LOAN ORIGINATION SYSTEM
LOAN MANAGEMENT SYSTEM
Live in a month without a line of code written on your side
app.northlake.finance/applications
N
Northlake
ORIGINATE
Applications
Flow Builder
Pricing
DECIDE
Rules Studio
Models
SERVICE
Loans
Payments
Collections
RV
R. Vasquez
Applications
Production
+ New application
APP ID
APPLICANT
PRODUCT
STAGE
AMOUNT
DECISION
LN-41207
D. Okonkwo
Marine 84mo
Funded
$47,300.00
Approved · Tier A
LN-41212
P. Whitfield
POS Retail
Docs out
$1,840.00
Approved
LN-41198
R. Calloway
Auto 72mo
Verification
$23,900.00
Review
LN-41186
T. Nakamura
BNPL Split-pay
Funded
$640.00
Approved
LN-41179
M. Adeyemi
Working Capital
Underwriting
$85,000.00
Running
LN-41171
S. Beaumont
Marine 60mo
Offer out
$31,500.00
Approved
Showing 6 of 1,284 applications
Updated 2m ago
One loan, end to end
Application LN-41207, carried from decision to servicing without a hand-off
See loan lifecycle
TRUSTED BY LENDERS ACROSS RETAIL, AUTO, MARINE AND EMBEDDED FINANCE
of approvals happen in store, through direct POS to LOS integration
historical credit signals behind personalized consumer offers
fewer manual overrides after migrating off MeridianLink
consumers served at the point of sale on the platform
LENDAPI PLATFORM
Get to know LendAPI
Replace a stack of five vendors with one platform that originates the loan, decides it, documents it, funds it and services it until the final payment. Every module below runs on the same core — click one to see it properly.
Origination
Applications, stages, queues and documents in one file per borrower.
Flow Builder
Draw the credit flow as a graph. Draft, test, publish, roll back.
Decision Engine
Versioned rulesets your credit team edits without an engineer.
Pricing Engine
Offer tables by product, term, tier and channel.
Contract Builder
Disclosures and agreements from versioned templates, signed in flow.
Loan Management
Ledger, accrual, payments, statements and payoff on real books.
Collections
Aging buckets, promises to pay and hardship plans as real work queues.
Arc AI
Reads every file, flags the risk, drafts the next action for a human.
Integrations
Identity, entity, beneficial owners and watchlist screening.
Multi-tenancy
Tenants, sub-tenants and locations, isolated below your code.
OUR APPROACH
Agents work the file before your team opens it
Arc reads the application, applies your rules and drafts the next action. Exceptions wait for sign off — everything else is done when your team logs in.
AGENT DASHBOARD — WHERE THE WORK ABOVE LANDS
ONE LOAN, END TO END
Follow a loan through the platform.
Every stage below runs on LendAPI. Pick one to see which system owns it and which modules do the work.
The borrower applies wherever they are.
The same application runs on a phone on the sofa, a tablet on the showroom floor and a terminal at the register. It carries your brand, your fields and your consent language, and it saves as it goes so nobody retypes anything.
- Application Experience
- Doc AI
- KYC
- Flow Builder
Write the credit policy
the way you would explain it
Credit policy is never one size fits all, and it should not need a release. Describe the decision in plain English and Flow Builder assembles the graph, or draw the graph yourself and read it back as a sentence. Either way it versions, tests against history, and rolls back.
We do marine loans up to 84 months. Approve strong borrowers automatically, ask for bank statements when the file is thin, and send anything flagged to my underwriting team.
Trigger:
A new application is submitted on Marine 84mo.
Instructions:
If FICO is 660 or above and DTI is 0.45 or below, price against the Tier A table and generate an offer.
If the bureau file is thin, request bank verification before deciding.
Send anything carrying a manual review flag to the underwriting queue, and write the reason codes onto the application either way.
Trigger
LOAN ORIGINATION
Credit policy stops being code.
Cutoffs, stips, tiers and decline reasons live in versioned rulesets that your credit team edits directly. Replay a change against historical files, read the decision delta, then publish.
✓
An application stays bound to the ruleset version that decided it.
✓
Every publish records who changed what, and reverts in one action.
✓
Sandbox runs against a separate database, so a passing test means something.
