Lendflow Credit Engine lets you use your or our credentials to simplify orchestration and deliver hyper-targeted, pre-approved or hard credit offers that grow lending.



Access extensive data with one API, create optimized workflows, and increase approvals without added risk.
Expand your reach with top-quality data to identify valuable leads
Streamline workflows to enhance accuracy and reduce risks
Intelligence powers faster and smarter lending operations

Enhance approvals with comprehensive data beyond credit scores. Our single API brings together banking, business credit, and fraud detection data, helping you make smarter credit decisions instantly.


KYC, KYB, Fraud,
Document verification

Bank Data,
Cash flow analysis

Accounting, Payroll,
E-commerce data

Personal Credit, Social Scoring,
Business Credit

Bankruptcies, Judgment,
Liens, UCC filling

Configure underwriting workflows tailored to your policies. Use conditional triggers to pull data from various sources, optimizing decision-making and reducing costs.


Build your own proprietary applicant scoring system or tap into Lendflow’s pre-built templates to assign weight to each data point and rank each credit applicant in seconds.



Use our drag-and-drop rule builder to combine Trust Score thresholds, cash-flow metrics, and document statuses; publish changes instantly without code.
Yes, the Lendflow platform supports A/B testing for scorecards and approval logic.
Yes, the platform can support multiple scorecards per borrower including product-specific scorecards, multi-product parameters, and cross product evaluation.
If there are no matches, the application will be labeled as declined and the borrower will be sent automated communication, based on lender preferences. If information is uncertain, the application will be escalated to manual review.