How Did We Do It?

LendAPI was built by banking and technology experts with extensive experience working with major banks and deep tech companies. Our comprehensive solution empowers banks to design exceptional customer experiences, manage decisioning processes, integrate popular third-party plugins, and connect with core banking systems—all within a user-friendly, do-it-yourself platform.

With no setup fees, no lengthy onboarding processes, and no requirements-gathering meetings, LendAPI allows banks and fintechs to start building immediately. You know your product best—we simply provide the tools to bring it to life.

Our support doesn’t end there. With access to our experts, customer success managers, and the newly introduced LendAPI Academy, users can leverage videos and resources to maximize the platform’s potential.

What is Product Studio?

Product Studio is a drag-and-drop canvas that enables you to design any customer experience. Using this tool, you can compose customer application flows by creating pages, chaining them together, and integrating business rules or credit risk models seamlessly.

Popular tools like Plaid, Prove, and Truv are pre-integrated as widgets—just drag and drop to add pop-up login windows to your application pages. Features like document signing, scrolling consents, and core banking integrations are accessible via simple dropdown menus.

With Product Studio, you can build complex pages and forms, including those with Know Your Customer (KYC) or Know Your Business (KYB) requirements, as well as credit underwriting rules and models—all in one place.

What is Rules Studio?

Rules Studio provides a visual, user-friendly interface to create advanced decisioning rules. By leveraging a library of variables, scores, and attributes, you can design if-then-else logic through a visual layout.

Rules can include nested logic, and end-nodes can trigger actions like emails, additional decision trees, or integration with LendAPI’s Pricing Engine.

Pricing Engine

Unlike other platforms that stop at decisioning, LendAPI’s Pricing Engine seamlessly integrates with Rules Studio to provide comprehensive pricing solutions.

From credit cards to installment loans and mortgages, our Pricing Engine accommodates limitless pricing permutations. Users can independently map pricing dimensions and update pricing tables without external support.

Risk Management Toolsets

With LendAPI’s newly released risk management tools, you can conduct A/B testing, backtesting, and shadow scoring without relying on your IT team.

• Backtesting lets you apply new strategies to historical applications to see how they would have performed.

• A/B Testing enables you to test new strategies on a small percentage of live applications in production.

• Shadow Mode allows you to evaluate new strategies in real-time production environments without impacting actual decisions.

These tools give you unprecedented control, helping you refine strategies before full deployment.

Third-Party Integrations

With over 50 integrated partners—including KYC/KYB providers, credit bureaus, and servicing cores—LendAPI ensures seamless connectivity. Simply input your credentials in the platform’s settings to activate these integrations.

Our Variable Library offers a centralized repository for all variables, scores, and attributes, enabling you to build custom models and enrich data as needed.

Celebrating a Major Milestone

We’re proud to announce that LendAPI has surpassed 10 million processed applications—a testament to our platform’s value and the trust of our customers.

But this is just the beginning. Based on your feedback, we’re enhancing our most popular tools and preparing for exciting new releases in the weeks and months ahead.

Stay tuned for what’s next!

About LendAPI

LendAPI is Wix for FinTech. A venture backed SaaS DIY platforming helping banks to launch any financial products in minutes.Follow us on Linkedin, X, YouTube,and our LendAPI Podcast and LendAPI Academy. 

Check out our latest platform videos with the LendAPI v2.5.4 Platform Guide and our Techstars Demo Pitch!