Lendflow

Active

Embedded lending infrastructure for software companies

Winter 2021Founded 201955 peopleAustin, TX, USA

lendflow.com ↗LinkedIn ↗X ↗Crunchbase ↗See on the Idea Map Fintech momentum

About

We help companies embed lending services into their software so they can better serve their customers by helping them access capital, increase engagement in their product, improve retention and expand their revenue per user.

From their website

as of Jun 7, 2026lendflow.com ↗

API/InfraSubscription

Lendflow provides an embedded lending infrastructure that enables software brands and lenders to connect, decide, and automate funded lending offers within their platforms. The solution emphasizes modularity, real-time insights, and AI-powered automation to scale embedded credit.

Lendflow offers a modular platform including: Connect (widgets, landing pages, APIs) to embed capital products; Intelligence (real-time data aggregation, Trust Scores, analytics) for smarter decisions; Automate (AI-powered workflows, AI agents for document parsing, notifications, and status updates) to streamline operations from apply to funded. The platform supports a neutral network of 75+ lenders, pre-qualified offers, and a seamless lender connection within partner apps. Real-time insights, explainable decisioning, and no-code workflow tools enable brands to deploy embedded lending quickly and scale with their existing technology stack.

Who it’s for: Brands and lenders seeking to embed lending into their software platforms to offer credit, improve conversion, and automate lending operations.

Features

modular platform to build and scale embedded lending partnerships
real-time data aggregation and trust scoring
AI-powered workflows and agents for document handling and communications
unified API with ready-to-drop widgets and landing pages
pre-qualified offers and a high-intent SMB lending stream
no-code workflow builder for decisioning and automation
zero or minimal integration overhead with hosted credit model

Customers: Experian, BuilderTrend, Stax Payments, OnDeck, BHG Financial, eCapital

Customer testimonials and named partners, awards and recognition in fintech, mention of offers and funding speed metrics; publicly showcased partnerships and case studies indicating traction and market validation

Founders · 2

Jon FryFounder

Founded ChannelGrowth in 2014, we specialized in small business customer acquisition for the alternative lending industry. We originated $150+ million over the past 5 years. Launched Quicklinecredit in 2017, which was our own integral micro funding product, where we built software for each stage of the lending process. Launched Lendflow in 2019.

LinkedIn ↗X ↗

Matthew WattsFounder

Matthew is co-founder of Lendflow and plays a leading role in driving key strategic initiatives and innovation across all engineering teams and the core business. Prior to joining Lendflow, Matthew oversaw teams at SpendHQ and directly leverages this expertise at Lendflow. In his free time he works as a volunteer for the National Park Service.

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