[.green-span] Lendflow Roundup | January [.green-span]

We understand the unique complexity of the underwriting process. Most credit teams start with a quick screen to rule out obvious declines, dig deeper once documents arrive, and make a final call after pulling in additional data and closing documents. Each step builds on the last, using new information and tighter criteria as confidence increases. What matters just as much as the individual checks is how smoothly they connect into a single, continuous workflow. That’s the reality Lendflow is designed to support and why we’re excited to enable our partners with the launch of multiple underwriting stages to more closely matching their real workflows.

Running a medical practice is financially complicated in ways many businesses never experience. Providers juggle delayed insurance reimbursements, rising equipment costs, and constant administrative demands, all while trying to focus on patient care. These pressures make cash flow a daily concern, not an occasional one.

Construction companies face a challenge that's as old as the industry itself: the gap between when expenses hit and when payments arrive. Materials need to be purchased upfront, crews need to be paid weekly, but client payments might not land for 30, 60, or even 90 days. For construction tech platforms serving contractors, subcontractors, and builders, this cashflow gap represents both a critical pain point and a significant opportunity.

A lending marketplace platform connects multiple lenders to qualified borrowers in one digital venue, streamlining distribution while enabling side-by-side loan offer comparison and automated credit workflows.

The financial services industry stands at an inflection point. After years of experimentation with AI, 2026 promises to be the year when AI moves decisively from proof-of-concept to production, transforming how lenders operate and how borrowers experience the lending process.

Happy holidays from all of us at Lendflow! As we head into the final stretch of the year and look ahead to 2026, we’re grateful for all of our partners and the broader lending community for the support and inspiration this year. We're proud of the innovation of our team and excited to jump into 2026 with momentum. In this month’s newsletter, we’re sharing how Lendflow is building smarter lending infrastructure, plus a first look at Command Bar and our vision for an AI-native, agentic-first lending platform.

The small business lending world has been stuck in a frustrating pattern. Lenders have high operational costs trying to stay competitive. Borrowers are bouncing between applications, facing rejection with little guidance on where to turn next. Everyone knows the system could work better, it just needs the right infrastructure to make it happen.

Today, we’re taking an exciting step toward the future of AI lending technology with the launch of Command Bar, a unified interface that represents our vision for an AI-native, agentic-first platform built to automate and simplify processes.

We're thrilled to announce that Lendflow has been named winner of the 2025 Tech Trailblazers Award in the Financial Technology Trailblazers category. This recognition along with others this year marks another significant milestone in our journey to transform embedded credit infrastructure and validates our team's commitment to innovation in the fintech space.

As we close out 2025, it's worth reflecting on a year that brought meaningful change to the lending landscape. At Lendflow, we've watched these shifts unfold across our platform, and what stands out isn't just the pace of innovation but the practical impact these trends have had on lending infrastructure.

In the lending world, data has become a bit of a double-edged sword. Lenders have access to more borrower information than ever before, but most of it shows up in a messy patchwork of formats that can feel more overwhelming than helpful. Bank statements arrive as PDFs, payroll data comes through third-party platforms, and alternative income sources like gig work live in their own separate universes. The real challenge isn't finding data; it's actually making sense of it all.

As the year draws to a close, we're reflecting on the relationships and partnerships that have defined our work. At Lendflow, we've experienced significant growth in 2024, expanding our platform capabilities and deepening our connections with lending partners across the industry. This expansion has been made possible by the trust of partners who share our commitment to improving the SMB lending experience. As we head into the final weeks of the year, we're grateful for these relationships and committed to continuing the work that makes lending more accessible and efficient for small businesses.

As November settles in and we head toward the holiday season, it’s a natural moment to pause and reflect on the partnerships and collaborations that make our work meaningful. We want to extend our sincere appreciation to our customers, partners, and the broader Lendflow community. Your trust and collaboration shape the momentum behind everything we do, and we’re excited to close out the year stronger than ever together.

