Lendtable

Lendtable was a US consumer fintech that extended a line of credit so individuals could afford to max out employer-sponsored benefits they would otherwise leave on the table — primarily the employer 401(k) match and Employee Stock Purchase Plans (ESPP). In its own words: "Lendtable gives a line of credit to help individuals get their employer 401(k) match and ESPP." The product advanced cash against a user's paycheck contributions and took a share of the resulting gains, and was distributed direct-to-consumer and through employers via a Lendtable for Business offering, alongside an iOS app and a Zendesk help center. Lendtable was backed by Partech among others. The company now appears defunct: lendtable.com, the blog, and all product paths return HTTP 402 DEPLOYMENT_DISABLED (probed 2026-07-19), the iOS App Store listing is delisted, and the last successful Internet Archive capture of the live site is 2024-12-06. DNS, Google Workspace mail (MX/SPF/DMARC) and the GitHub organization remain registered. No public API, developer portal, or machine-readable API artifacts were ever published by this company.

Lendtable is profiled on the APIs.io network. Tagged areas include Company, Financial Services, Fintech, Consumer Lending, and Retirement.

🌐 Visit website 📡 Source on GitHub
0.0/100 minimal Agent 0/100 human only Full breakdown ↓
scored 2026-09-25 · rubric v0.23.0
0 APIs
CompanyFinancial ServicesFintechConsumer LendingRetirement401kESPPEmployee BenefitsPersonal FinanceDefunct

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-09-25 · rubric v0.23.0
Composite quality — 0.0/100 · minimal
Contract Quality 0.0 / 21
Developer Ergonomics 0.0 / 17
Access Clarity 0.0 / 17
Operational Transparency 0.0 / 11
Contract Governance 0.0 / 10
Discoverability 0.0 / 9
Regulatory Posture 0.9 / 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 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/.
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/lendtable: 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 →

Security Posture 1

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

Lendtable Domain Security

TLSv1.3 · DMARC

SECURITY

Resources

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt
LLMsTxt

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity

Company 5

The organization behind the API

Website
Website
 Twitter
Twitter
 LinkedIn
LinkedIn
 Facebook
Facebook
 Instagram
Instagram

Source (apis.yml)

apis.yml Raw ↑ 
aid: lendtable
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - none
  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://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/lendtable.png
name: Lendtable
description: 'Lendtable was a US consumer fintech that extended a line of credit so individuals could afford to max out employer-sponsored
  benefits they would otherwise leave on the table — primarily the employer 401(k) match and Employee Stock Purchase Plans
  (ESPP). In its own words: "Lendtable gives a line of credit to help individuals get their employer 401(k) match and ESPP."
  The product advanced cash against a user''s paycheck contributions and took a share of the resulting gains, and was distributed
  direct-to-consumer and through employers via a Lendtable for Business offering, alongside an iOS app and a Zendesk help
  center. Lendtable was backed by Partech among others. The company now appears defunct: lendtable.com, the blog, and all
  product paths return HTTP 402 DEPLOYMENT_DISABLED (probed 2026-07-19), the iOS App Store listing is delisted, and the last
  successful Internet Archive capture of the live site is 2024-12-06. DNS, Google Workspace mail (MX/SPF/DMARC) and the GitHub
  organization remain registered. No public API, developer portal, or machine-readable API artifacts were ever published by
  this company.'
url: https://raw.githubusercontent.com/api-evangelist/lendtable/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- partech
x-tier: stub
x-tier-reason: portfolio-lead
x-status: defunct
x-status-evidence: https://lendtable.com/ returns HTTP 402 DEPLOYMENT_DISABLED (probed 2026-07-19); last Internet Archive
  200 capture 2024-12-06, first 402 capture 2025-02-20; iOS App Store listing 404
x-has-api: false
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Financial Services
- Fintech
- Consumer Lending
- Retirement
- 401k
- ESPP
- Employee Benefits
- Personal Finance
- Defunct
tags_raw:
- Company
- Financial Services
- Fintech
- Consumer Lending
- Retirement
- 401k
- ESPP
- Employee Benefits
- Personal Finance
- Defunct
- Financial-Services
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/lendtable-domain-security.yml
- type: LLMsTxt
  url: llms/lendtable-llms.txt
- type: Website
  url: https://lendtable.com/
- type: GitHubOrganization
  url: https://github.com/Lendtable
- type: Twitter
  url: https://twitter.com/lendtable
- type: LinkedIn
  url: https://www.linkedin.com/company/lendtable
- type: Facebook
  url: https://www.facebook.com/lendtable/
- type: Instagram
  url: https://www.instagram.com/lendtable/
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

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