LendAPI
“Can a no-code/low-code lending infrastructure platform become the default operating system for banks and fintechs launching any credit product — from BNPL to mortgages — without engineering overhead?”
Founded in 2024, LendAPI launched as a multi-tenant, no-code/low-code infrastructure platform for digital onboarding and loan origination targeting banks, fintechs, and lenders. Unlike standalone LOS vendors, LendAPI positioned itself as the 'complete stack' for embedded finance — integrating KYC, credit decisioning, card issuance, BNPL, POS financing, and income verification into a single configurable platform. The company's marketplace model aggregates third-party fintech providers (card issuers, credit bureaus, identity vendors) while its own platform provides the orchestration layer, making it closer to infrastructure than a direct lender.