A business owner has finally accepted an offer. They’re excited, motivated, and ready to secure the capital they’ve been working toward. But then reality hits: a flurry of emails, scattered links, missing closing documents, and vague next steps. What should be the most confident moment in their funding journey suddenly becomes a maze and every minute of confusion increases the risk of drop-off.

The SMB lending game is changing. Fintech lenders are raising the bar on decisioning speed, approving loans in hours instead of days and traditional lenders are taking notice and investing in new tech to keep up. Speed is now a non-negotiable.

Small businesses are the backbone of our economy, but getting them funded? That's still harder than it should be.

Partnership between Lendflow and Experian delivers a premier embedded lending experience within the Experian app, giving small business owners choice, convenience and security when applying for funding

This article was prepared in collaboration with our design partner, Glow Design Agency. Glow Co-Founder Ruslan Mashatov and Lendflow CEO Jon Fry share why, in embedded finance, trust isn’t just a feature, it’s the product.

Borrower drop-offs are something almost every lender faces. Someone starts an application, makes it halfway, and then disappears. It’s frustrating. Not just because it means a missed opportunity, but because it often happens for reasons that are totally fixable: confusion, poor timing, or lack of follow-up.

If you work in lending, you already know this: communication makes or breaks the borrower experience. Every email, text, and update helps keep deals on track and builds trust along the way.

Data-powered credit underwriting is essential for brokers to stay competitive in the evolving lending landscape, offering improved client outcomes and streamlined operations. This guide explores how to leverage these advanced systems effectively.

Selecting the right partner for multi-product loan integration can transform fragmented lending operations into a unified, efficient system that handles diverse loan types while ensuring compliance and exceptional user experiences.

Welcome to the September edition of the Lendflow Roundup. This month, we’re celebrating some incredible milestones. Lendflow has been named Winner of the Tearsheet Big Bank Theory Award in the Lendtech of the Year category, and we are also proud finalists in both the US Fintech Awards and the Banking Tech Awards. We’re thrilled to be named alongside innovative leaders in FinTech for each of these awards.But, we’re not done building! Keep reading to learn more about our new Borrower Platform features that provide greater flexibility and control in managing borrower experiences. September is a month of wins and forward momentum, and we’re just getting started!

For lenders, the underwriting process is often slowed down by the same recurring obstacle: paperwork. Tax returns, bank statements, pay stubs, and invoices pile up, each requiring manual review, data entry, and validation. This is not only tedious but also introduces room for human error. The result is delayed approvals, higher operational costs, and a slower path to funding for borrowers who may urgently need capital.

At Ai4 2025, a diverse panel of leaders gathered to unpack one of the most pressing challenges in artificial intelligence today: how to successfully deploy AI agents at scale across enterprises and for end customers.

Vertical SaaS platforms win by embedding financing that accelerates customer purchases while reducing risk and engineering lift. Here are eight proven solutions: Lendflow for embedded credit infrastructure, Stripe Capital for network-backed working capital, Ratio Boost for SaaS-specific cash advances, Balance for instant B2B net-terms, FundThrough for invoice financing, LendFusion for modular lending ops, Kabbage for fast SMB loans, and Upstart for consumer lending. We ranked them using a data-driven framework that blends AI-driven underwriting performance and integration ease—because these two factors most directly impact time-to-revenue and developer velocity. Use this list to match financing types to your vertical’s sales motion, risk profile, and roadmap without slowing your team or compromising customer experience.

For lenders and digital platforms, every borrower interaction is an opportunity - not just to fund a loan, but to build a relationship, grow revenue, and increase lifetime value. 

In business finance, access to capital is the lifeline that helps companies grow, scale, and adapt to changing markets. Yet too often, businesses face a frustrating reality: lending platforms that lock into a single provider. This exclusivity limits borrower options, reduces approval rates, and leaves many companies underserved. When financing needs are diverse and time-sensitive, a one-size-fits-all approach simply doesn’t cut it.

We are thrilled to announce that Lendflow has been recognized as the Best Overall Embedded Finance Platform at Tearsheet’s Big Bank Theory Awards 2025. This prestigious recognition highlights the innovation, scale, and impact of our embedded credit infrastructure in shaping the future of financial services.

