# Lendflow

**Source:** https://geo.sig.ai/brands/lendflow  
**Vertical:** Finance  
**Subcategory:** Accounting Software  
**Tier:** Emerging  
**Website:** lendflow.com  
**Last Updated:** 2026-04-14

## Summary

Embedded lending infrastructure for vertical SaaS companies; $150M+ originated with $32M raised winning Best Embedded Finance Platform award competing with Unit for B2B embedded credit.

## Company Overview

Lendflow is an embedded lending infrastructure platform that enables software companies to integrate credit products — business loans, lines of credit, revenue-based financing — directly into their existing products, allowing vertical SaaS, fintech, and marketplace platforms to offer lending to their customers without building or licensing their own credit infrastructure. Founded in 2020 in New York and a Y Combinator W21 graduate, Lendflow raised $32 million total including $15 million in growth capital from Trinity Capital in May 2025, originating $150 million+ in loans over 5 years.\n\nLendflow's platform provides the full embedded lending stack: credit application APIs that collect borrower data within the partner's interface, underwriting integrations connecting to credit bureaus and alternative data sources, loan origination workflows, document collection and verification, and loan management for servicing and repayments. A vertical SaaS company serving contractors, for example, can offer working capital loans to their contractor customers without building credit operations — Lendflow handles the lending infrastructure while the SaaS company provides the distribution.\n\nIn 2025, Lendflow was recognized as Best Overall Embedded Finance Platform at Tearsheet's Big Bank Theory Awards 2025, validating its market position in embedded lending infrastructure. Lendflow competes with Unit (embedded banking and lending), Synctera, and Bond for embedded finance infrastructure market share. The embedded finance market has grown as vertical SaaS platforms seek to add financial services revenue beyond software subscriptions, and lending is one of the highest-value financial products to embed given small business credit demand. The 2025 strategy focuses on deepening vertical-specific lending products (construction, healthcare, trucking), growing origination volume through new platform partners, and expanding the platform's coverage of different credit product types.

## Frequently Asked Questions

### What is Lendflow?
Lendflow is a New York-based embedded lending infrastructure company founded in 2020 that enables software companies to integrate lending services into their products through API-based credit solutions. The company provides the technology infrastructure that allows platforms to offer lending capabilities without building the infrastructure themselves.

### What products and services does Lendflow offer?
Lendflow offers an embedded lending API, credit infrastructure platform, loan origination system, underwriting automation, and a lender marketplace. These solutions enable software companies to seamlessly integrate lending capabilities into their existing products.

### Who is Lendflow designed for?
Lendflow is designed for software companies that want to integrate lending services into their products. The platform serves businesses looking to offer embedded credit solutions to their customers without building lending infrastructure from scratch.

### When was Lendflow founded?
Lendflow was founded in 2020. The company participated in Y Combinator's Winter 2021 batch (W21).

### Where is Lendflow headquartered?
Lendflow is based in New York, New York, United States.

### How much funding has Lendflow raised?
Lendflow has raised $32M in total funding, including $15M in growth capital from Trinity Capital in May 2025. The company previously received funding from Y Combinator and other investors.

### What are Lendflow's key achievements and metrics?
Lendflow has originated over $150M in loans over 5 years. The company was recognized as Best Overall Embedded Finance Platform at Tearsheet's Big Bank Theory Awards 2025.

### What technology approach does Lendflow use?
Lendflow uses an API-based approach to deliver embedded lending infrastructure. The platform provides underwriting automation and connects software companies to a lender marketplace through its credit infrastructure platform.

### How can companies get started with Lendflow?
Based on the available information, companies interested in Lendflow can integrate their embedded lending API into their products. Specific contact or onboarding details are not provided in the source material.

### What are Lendflow's most recent developments?
In May 2025, Lendflow secured $15M in growth capital from Trinity Capital as part of its $32M total funding. The company also won Best Overall Embedded Finance Platform at the 2025 Tearsheet Big Bank Theory Awards and operates in a North American embedded fintech market that reached $36.9B in 2024 with 31% CAGR.

## Tags

b2b, fintech, api-first, platform, scaleup, north-america

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*Data from geo.sig.ai Brand Intelligence Database. Updated 2026-04-14.*