Lendio

Lendio is a small business lending marketplace that connects businesses with funding through a network of 75+ lenders. The platform offers a REST API for submitting loan applications, checking eligibility, connecting businesses with lenders, and managing loan products. Lendio provides Embedded Financing for service providers to integrate loan marketplace functionality, Intelligent Lending software for banks and lenders, and a Loan Performance Tracking API for high-volume lenders submitting bulk data records.

Lendio is listed with 2 APIs on the APIs.io network. Tagged areas include Lending, Small Business, Loans, Fintech, and Marketplace.

Lendio’s developer surface includes documentation, engineering blog, pricing, and 9 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

16.8/100 emerging ▬ flat Agent 1/100 human only Front door AI 2/6 trace saas Full breakdown ↓
scored 2026-10-23 · rubric v0.25.0 · Show this score on your site →

AccessFreeApproval

2 APIs

Lending Small Business Loans Fintech Marketplace Embedded Finance

Kin Score

Kin Score How this is scored →
scored 2026-10-23 · rubric v0.25.0

Composite quality — 16.8/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 2.0 / 17

Access Clarity 3.1 / 17

Operational Transparency 4.7 / 11

Contract Governance 0.0 / 10

Discoverability 5.6 / 9

Regulatory Posture 0.9 / 15

Agent readiness — 1/100 · 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 7 / 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

Pagination 5 / 5

Distinct Operations 3 / 3

Regulatory Posture applies to this provider. Its tags matched the Horizontal (data, software, accessibility, platform) 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/.

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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/lendio: 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 →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

APIs 2

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

Lendio Loan Marketplace API

REST API for connecting small businesses with lenders. Supports loan application submission, eligibility checking, lender matching, and loan product management. The Embedded Fin...

Lendio Loan Performance Tracking API

API integration for high-volume lenders that allows bulk submission of loan performance data. Supports up to 10,000 records per submission through custom code requests. Provides...

Pricing Plans 1

Published pricing tiers and plan structures.

Lendio Plans Pricing

3 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Lendio Rate Limits

1 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Lendio Finops

FINOPS

Security Posture 1

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

Lendio Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrg

GitHubOrg

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

StatusPage

StatusPage

RateLimits

RateLimits

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

Plans

Plans

FinOps

FinOps

Company 3

The organization behind the API

Website

Website

LinkedIn

Blog

Blog

Other 1

Properties that don't map to a standard resource type

Source (apis.yml)

aid: lendio
name: Lendio
description: Lendio is a small business lending marketplace that connects businesses with funding through a network of 75+
  lenders. The platform offers a REST API for submitting loan applications, checking eligibility, connecting businesses with
  lenders, and managing loan products. Lendio provides Embedded Financing for service providers to integrate loan marketplace
  functionality, Intelligent Lending software for banks and lenders, and a Loan Performance Tracking API for high-volume lenders
  submitting bulk data records.
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: free
  onboarding: approval
  trial: false
  try_now: false
  public: false
  label: Free · Requires approval
  confidence: medium
  source:
  - plans
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/lendio.png
url: https://raw.githubusercontent.com/api-evangelist/lendio/refs/heads/main/apis.yml
created: '2026-06-13'
modified: '2026-06-13'
specificationVersion: '0.23'
tags:
- Lending
- Small Business
- Loans
- Fintech
- Marketplace
- Embedded Finance
apis:
- aid: lendio:lendio-loan-marketplace-api
  name: Lendio Loan Marketplace API
  description: REST API for connecting small businesses with lenders. Supports loan application submission, eligibility checking,
    lender matching, and loan product management. The Embedded Financing API allows service providers to integrate the Lendio
    marketplace with a single JavaScript snippet and authentication API endpoint for secure customer data sharing.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.lendio.com/embedded-financing
  baseURL: https://api.lendio.com
  tags:
  - Lending
  - Loans
  - Small Business
  - Marketplace
  - Embedded Finance
  properties:
  - type: Documentation
    url: https://www.lendio.com/embedded-financing
  - type: ReleaseNotes
    url: https://www.lendio.com/product-updates
- aid: lendio:lendio-loan-performance-tracking-api
  name: Lendio Loan Performance Tracking API
  description: API integration for high-volume lenders that allows bulk submission of loan performance data. Supports up to
    10,000 records per submission through custom code requests. Provides transaction analytics by ingesting data directly
    from core systems via API or batched data import.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.lendio.com/product-updates/loan-performance-tracking
  baseURL: https://api.lendio.com
  tags:
  - Lending
  - Loan Performance
  - Analytics
  - Bulk Data
  properties:
  - type: Documentation
    url: https://www.lendio.com/product-updates/loan-performance-tracking
common:
- type: DomainSecurity
  url: security/lendio-domain-security.yml
- type: Website
  url: https://www.lendio.com
- type: Documentation
  url: https://www.lendio.com/embedded-financing
- type: GitHubOrg
  url: https://github.com/LendioDevs
- type: LinkedIn
  url: https://www.linkedin.com/company/lendio
- type: Blog
  url: https://www.lendio.com/blog
- type: Pricing
  url: https://www.lendio.com/embedded-financing
- type: StatusPage
  url: https://www.lendio.com/security
- type: X
  url: https://x.com/lendio
- type: Plans
  url: plans/lendio-plans-pricing.yml
- type: RateLimits
  url: rate-limits/lendio-rate-limits.yml
- type: FinOps
  url: finops/lendio-finops.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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