Lendflow – Enabling Every Company to Build, Embed and Launch Financial Products within Their Ecosystems

The seamless integration of Lending-as-a-Feature into digital platforms is referred to as Embedded Credit. Instead of redirecting clients to a third-party site, platforms can offer credit to their customers with a familiar interface at the time of demand creation. Embedded Credit Infrastructure firms, who supply full-stack lending solutions to digital platforms, make this possible. Embedded Credit, results in higher margins on FinTech goods and additional routes to market. Embedded Finance allows lenders and anchor platforms to work together more effectively. It takes advantage of the platform’s in-depth knowledge of the consumer and tailors the credit product to the end-individual customer’s demands. Buy-Now-Pay-Later in B2B and B2C E-Commerce is one such example.

Lendflow is one such company that provides embedded credit infrastructure for fintech, lenders and software companies to build and launch credit products. Combining a powerful credit decisioning engine, contextual product placements and a robust marketplace of specialized lenders Lendflow can launch credit products in minutes, SaaS companies can increase customer engagement and retention with embedded credit, lenders can expand their reach to qualified SMBs and can quickly access capital to power their growth. Match qualified SMBs with specialized lenders that are best positioned to understand and meet specific industry needs. From credit cards, to Buy-Now-Pay-Later and B2B payments, Lendflow can help you build and launch credit products in minutes, not months. One single API, and you’re ready to go live with a full credit operation.

Your Command Center for Embedded Credit

Credit Decisioning Engine: Quickly launch credit products with open API and flexible decisioning engine that lets you build your own credit workflows and start approving borrowers in minutes. Lendflow's single API allows you to pull dozens of data points on each applicant, build and optimize your own decisioning workflows to approve more customers, faster without taking on additional risk. They connect the dots so you can approve customers faster. Through a single API you can go beyond the credit score with bank and accounting data, business credit, and fraud detection, to make smarter credit decisions in seconds, not days. Build and configure your underwriting workflows according to your credit policies, set conditional arguments to pull data from multiple sources, optimizing your decisioning and minimizing costs.

Embedded Credit Operating System: Give your customers easier access to capital so they can grow their fleet, invest in maintenance and repair, get paid faster or expand their operations. Give your customers easier access to capital so they can invest in marketing, grow their staff, improve online capabilities and scale both sides of the marketplace. Easily embed credit products within your core experience and give your customers seamless access to the capital they need to grow. Acquire new customers, increase engagement, generate incremental revenue and accelerate growth with an embedded capital program. It offers embeddable lending infrastructure for fintech and software companies. Easy credit access for the businesses they serve. Now that's a win-win. From application to decisioning and underwriting - Lendflow provides the tools you need to build and embed credit products. Build your own decisioning workflows to aggregate and analyze the most critical data points on SMB applicants in the order that meets your specific underwriting requirements. Drive growth, boost your bottom-line, and delight your customers with the capital they need to thrive. Straight from your product experience.

Lenders Marketplace: Help your customers get the credit they need to take on more projects, buy materials, purchase new equipment and smooth out fluctuating cash-flows. Help your customers access the credit they need to purchase supplies and inventory, finance payroll, take on more customers and expand their business. From term loans to lines of credit and everything in between, Lendflow's marketplace of specialized lenders across multiple industries gives your customers easier, faster access to capital. Lenders on Lendflow’s marketplace go through a qualification process to ensure ethical and fair lending practices. Applicants on their platform receive clear offers: no hidden fees, sketchy terms, or surprises throughout the application process. Greater transparency means borrowers receive the best possible rates and terms for their situation and risk profile. Drive growth, boost your bottom-line, and delight your customers with the capital they need to thrive. Straight from your product experience.

Lendflow | Leadership

Jon Fry is a co-founder of Lendflow.

Matthew Watts is a co-founder of Lendflow.

They co-founded Lendflow with a shared vision to create a more open and accessible financial system. Their separate journeys building successful startups in the lending space since 2014 evolved when they realized the scale of unmet needs across the industry, and culminated with a light bulb moment: all stakeholders were being underserved and no one was addressing the problem in a holistic way.

They realized Fintechs and lenders could launch superior products and become more efficient with better automation. Customers, most importantly, could benefit from easier, fairer, more transparent and timely access to critical capital. That’s how Lendflow was born.

"We’re democratizing access to credit. Lendflow is transforming the credit industry by enabling every company to provide seamless financial experiences to their customers."