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United States
6
NDA
FinTech
Next.js/Swift/Kotlin
Lendio had built a dual-facing fintech: a borrower marketplace that simplified access to dozens of lending products, and an enterprise platform that enabled banks and fintech partners to embed lending flows or run their own automated underwriting. Borrowers filled a single application; Lendio’s matching engine (plus human underwriting when needed) routed applications to appropriate lending partners; approved funds were then arranged by the partner lenders. Over time Lendio expanded into embedded finance and lender technology partnerships, powering other firms’ SBA and SMB lending experiences while scaling marketplace volume.
Operational scalability during peaks
Handling spikes in applications (e.g., PPP-era demand) required autoscaling, queuing, and temporary staffing models to keep SLAs intact.
Underwriting automation & compliance
Automating underwriting while meeting different lenders’ credit policies, documentation requirements and regulatory constraints required flexible LOS workflows and audit trails.
Network liquidity & product coverage
Maintaining a large, active lender network across products and geographies required partner onboarding, pricing coordination and fraud/credit controls.
We improved Lendio’s matching by operationalizing ML pipelines and adding explainability so lender acceptance rates rose. We extended the LOS with configurable underwriting flows and audit logs so multiple lenders could automate decisioning securely. We delivered an embeddable SDK and webhook-first integration patterns that reduced partner integration time and increased conversion. We also automated partner onboarding and built autoscaling infrastructure so Lendio handled surges and maintained performance while growing marketplace liquidity.
1. Marketplace & One-Application Flow
Lendio operated a centralized online marketplace that let small businesses apply once and receive matched offers from multiple lenders, reducing application friction.
2. Embedded Marketplace for Partners
The Embedded Marketplace allowed ISVs, banks and service providers to embed Lendio’s loan application and offer experience directly into their own products and customer journeys.
3. AI-driven Matching & Decisioning
Lendio used machine-learning models to match applicants to the most suitable lenders and to reduce manual underwriting, improving match rates and throughput.
4. Lender Technology & LOS
Lendio delivered a cloud-based lender platform (LOS) that automated underwriting, application routing and loan lifecycle workflows so banks and lenders could originate SMB loans at scale.
5. Large Lender Network & Coverage
The platform worked with a network of 70–75+ lending partners to cover many product types (term loans, SBA, equipment finance, lines of credit).
The solution improved user engagement, and a pilot adoption rate exceeding expectations.
Lendio increased application-to-offer speed and match quality, which raised lender acceptances and borrower satisfaction. Embedded Marketplace integrations shortened time-to-offer for partners and drove referral volume into the core marketplace. LOS automation and partner onboarding reduced manual underwriting costs and accelerated funding times for many lender programs. Overall, these changes supported Lendio’s growth — the company reported facilitating multibillion dollars in small-business financing and scaling its embedded partnerships.
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