LendAPI
LendAPI is a no-code / low-code loan origination and digital account-opening platform for banks, credit unions, fintechs and embedded-finance programs. Its Product Studio lets teams assemble a lending product -- application form, underwriting logic, pricing and servicing -- without writing code, backed by a versioned decision engine, a versioned pricing engine, DocAI document processing, UnderwriteAI and ARC AI scoring, KYC/KYB verification, two-way SMS, virtual cards and the Embarc loan management system. A marketplace of pre-integrated data partners covers credit bureaus, identity verification, open banking, cash-flow analytics and income verification. The REST API documented at developer.lendapi.com exposes the same primitives programmatically: create and advance applications, run decisions and pricing, manage tenant-defined variables and sub-tenants, pull bureau credit reports, compute amortization schedules and score credit risk. LendAPI is SOC 2 Type 2 attested and serves use cases across point-of-sale finance, buy-now-pay-later, auto lending, fix-and-flip, retail in-store lending and embedded finance.
Real signal across most facets with visible, nameable gaps — the contract exists but is thin, or the portal is good while governance and commercial terms are absent.
API Evangelist profiles LendAPI the way a machine reads it — 17 machine-readable artifacts across 13 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — LendAPI scores 55.6/100 (developing), with a separate agent-readiness read of 61/100 (agent native). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile LendAPI
Each block below is one kind of artifact we hold for LendAPI. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 13
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
LendAPI Amortization API
The Amortization API from LendAPI — 1 operation(s) for amortization.
LendAPI Application API
The Application API from LendAPI — 3 operation(s) for application.
LendAPI Credit Risk API
The Credit Risk API from LendAPI — 1 operation(s) for credit risk.
LendAPI Decision API
The Decision API from LendAPI — 3 operation(s) for decision.
LendAPI Decisions API
The Decisions API from LendAPI — 1 operation(s) for decisions.
LendAPI Get App Credit Report API
The Get App Credit Report API from LendAPI — 1 operation(s) for get app credit report.
LendAPI Outcomes API
The Outcomes API from LendAPI — 1 operation(s) for outcomes.
LendAPI Page Submit API
The Page Submit API from LendAPI — 1 operation(s) for page submit.
LendAPI Pricing Engine API
The Pricing Engine API from LendAPI — 3 operation(s) for pricing engine.
LendAPI Pricing Engines API
The Pricing Engines API from LendAPI — 1 operation(s) for pricing engines.
LendAPI Sub Tenant API
The Sub Tenant API from LendAPI — 2 operation(s) for sub tenant.
LendAPI Sub Tenants API
The Sub Tenants API from LendAPI — 1 operation(s) for sub tenants.
LendAPI Variable API
The Variable API from LendAPI — 1 operation(s) for variable.
Scroll within the panel for all 13 ·
MCP Servers 1
Model Context Protocol servers expose these APIs directly to AI agents. We profile them because agent-native access is the fastest-growing way this provider's capabilities actually get used.
Model Context Protocol servers that expose these APIs to AI agents.
lendapi-mcp.yml
MCP SERVEREvent Specifications 1
Not every API is request/response. AsyncAPI describes the event-driven and streaming side — the webhooks and channels — so the asynchronous half of the interface is documented the same way the synchronous half is.
AsyncAPI definitions for this provider's event-driven and streaming APIs.
Lendapi Webhooks
ASYNCAPISecurity Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Resources
Every other property we hold for LendAPI — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 4
Portal, sign-up, and the first successful call
Documentation 3
Reference material describing how the API behaves
Agent Surfaces 4
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 6
Pagination, idempotency, versioning, errors, and events
Build 2
SDKs, sample code, and the tooling you integrate with
Access & Security 3
Authentication, authorization, and security posture
Learn 1
Tutorials, courses, talks, and written guidance
Operate 1
Status, limits, changes, and where to get help
Commercial 3
Pricing, plans, and the legal terms of use
Company 4
The organization behind the API
Other 5
Properties that don't map to a standard resource type
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