ApideckTape
← Embedded Finance Index 2026/Vendor

Lendflow

Provider
Lending

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 3 companies across 1 category.

lendflow.com ↗Also analysed as a company — its own stack →Open Banking Tracker profile ↗
CategoriesLending
Rank#58 of 254 in Lending
Buyers3 companies
HeadquartersAustin, TX, USA
Founded2019

Claim this profile. Work at Lendflow? Verify your work email to unlock the full buyer list.

Founders & story · from Lendflow’s own dossier

Founded 2019 as a YC-backed embedded credit infrastructure company, Lendflow started as a lender marketplace/API for SaaS platforms to embed SMB credit. Since 2024–2026 it has layered on a data & decisioning engine (Lendflow Intelligence) and an AI-agent product line (Lendflow Automate) — extending from pure lender orchestration into credit decisioning, doc processing, and voice/chat automation for lending operations.

Latest round: Series A
Recent developments
  • 2026-06Launched Lendflow MCP server for AI assistants to query and act on lending data. source ↗
  • 2026-07Published 'Best Embedded Finance Platforms of 2026' positioning piece. source ↗
Full dossier: Lendflow’s own stack, layer by layer →
Who uses Lendflow
3 companies disclose Lendflow in their stack
StaxOcrolusExperian
Buyer mix · 3 of 3 classified
Fintech / SMB banking · 1Infrastructure / KYC · 1Infrastructure / Lending · 1
US · 2EU · 1
What the disclosures say
Ocrolus
“IBS Intelligence (ibsintelligence.com) lists Lendflow partnership for SMB credit access.”
Experian
“Cobalt Intelligence blog (Nov 2025): Experian and Lendflow entered a partnership to launch an embedded lending marketplace in the Experian app for US small businesses, using Lendflow's APIs.”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Lendflow? Claim this profile above to unlock your own full list.
Unlock the buyer map

See where Lendflow’s disclosed buyers are headquartered. Represent Lendflow? Claim this profile above instead — it unlocks your own map immediately.

No newsletter, no sharing your address.

What Lendflow runs on · from its own dossier
The third-party providers Lendflow itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose Lendflow.
PSP
checkout
Lending
OnDeckBHG FinancialeCapital
KYC
TransUnionExperianEquifax
Open Banking
Plaid
Full dossier with evidence for each layer →
Alternatives to Lendflow

Other Lending providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Affirm65 buyers →Klarna55 buyers →YouLend45 buyers →Mambu36 buyers →Stripe Capital33 buyers →Wisetack27 buyers →Liberis21 buyers →Afterpay16 buyers →
Share this rank

An embeddable badge for Lendflow’s own site — it always shows this page’s current rank, so it stays accurate as new disclosures land. States its own denominator; never claims a number this page doesn’t.

Ranked #58 of 254 in Lending — Embedded Finance Index 2026
Copy-paste snippet
<a href="https://www.embeddedfinanceindex.com/vendors/lendflow?ref=badge">
  <img src="https://www.embeddedfinanceindex.com/api/badge/lendflow.svg"
       alt="Ranked #58 of 254 in Lending — Embedded Finance Index 2026">
</a>
<img src="https://www.embeddedfinanceindex.com/api/badge/lendflow/install" width="1" height="1" alt="" style="display:none">

Lendflow — frequently asked

Which companies use Lendflow?

3 companies are linked to Lendflow in the Embedded Finance Index 2026, through their own public disclosures or Lendflow's published customer list, including Stax, Ocrolus and Experian.

What does Lendflow do?

Lendflow is an embedded-finance provider in Lending. It ranks #58 of 254 Lending providers by linked companies.

What are the alternatives to Lendflow?

The most-named Lending alternatives to Lendflow are Affirm (65 buyers), Klarna (55 buyers), YouLend (45 buyers), Mambu (36 buyers), Stripe Capital (33 buyers) and Wisetack (27 buyers).

Where is Lendflow headquartered?

Lendflow is founded in 2019 and headquartered in Austin, TX, USA.

Benchmark your own stack

Request an embedded finance strategy assessment

Get a read on where your own stack stands against Lendflow 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.

  • Your category, mappedHow your stack compares to Lendflow and the other buyers it serves.
  • Build vs. buyWhere a provider relationship would close a gap faster than building it.
  • A named analyst, not a form replyA short call to scope what's actually worth assessing for you.

No newsletter, no sharing your address. We use this to reach out about the assessment and nothing else.