC/KYB verification, two-way SMS, virtual cards and the Embarc
  loan management system. A marketplace of pre-integrated data partners covers credit bureaus, identity verification, open
  banking, cash-flow analytics and income verification. The REST API documented at developer.lendapi.com exposes the same
  primitives programmatically: create and advance applications, run decisions and pricing, manage tenant-defined variables
  and sub-tenants, pull bureau credit reports, compute amortization schedules and score credit risk. LendAPI is SOC 2 Type
  2 attested and serves use cases across point-of-sale finance, buy-now-pay-later, auto lending, fix-and-flip, retail in-store
  lending and embedded finance.'
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://files.readme.io/8262098-Logo_Black.png
url: https://raw.githubusercontent.com/api-evangelist/lendapi/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- techstars
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Lending
- Loan Origination
- Financial Services
- Fintech
- Embedded Finance
- Underwriting
- Decision Engine
- Credit
- Banking
- Account Opening
- KYC
- KYB
- Buy Now Pay Later
- Point of Sale
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- aid: lendapi:lendapi-amortization-api
  name: LendAPI Amortization API
  description: The Amortization API from LendAPI — 1 operation(s) for amortization.
  humanURL: https://developer.lendapi.com/reference/introduction
  baseURL: https://app.lendapi.com/api/v1/
  tags:
  - Amortization
  properties:
  - type: OpenAPI
    url: openapi/lendapi-amortization-api-openapi.yml
  - type: Documentation
    url: https://developer.lendapi.com/reference/introduction
  - type: APIReference
    url: https://developer.lendapi.com/reference/introduction
  - type: Webhooks
    url: https://developer.lendapi.com/reference/event-types
  - type: ErrorCatalog
    url: errors/lendapi-problem-types.yml
  - type: DataModel
    url: data-model/lendapi-data-model.yml
- aid: lendapi:lendapi-application-api
  name: LendAPI Application API
  description: The Application API from LendAPI — 3 operation(s) for application.
  humanURL: https://developer.lendapi.com/reference/introduction
  baseURL: https://app.lendapi.com/api/v1/
  tags:
  - Application
  properties:
  - type: OpenAPI
    url: openapi/lendapi-application-api-openapi.yml
  - type: Documentation
    url: https://developer.lendapi.com/reference/introduction
  - type: APIReference
    url: https://developer.lendapi.com/reference/introduction
  - type: Webhooks
    url: https://developer.lendapi.com/reference/event-types
  - type: ErrorCatalog
    url: errors/lendapi-problem-types.yml
  - type: DataModel
    url: data-model/lendapi-data-model.yml
- aid: lendapi:lendapi-credit-risk-api
  name: LendAPI Credit Risk API
  description: The Credit Risk API from LendAPI — 1 operation(s) for credit risk.
  humanURL: https://developer.lendapi.com/reference/introduction
  baseURL: https://app.lendapi.com/api/v1/
  tags:
  - Credit Risk
  properties:
  - type: OpenAPI
    url: openapi/lendapi-credit-risk-api-openapi.yml
  - type: Documentation
    url: https://developer.lendapi.com/reference/introduction
  - type: APIReference
    url: https://developer.lendapi.com/reference/introduction
  - type: Webhooks
    url: https://developer.lendapi.com/reference/event-types
  - type: ErrorCatalog
    url: errors/lendapi-problem-types.yml
  - type: DataModel
    url: data-model/lendapi-data-model.yml
- aid: lendapi:lendapi-decision-api
  name: LendAPI Decision API
  description: The Decision API from LendAPI — 3 operation(s) for decision.
  humanURL: https://developer.lendapi.com/reference/introduction
  baseURL: https://app.lendapi.com/api/v1/
  tags:
  - Decision
  properties:
  - type: OpenAPI
    url: openapi/lendapi-decision-api-openapi.yml
  - type: Documentation
    url: https://developer.lendapi.com/reference/introduction
  - type: APIReference
    url: https://developer.lendapi.com/reference/introduction
  - type: Webhooks
    url: https://developer.lendapi.com/reference/event-types
  - type: ErrorCatalog
    url: errors/lendapi-problem-types.yml
  - type: DataModel
    url: data-model/lendapi-data-model.yml
- aid: lendapi:lendapi-decisions-api
  name: LendAPI Decisions API
  description: The Decisions API from LendAPI — 1 operation(s) for decisions.