Every business wants loyal customers. But keeping them around? That’s where things get tricky. Today’s users expect more than just a good product. They want fast, seamless experiences and value that feels personal. That’s where embedded finance comes in. It’s not just about offering loans or payments inside your app anymore. It’s about creating stickier, more useful platforms that customers don’t just use but depend on.

We’re proud to share that Lendflow has been shortlisted as a finalist for the 2025 US Fintech Awards in the LendTech of the Year category. This recognition underscores the work we’re doing to reshape how businesses access and deliver credit, and it places us alongside some of the most innovative players in financial technology today.

This week, we’re changing it up a bit. Let’s rewind to where Embedded Finance began, see how far it’s come, and explore what’s on the horizon for the next ten years. At Lendflow, we’re constantly motivated by the innovation of the industry and are excited for how we can continue to influence change for more inclusive financial experiences.

Jump into the August edition of the Lendflow Roundup! This month is all about innovation, energy, and a big leap forward into the future of lending. We’re thrilled to unveil Lendflow Automate, our brand-new AI-powered lending platform that enables lenders to deliver better onboarding experiences while reduces the manual work of underwriting. Read on about exciting new features now available like the AI-powered Doc Analyzer and Chatbot, designed to make lending faster, smarter, and more intuitive than ever. Plus, our team just got back from Ai4 and we can’t wait to share the insights and inspiration we gathered.

Lendflow's API-first, multi-product infrastructure helps brokers place more deals, faster, with higher approval rates and lower operating costs.

This article explores how vertical SaaS companies can achieve significant revenue growth by integrating embedded lending solutions. It outlines the benefits, implementation framework, and market potential of embedded lending, emphasizing its role in enhancing customer retention and minimizing churn.

Launch embedded lending for your SaaS partners, boost approvals with AI, and turn workflows into revenue. The embedded finance market is projected to exceed $100 billion by 2025, growing at 24.43% CAGR, making business lending brokers strategic orchestrators between lenders and vertical SaaS platforms. This comprehensive guide covers embedded lending solutions, vertical SaaS financing integration, and how to integrate lending into SaaS platforms for maximum ROI. From API-first marketplace lending to risk orchestration, discover proven strategies to differentiate your broker platform and accelerate time to value for both lenders and SaaS partners.

The Lendflow team shares key insights from the AI4 conference, highlighting practical AI implementation strategies and the importance of collaboration. With a focus on starting small and creating memorable AI experiences, they emphasize the potential of AI to drive positive societal impact.

Lendflow Automate' to power the future of lending with AI-driven operational agents.

At Lendflow, we're redefining how lenders operate by putting powerful AI at the center of the lending process. A key part of this transformation is Voice AI purpose built for lending, a smart and scalable tool that helps streamline operations, cut costs, and elevate the borrower experience. Every week, our Voice AI functionality saves over 500 hours of phone time, freeing our teams to focus on high-impact work. Here’s how we’re making it happen.

Applying for a loan has never been anyone’s favorite task. Long forms, paperwork, and emails back and forth? No thanks. But AI chatbots flip the script.

Lenders today face growing pressure to deliver faster, more accessible, and highly personalized lending experiences. As borrower expectations rise and competition intensifies, lenders are increasingly turning to technology to stay ahead. One of the most transformative trends emerging in this space is multi-lender orchestration, a model that is quickly redefining the way credit is delivered and managed. ‍

Welcome to the Lendflow Roundup, your monthly briefing on all things Lendflow. Each edition brings you the latest product launches, platform enhancements, and insights shaping the future of credit decisioning.

Most lenders don’t think twice about NAICS codes - until something goes wrong. Whether it’s a misaligned risk model, an inaccurate fraud score, or a rejected application due to a compliance mismatch, incorrect industry classification can trigger ripple effects that impact everything from pricing to portfolio performance.

We're excited to introduce a major enhancement to the Borrower Platform: Online Checkout, a powerful new feature designed to bring speed, transparency, and efficiency to the final stages of your funding process.