Versions · consumer_ruleset
DECISION ENGINE
v14 · tested
awaiting sign-off
v13 · published 12 Aug
live
v12 · published 27 Jun
archived
v11 · published 28 Apr
archived
Applications on v13
9,204
Last edited by
R. Vasquez
Vintage · 30+ delinquency by ruleset
LMS
v13 · Sep book
1.84%
v12 · Jul book
2.41%
v11 · May book
2.29%
Channel
Indirect auto
LOAN MANAGEMENT
Servicing data flows back into credit.
Because the ledger sits in the same platform as the decision, payment behavior reaches the next policy revision directly rather than through a quarterly export nobody trusts.
✓
Vintage performance by ruleset version, product and channel.
✓
Delinquency and charge-off attributed back to the rule that approved it.
✓
One borrower record across origination, servicing and collections.
MULTI-TENANT BY CONSTRUCTION
One deployment. Every brand you run.
A tenant can hold sub-tenants: dealer groups, store banners, referral partners, credit union branches. Each gets its own products, pricing, users and reporting while your policy governs the whole tree.
Northlake Credit Union
parent tenant
policy · products · bureaus · templates
├─ Northlake Direct
consumer, auto refinance
├─ Harbor Motors Group
sub-tenant b
14 rooftops, indirect auto
│ ├─ Harbor Motors Bellwood
branch b1
own users, own queue
│ └─ Harbor Motors Seaton
branch b2
own users, own queue
└─ Ridgeline Powersports
sub-tenant c
seasonal terms, dealer pricing
Your brand, not ours
Domain, logo, palette, type, email sender and SMS sender are tenant settings. Borrowers never see the word LendAPI.
Isolation below your code
Tenancy is enforced by the platform, not by a filter an engineer has to remember to add to a query.
Sandbox that behaves
Test traffic routes to a separate database through the same code path, so nothing you try touches production.
Lenders already running on LendAPI
Seventeen published stories from banks, consumer lenders and embedded finance brands — and what changed after they moved to LendAPI.
All customer stories
Buying half a lending stack means owning the seam between the halves forever. Buy the whole thing once.
Origination and servicing under one roof removes the integration nobody budgets for and the reconciliation nobody enjoys.
WHITE GLOVE, DEFINED
Configured with you, not shipped to you.
Fintech veterans built this platform because they had lived through the other kind of implementation. The delivery model is the correction.
01
We map your policy
Your credit matrix, products, channels, stips and decline reasons become flows, rulesets and offer tables — built in front of you, not handed back weeks later.
BY END OF WEEK ONE
02
You take the controls
Your team runs real applications through the flow in sandbox: move a cutoff, watch the decision change, break things while it is free to break them.
BY END OF WEEK THREE
03
Go live — we stay on call
Team configured your tenant stay on your account, ready whenever you need them. New products, dealers and bureaus are changes you can make with a breeze.
ONGOING
350+ integrations in the marketplace — the partners below resell LendAPI
BEFORE YOU BOOK
The questions we get on the first call.
The demo is a working session. Bring a product you want to launch.
No. Many lenders start with origination and keep servicing where it is, or move one product line onto our servicing first. The two share a core, so adding the second is configuration rather than a second integration.
Yes. Domain, logo, colors, type, email sender and SMS sender are tenant settings. The application, portal, documents and messages carry your brand only.
Each dealer group is a sub-tenant with its own users, products and pricing, and each rooftop can be a location beneath it with its own queue. Your policy still governs every application in the tree, and reporting rolls up.
One customer shipped an embedded lending product in a month without writing code. Timelines move with how settled your credit policy is and how many third parties need contracts.
Rules are versioned and an application stays bound to the version that decided it. New traffic picks up the new version, which is also how you answer an examiner comparing two similar files.
Only if you want that. Banks and credit unions commonly run LendAPI for digital origination beside an existing core and board the loan across at funding.
More than 130 across bureau data, cash flow data, identity, fraud, income and employment, payments and e-signature. You keep your own agreements and credentials.
Yes. Everything the web application does is available over the API, with a sandbox environment and API key authentication for test traffic.
NEXT STEP
Bring a product you want to launch. We will build it in the session.
Thirty minutes, your credit policy, our platform. You leave with a working flow in a sandbox tenant whether or not you go further.
No procurement process to start. No credit card. The sandbox tenant is yours during evaluation.