  humanURL: https://developer.lendapi.com/reference/introduction
  baseURL: https://app.lendapi.com/api/v1/
  tags:
  - Decisions
  properties:
  - type: OpenAPI
    url: openapi/lendapi-decisions-api-openapi.yml
  - type: Documentation
    url: https://developer.lendapi.com/reference/introduction
  - type: APIReference
    url: https://developer.lendapi.com/reference/introduction
  - type: Webhooks
    url: https://developer.lendapi.com/reference/event-types
  - type: ErrorCatalog
    url: errors/lendapi-problem-types.yml
  - type: DataModel
    url: data-model/lendapi-data-model.yml
- aid: lendapi:lendapi-get-app-credit-report-api
  name: LendAPI Get App Credit Report API
  description: The Get App Credit Report API from LendAPI — 1 operation(s) for get app credit report.
  humanURL: https://developer.lendapi.com/reference/introduction
  baseURL: https://app.lendapi.com/api/v1/
  tags:
  - Get App Credit Report
  properties:
  - type: OpenAPI
    url: openapi/lendapi-get-app-credit-report-api-openapi.yml
  - type: Documentation
    url: https://developer.lendapi.com/reference/introduction
  - type: APIReference
    url: https://developer.lendapi.com/reference/introduction
  - type: Webhooks
    url: https://developer.lendapi.com/reference/event-types
  - type: ErrorCatalog
    url: errors/lendapi-problem-types.yml
  - type: DataModel
    url: data-model/lendapi-data-model.yml
- aid: lendapi:lendapi-outcomes-api
  name: LendAPI Outcomes API
  description: The Outcomes API from LendAPI — 1 operation(s) for outcomes.
  humanURL: https://developer.lendapi.com/reference/introduction
  baseURL: https://app.lendapi.com/api/v1/
  tags:
  - Outcomes
  properties:
  - type: OpenAPI
    url: openapi/lendapi-outcomes-api-openapi.yml
  - type: Documentation
    url: https://developer.lendapi.com/reference/introduction
  - type: APIReference
    url: https://developer.lendapi.com/reference/introduction
  - type: Webhooks
    url: https://developer.lendapi.com/reference/event-types
  - type: ErrorCatalog
    url: errors/lendapi-problem-types.yml
  - type: DataModel
    url: data-model/lendapi-data-model.yml
- aid: lendapi:lendapi-page-submit-api
  name: LendAPI Page Submit API
  description: The Page Submit API from LendAPI — 1 operation(s) for page submit.
  humanURL: https://developer.lendapi.com/reference/introduction
  baseURL: https://app.lendapi.com/api/v1/
  tags:
  - Page Submit
  properties:
  - type: OpenAPI
    url: openapi/lendapi-page-submit-api-openapi.yml
  - type: Documentation
    url: https://developer.lendapi.com/reference/introduction
  - type: APIReference
    url: https://developer.lendapi.com/reference/introduction
  - type: Webhooks
    url: https://developer.lendapi.com/reference/event-types
  - type: ErrorCatalog
    url: errors/lendapi-problem-types.yml
  - type: DataModel
    url: data-model/lendapi-data-model.yml
- aid: lendapi:lendapi-pricing-engine-api
  name: LendAPI Pricing Engine API
  description: The Pricing Engine API from LendAPI — 3 operation(s) for pricing engine.
  humanURL: https://developer.lendapi.com/reference/introduction
  baseURL: https://app.lendapi.com/api/v1/
  tags:
  - Pricing Engine
  properties:
  - type: OpenAPI
    url: openapi/lendapi-pricing-engine-api-openapi.yml
  - type: Documentation
    url: https://developer.lendapi.com/reference/introduction
  - type: APIReference
    url: https://developer.lendapi.com/reference/introduction
  - type: Webhooks
    url: https://developer.lendapi.com/reference/event-types
  - type: ErrorCatalog
    url: errors/lendapi-problem-types.yml
  - type: DataModel
    url: data-model/lendapi-data-model.yml
- aid: lendapi:lendapi-pricing-engines-api
  name: LendAPI Pricing Engines API
  description: The Pricing Engines API from LendAPI — 1 operation(s) for pricing engines.
  humanURL: https://developer.lendapi.com/reference/introduction
  baseURL: https://app.lendapi.com/api/v1/
  tags:
  - Pricing Engines
  properties:
  - type: OpenAPI
    url: openapi/lendapi-pricing-engines-api-openapi.yml
  - type: Documentation
    url: https://developer.lendapi.com/reference/introduction
  - type: APIReference
    url: https://developer.lendapi.com/reference/introduction
  - type: Webhooks
    url: https://developer.lendapi.com/reference/event-types
  - type: ErrorCatalog
    url: errors/lendapi-problem-types.yml
  - type: DataModel
    url: data-model/lendapi-data-model.yml
- aid: lendapi:lendapi-sub-tenant-api
  name: LendAPI Sub Tenant API
  description: The Sub Tenant API from LendAPI — 2 operation(s) for sub tenant.