In a world where embedded finance is transforming how companies offer and access financial services, a broken onboarding experience isn’t just annoying - it’s a growth killer.That’s where KYB automation comes in. If you're still relying on PDFs and back-and-forth emails, it’s time for a serious upgrade.

At Lendflow, we’re always striving to simplify and accelerate the lending experience for both lenders and merchants. That’s why we’re thrilled to introduce our newest product enhancement: the Contract Builder.

For fintechs, banks, and embedded finance platforms, AI agents represent a game-changing opportunity to scale operations, reduce manual workloads, and improve the borrower experience.

We’re in a digital-first economy where borrowers want decisions in seconds—not days—and lenders are expected to deliver lightning-fast approvals without dropping the ball on risk.

In modern digital lending, flexibility and precision are critical - especially for integration partners supporting custom underwriting, scoring models, and automated offer generation. That’s where Lendflow’s Attribute Builder delivers exceptional value.

Over the last year, our team has been hard at work building out the customization features that put your brand in control of the borrower experience.

By combining automation, alternative data, and machine learning, intelligent underwriting enables lenders and platforms to make faster, more accurate, and more inclusive credit decisions. It’s a major shift in how risk is evaluated — one that not only improves loan performance but also opens up access to credit for more businesses and individuals.

From smarter risk analysis to better onboarding processes, generative AI is transforming how fintech companies operate and create value.

Lendflow founder and CEO, Jon Fry, sat down with Tom Donlea, VP Business Development at Vouched for a Partner Podcast. During the short conversation Tom asked about Lendflow's roots and the pair discussed the most pressing pain points in SMB lending today.

Modern Voice AI rewrites the script by weaving real-time speech recognition, large-language-model (LLM) intent detection, and adaptive text-to-speech into a single, continuous conversation.

Lendflow launches Offer Customization and Dynamic Offers Lendflow’s to give users enhanced control over how loan products are created, named, and presented throughout the platform.

Today marks a significant milestone for Lendflow as we announce the commitment of $15 million in growth capital from Trinity Capital Inc. (Nasdaq: TRIN). This investment represents a pivotal step in accelerating our mission to create a more accessible, efficient, and intelligent financial ecosystem.‍

Industry Map uses AI to classify businesses in real time, giving you the clarity you need to move quickly without sacrificing accuracy or compliance.

Last week, we had the pleasure of joining Inscribe.ai for an eye-opening podcast about the growing impact of AI agents in financial institutions.

Learn more about embedded lending, why it works, and what its emergence means for the future of financing.

Lendflow has relaunched its website to better reflect our mission: enabling fast, flexible, and intelligent access to capital for small businesses. Our platform connects lenders and brands through embedded infrastructure, proprietary data tools, and AI-driven workflows — all designed to streamline credit and improve outcomes for everyone involved.

Understand why Lendflow’s embedded widgets are revolutionizing lending by cutting operational complexity and speeding up capital delivery.

Fintechs must tap into advanced data aggregation to collect data from multiple sources using a single API and contract, for faster, cheaper, and more accurate credit onboarding and underwriting.

The Amazon customer experience lets customers access all of the services they need in one convenient location — embedded finance can bring that same experience to your business.

You can take three approaches to creating an embedded lending program: building, buying, or partnering. An analysis of each option reveals one to clearly stand ahead of the pack.

Advanced decisioning tools are helping lenders innovate existing underwriting models and power growth — without compromising their institutional underwriting requirements.

More precise credit analysis, minimized risk, faster launch times — automated credit decisioning delivers the optimization levers needed to catalyze growth for early-stage fintechs.

Embedded financial services offer the promise of speed, convenience, and trust to customers in a way that banks and other lenders struggle to deliver on. Here’s what traditional lenders can do to keep up.

Lenders can leverage Lendflow’s unmatched credit decisioning engine to approve customers faster, improve underwriting capabilities, and broaden their reach.

Embedded lending drives businesses forward, creating new revenue streams and allowing businesses to efficiently grow at scale.

Embedded finance promises to revolutionize the lending industry, empowering SaaS companies to connect their customers to capital quickly.

