Sunbit
Sunbit is a Los Angeles based financial technology company that builds point-of-sale buy now, pay-over-time financing for everyday needs — auto service and dealerships, dental, eyewear, veterinary, med spa, home services, and general retail. Merchants and SaaS platforms integrate Sunbit through a partner API and a hosted JavaScript SDK covering four products: Pre-Qualification (send a customer a no-hard-credit-check qualification link), Sunbit Estimate (an "As Low As" monthly payment shown on a price, estimate or invoice), Checkout (Sunbit added as a payment method via a tokenized server-to-server flow and a modal), and Text to Pay-Over-Time (an SMS payment link). The platform also exposes merchant onboarding, transaction lookup, void and partial refund, reporting, and HMAC-SHA256 signed webhooks. Loans are originated through regulated bank partners.
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 Sunbit the way a machine reads it — 6 machine-readable artifacts across 2 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 — Sunbit scores 48.7/100 (developing), with a separate agent-readiness read of 38/100 (agent ready). 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 2026-08-17 · rubric v0.11.0
Put this on your own site. The badge is drawn live from Sunbit's current Kin Score — paste it once and it updates itself every time the score is recomputed. It follows your visitor's light or dark setting, and it links back here so anyone who sees it can read the full breakdown.
<!-- Kin Score · API Evangelist -->
<a href="https://providers.apievangelist.com/providers/sunbit/"
title="Sunbit on API Evangelist — API profile and Kin Score">
<img src="https://apis.io/badge/sunbit.svg"
alt="Sunbit Kin Score — API readiness rating by API Evangelist" width="150" height="150" loading="lazy">
</a>[](https://providers.apievangelist.com/providers/sunbit/)<!-- Kin Score · API Evangelist -->
<a href="https://providers.apievangelist.com/providers/sunbit/"
title="Sunbit on API Evangelist — API profile and Kin Score">
<img src="https://apis.io/badge/sunbit/card.svg"
alt="Sunbit Kin Score — API readiness rating by API Evangelist" width="340" height="120" loading="lazy">
</a>More shapes, themes and sizes → · Score as JSON · How badges work
How we profile Sunbit
Each block below is one kind of artifact we hold for Sunbit. 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 2
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.
Sunbit Partner API
Server-to-server REST API for Sunbit partners and SaaS platforms. Covers pre-qualification links, "As Low As" payment estimation, Text to Pay-Over-Time SMS links, checkout trans...
Sunbit JavaScript SDK
Hosted, asynchronously loaded browser SDK (the SUNBIT global) that renders Sunbit's client-side surfaces: the "As Low As" estimate text element and disclaimer, the check-financi...
Event 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.
Sunbit Webhooks
ASYNCAPISecurity Posture 3
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 Sunbit — 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 2
Reference material describing how the API behaves
Agent Surfaces 3
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 7
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 7 ·
Build 2
SDKs, sample code, and the tooling you integrate with
Access & Security 5
Authentication, authorization, and security posture
Operate 2
Status, limits, changes, and where to get help
Commercial 3
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
← All providers · Data indexed from github.com/api-evangelist/sunbit · machine-readable index on apis.io
This is an independent, third-party profile of Sunbit, published by API Evangelist. We do not operate, host, resell, or support these APIs, and we are not affiliated with or endorsed by the company unless stated above. Everything here is built from publicly available information — the company's own site, developer portal, documentation, public repositories, and the specifications it publishes for public use. Nothing is obtained by breaching a system, defeating an access control, or using credentials.
The Kin Score and Agent Readiness rating are independently calculated assessments of a company's public API artifacts, scored against a published rubric. They are not certifications, endorsements, security assessments, or audits.
Corrections, re-scores, and removal are free — no partnership or purchase required, and you do not need to justify the request. A removed company is recorded as unrated, never scored zero for having asked. Acknowledgement within one business day; removal within two.
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