  humanURL: https://developer.lendapi.com/reference/introduction
  baseURL: https://app.lendapi.com/api/v1/
  tags:
  - Sub Tenant
  properties:
  - type: OpenAPI
    url: openapi/lendapi-sub-tenant-api-openapi.yml
  - type: Documentation
    url: https://developer.lendapi.com/reference/introduction
  - type: APIReference
    url: https://developer.lendapi.com/reference/introduction
  - type: Webhooks
    url: https://developer.lendapi.com/reference/event-types
  - type: ErrorCatalog
    url: errors/lendapi-problem-types.yml
  - type: DataModel
    url: data-model/lendapi-data-model.yml
- aid: lendapi:lendapi-sub-tenants-api
  name: LendAPI Sub Tenants API
  description: The Sub Tenants API from LendAPI — 1 operation(s) for sub tenants.
  humanURL: https://developer.lendapi.com/reference/introduction
  baseURL: https://app.lendapi.com/api/v1/
  tags:
  - Sub Tenants
  properties:
  - type: OpenAPI
    url: openapi/lendapi-sub-tenants-api-openapi.yml
  - type: Documentation
    url: https://developer.lendapi.com/reference/introduction
  - type: APIReference
    url: https://developer.lendapi.com/reference/introduction
  - type: Webhooks
    url: https://developer.lendapi.com/reference/event-types
  - type: ErrorCatalog
    url: errors/lendapi-problem-types.yml
  - type: DataModel
    url: data-model/lendapi-data-model.yml
- aid: lendapi:lendapi-variable-api
  name: LendAPI Variable API
  description: The Variable API from LendAPI — 1 operation(s) for variable.
  humanURL: https://developer.lendapi.com/reference/introduction
  baseURL: https://app.lendapi.com/api/v1/
  tags:
  - Variable
  properties:
  - type: OpenAPI
    url: openapi/lendapi-variable-api-openapi.yml
  - type: Documentation
    url: https://developer.lendapi.com/reference/introduction
  - type: APIReference
    url: https://developer.lendapi.com/reference/introduction
  - type: Webhooks
    url: https://developer.lendapi.com/reference/event-types
  - type: ErrorCatalog
    url: errors/lendapi-problem-types.yml
  - type: DataModel
    url: data-model/lendapi-data-model.yml
common:
- type: Website
  url: https://lendapi.com/
- type: DeveloperPortal
  url: https://www.lendapi.com/developers
- type: Documentation
  url: https://developer.lendapi.com/reference/introduction
- type: APIReference
  url: https://developer.lendapi.com/reference/introduction
- type: GettingStarted
  url: https://www.lendapi.com/academy
- type: Support
  url: https://www.lendapi.com/contact
- type: Blog
  url: https://www.lendapi.com/blog
- type: GitHubOrganization
  url: https://github.com/LendAPI
- type: Pricing
  url: https://www.lendapi.com/pricing
- type: SignUp
  url: https://app.lendapi.com/login/
- type: TermsOfService
  url: https://www.lendapi.com/terms-of-service
- type: PrivacyPolicy
  url: https://www.lendapi.com/privacy-notice
- type: Compliance
  url: https://www.lendapi.com/blog/lendapi-achieves-soc-2-type-2-compliance
- type: OpenAPI
  url: openapi/lendapi-openapi.json
- type: Overlay
  url: overlays/lendapi-openapi-overlay.yaml
- type: Authentication
  url: authentication/lendapi-authentication.yml
- type: Conventions
  url: conventions/lendapi-conventions.yml
- type: ErrorCatalog
  url: errors/lendapi-problem-types.yml
- type: Lifecycle
  url: lifecycle/lendapi-lifecycle.yml
- type: Conformance
  url: conformance/lendapi-conformance.yml
- type: DataModel
  url: data-model/lendapi-data-model.yml
- type: Sandbox
  url: sandbox/lendapi-sandbox.yml
- type: Webhooks
  url: asyncapi/lendapi-webhooks.yml
- type: MCPServer
  url: mcp/lendapi-mcp.yml
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/lendapi-llms.txt
- type: WellKnown
  url: well-known/lendapi-well-known.yml
- type: Packages
  url: packages/lendapi-packages.yml
- type: DomainSecurity
  url: security/lendapi-domain-security.yml
- type: Marketplace
  url: https://www.lendapi.com/marketplace
- type: Customers
  url: https://www.lendapi.com/customers
- type: Events
  url: https://www.lendapi.com/events
- type: Podcast
  url: https://www.lendapi.com/podcast
- type: LinkedIn
  url: https://www.linkedin.com/company/lendapi/
- type: Twitter
  url: https://x.com/LendAPI
- type: YouTube
  url: https://www.youtube.com/@LendAPI
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence