Best Lending APIs & Infrastructure Companies

Mambu is a software-as-a-service (SaaS) company that focuses on providing a cloud banking platform within the financial services industry. The company offers a composable banking infrastructure that enables clients to create and manage lending and deposit services, as well as integrate with various application programming interfaces (APIs) for a customizable financial experience. Mambu primarily serves sectors such as banks, credit unions, and retailers looking to offer digital financial products. It was founded in 2011 and is based in Amsterdam, Netherlands.

Blend specializes in digital lending solutions within the financial services industry. The company offers a suite of products that facilitate seamless digital journeys for mortgage origination, consumer banking, and loan processing. Blend's platform serves financial institutions by providing integrations and tools to streamline the lending and account origination processes. It was founded in 2012 and is based in San Francisco, California.

Nymbus operates in the financial services industry and provides alternatives to traditional banking business models. The company offers products and solutions designed to enable financial institutions of all sizes to grow and serve their customers without the need for core conversion. Nymbus primarily caters to banks and credit unions looking to launch digital banking services, create niche financial brands, or deploy core banking platforms. It was founded in 2015 and is based in Jacksonville, Florida.

Q2 is a financial experience company that specializes in providing digital banking and lending solutions within the financial services industry. The company offers a comprehensive suite of products that facilitate consumer, small business, and commercial banking, as well as risk and fraud management, relationship pricing, and alternative finance lending. Q2's digital banking platform serves as a strategic asset for financial institutions aiming to deliver cohesive, secure, and data-driven experiences to their account holders. It was founded in 2004 and is based in Austin, Texas.

MeridianLink (NYSE: MLNK) provides digital lending solutions. It automates the loan origination process for direct and indirect installment loans and provides a digital consumer loan origination system (LOS). It provides solutions for banks, credit unions, financial technology companies, and more. The company was founded in 1998 and is based in Costa Mesa, California.

Cross River provides API-driven financial solutions across various business sectors. The company offers a suite of services, including embedded payments, card issuing, and digital lending for businesses. Cross River serves sectors that require fintech infrastructure, such as digital lenders, merchant acquirers, and neobanks. It was founded in 2008 and is based in Fort Lee, New Jersey. It is a subsidiary of CRB Group, Inc.

Plaid operates as a technology company that focuses on providing a data network for fintech solutions. The company offers a suite of products that enable secure and easy connection of financial accounts to various applications and services. Plaid primarily serves the financial technology industry, including personal finance, lending, and wealth management sectors. Plaid was formerly known as Plaid Technologies. It was founded in 2013 and is based in San Francisco, California.

Thought Machine specializes in core banking software and operates within the financial technology sector. The company offers a cloud-native core banking platform, Vault Core, and a payment processing platform, Vault Payments, which enable banks to create and manage a wide range of financial products and payment schemes. Thought Machine's products are designed to provide banks with flexibility, control, and the ability to deploy on any cloud infrastructure. It was founded in 2014 and is based in London, United Kingdom.

Amount develops digital banking and financial technology solutions. The company offers a suite of products and services that enable financial institutions to provide mobile banking experiences, including swift loan approval, automated account origination, and flexible payment solutions. Its primary customers are financial institutions and their merchant partners. It was founded in 2014 and is based in Chicago, Illinois.

Capchase specializes in providing non-dilutive growth financing and payment solutions within the SaaS industry. The company offers revenue-based capital to help SaaS companies grow and scale, SaaS split payments to facilitate deal closures, and automated invoice collection to streamline cash flow management. Capchase primarily serves the SaaS industry, offering financial tools designed to accelerate sales, improve cash flow, and support customer acquisition. It was founded in 2020 and is based in New York, New York.

Codat specializes in providing financial data integration services within the banking and fintech sectors. The company offers products that enable access, synchronization, and interpretation of financial data from business customers' accounting software, facilitating various use cases such as small business lending and supplier onboarding for commercial card programs. Codat's solutions are designed to help clients grow their share of wallet, reduce churn, and scale their operations efficiently. It was founded in 2017 and is based in London, United Kingdom.

M2P is a fintech company specializing in API infrastructure within the financial services sector. The company offers a suite of solutions for Payments, Lending, and Banking that cater to banks, non-banking financial companies (NBFCs), and online businesses. M2P primarily serves the financial technology industry, including banks and NBFCs. M2P was formerly known as YAP. It was founded in 2014 and is based in Chennai, India.

Numerated is a fintech company that specializes in digital lending solutions for the business banking sector. Its main offerings include a digital loan origination system that utilizes data and artificial intelligence to streamline the commercial lending process for financial institutions. The company primarily serves banks and credit unions, enhancing their ability to provide efficient and convenient lending services to businesses. It was founded in 2015 and is based in Boston, Massachusetts.

Solaris is a technology company that specializes in embedded finance solutions within the banking sector. The company provides a banking-as-a-service platform that enables businesses to integrate digital banking, payment, and lending services into their products. Solaris primarily serves industries that require embedded financial services, such as the travel and mobility sectors. Solaris was formerly known as Solarisbank. It was founded in 2016 and is based in Berlin, Germany.

Turnkey Lender is a global leader in digital lending automation, operating in the financial technology sector. The company provides an end-to-end infrastructure that automates the entire lending process, including loan origination, management, and debt collection, using AI-based consumer and commercial credit scoring. It primarily serves the banking and ecommerce industries. It was founded in 2014 and is based in Austin, Texas.