Lendflow’s unique decisioning engine is redefining how traditional financial institutions underwrite SMBs looking for capital.

The lending industry was rife with inefficiencies for far too long, so we decided to transform it.

You can take three approaches to create a Credit Decisioning Engine: build your own, buy an existing solution, or partner with best-in class providers. An analysis of each option reveals one clearly stands ahead of the pack.

With the right automated credit decisioning strategy, lenders can improve underwriting accuracy and avoid overlooking qualified borrowers.

Lendflow helps SaaS companies boost key customer metrics by offering a better customer experience to their SMB customers.

The blueprint for getting your embedded lending program up and running, allowing you to start delivering capital to customers.

Highly qualified, high-intent SMB applicants, efficient underwriting, better approval rates, and enhanced customer satisfaction levels — through Lendflow’s specialized embedded credit marketplace, lenders and fintechs break through to qualified, niche SMBs in a whole new way.

Embedded financial services have emerged into one of the most efficient ways to generate sustainable product-led growth.

While referral financing was once the only option for SaaS companies looking to connect their customers to capital, it’s no longer the only game in town. In providing a better pathway for SMBs to access capital, we detail how embedded lending is shaking up the industry.

Lendflow’s game-changing credit decisioning engine allows lenders to run superior risk assessments, qualify and approve SMB customers faster, and gain an edge in market share.

Embedded lending gives SaaS companies an edge. As a high-value and cost-effective growth driver, embedded lending helps SaaS companies expand their customer base, boost engagement, and unlock new revenue streams.

Lendflow’s Embedded Credit Operating System (ECOS) provides powerful underwriting technology that helps fintechs and SaaS build effective credit products in days, not months.

Decisioning workflows allow lenders to find qualified borrowers, minimize risk, and operate with maximum efficiency.

Explore how Lendflow’s comprehensive KYC approach uses diverse data to improve underwriting beyond traditional scores.

Find out how Lendflow’s custom workflows minimize risk while maximizing approvals tailored to your policies.

Dive into how Lendflow bridges the gap between technical setup and capital access, making lending launches faster and easier.

See how Lendflow leverages rich data to sharpen lending decisions, reducing errors and boosting profitability.

We’re excited to announce our full integration with MCA Track, a market leader in loan servicing software for MCA lenders. MCA Track provides automated pipeline, tracking and advanced loan management features — a perfect match for Lendflow’s advanced Credit Decisioning Engine and a game-changing addition for MCA lenders.

We’re excited to announce that Lendflow has partnered with Canopy Servicing, the configurable loan management and servicing platform that allows lenders to go beyond the constraints of outdated legacy systems. An innovator in supporting flexible financial solutions, Canopy Servicing is a natural fit for Lendflow’s advanced Credit Decisioning Engine.

We’re delighted to announce that Lendflow has partnered with Codat, the universal API for business data. As a powerhouse in accounting metrics, Codat is a natural fit for Lendflow’s advanced Credit Decisioning Engine.

We’ve got exciting news to share! Lendflow is proud to announce our newest partnership with Rutter, the universal API to accounting, commerce, payment processor, and subscription billing platforms. With this partnership, lenders can now directly pull Rutter’s business and financial data through Lendflow’s Credit Decisioning Engine.

Understand how Lendflow’s rapid decision-making tools improve lending results and customer satisfaction.

Discover how Lendflow empowers lenders to create proprietary scoring models for a competitive edge.

Learn how Lendflow’s automation slashes underwriting time, getting funds to borrowers faster than ever.

We’re excited to announce that Lendflow has partnered with Inscribe. Within our Credit Decisioning Engine, Inscribe will supplement our other data and service providers to help companies reduce fraud loss and improve underwriting efficiencies.

Find out how Lendflow’s customizable borrower portal turns declined applications into opportunities by offering tailored solutions.

We’re delighted to announce our partnership with Middesk, a market leader in business identity verification. Middesk brings a modern KYB (Know Your Business) and Identity-as-a-Service platform to Lendflow’s advanced Credit Decisioning Engine — a game-changing addition to our larger embedded credit ecosystem.