“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.
LendAPI's cards are issued through Marqeta and Lithic on the Visa and Mastercard networks.
The Embedded Finance Index 2026 maps 4 layers in LendAPI's stack: Card issuing (Marqeta and Lithic); Card network (Visa and Mastercard); Lending (BNPL, Point of Sale Financing, Personal Loans, Credit Card origination and 7 others); Unified APIs (Apideck, Pinwheel, Truv and The Work Number by Equifax).
LendAPI was founded by Timothy Li and is founded in 2024, headquartered in Irvine, CA 92618, United States.
LendAPI has raised $3.2M in total (latest round: Accelerator/Incubator).
Get a read on where your own stack stands against LendAPI and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.