Lendmarket builds the rails small-business lenders use to originate, underwrite, fund, and service deals — in one platform, on one ledger, with the integrations already wired in.
LendFlow is our flagship platform — a multi-funder origination and servicing system built around how small-loan and MCA shops actually operate. Other products are in the works.
End-to-end loan platform: merchant intake, Plaid-verified bank data, AI-assisted underwriting, DocuSign contracts, ACH funding and daily debits, default escalation, and renewal monitoring. One ledger, three role-scoped portals, real provider integrations.
A purpose-built collections workspace that picks up where origination ends — workflow-driven outreach, settlement engine, payment-method recovery, and a clean handoff from the LendFlow servicing layer.
Coming next.
Most lending software is either a CRM with a loan tab or a half-built fintech demo. LendFlow is built for the operator who has to fund deals, debit accounts, and chase NSFs on Monday morning.
Plaid for bank verification. DocuSign for contracts. Authorize.Net CIM for card payments. Claude for bank-statement extraction and MCA position detection. Every provider sits behind a swappable interface.
Funders see only their merchants and deals. Merchants see only their own loan. Three roles, strict RBAC, and an immutable audit trail across every state change.
Average daily balance, deposit volume, NSF count, MCA position depth, ownership snapshots — calculated from raw bank data and surfaced to the underwriter, not buried in a PDF.
Stop-pays and missed payments are classified, not lumped together. Configurable thresholds per funder. Defaults flow into renewal logic the moment the merchant gets back to current.
Platform fees are earned on a configurable payment milestone — product, funder, or platform default. Tiered subscriptions and deal fees roll into a clean billing view, no monthly Excel reconciliation.
AES-256 at rest. JWT-scoped sessions. Refresh-token rotation. Document storage isolated by merchant and funder, with download URLs that re-auth every time.
Bank data, AI-extracted metrics, safety rails, and product matching — all in one decision view.
We took the time on the foundations so that the product on top can move fast.
Domain modules talk through a typed event bus. One deployable, no microservice tax, no distributed-system debugging at 2am.
30+ models, 25+ enums, every state machine modeled in the schema. Migrations live in source control, not in someone's head.
Payment processor, reconciliation, renewal monitor, billing calculator — all idempotent and traceable. No cron-on-a-laptop.
Mock-based, fast, no flaky DB. Provider interfaces let us swap real implementations without touching business logic.
AES-256 for SSN, EIN, and Plaid access tokens. JWT auth with refresh rotation. Tenant-scoped queries enforced at the service layer.
Bank-statement extraction, MCA position detection, and underwriter assist — all behind swappable interfaces. Bring your own model later if you want.
We're working with a small group of funders ahead of general availability. If that sounds like you, send us a note.