"Reaching $1 billion in annual funding offers was a learning moment": Lendflow's Founder and CEO, Jon Fry, on how that figure became a springboard for internal innovation - Tearsheet

"Not all bridges are made of steel and concrete. In finance, many exist out of sight - invisible rails of code, APIs, and data flows connecting borrowers to lenders. While many in the crowded embedded finance space straddle the line between partner and competitor, Lendflow has staked out a different identity as a neutral bridge in the credit infrastructure stack."

"Lendflow's product mix is built around three main pillars: Lendflow Connect links brands and lenders through APIs and embeddable widgets. Lendflow Intelligence is a data engine that brings data and decisioning into one place, allowing firms to benefit from insights that might otherwise be lost in fragmented underwriting infrastructure. Lendflow Automate deploys workflow automation and AI agents to handle the repetitive, manual work that bogs down lending workflows."

"The result is a modular system: a SaaS startup can slot in a single component with a line of code, while a large enterprise can optimize the entire lending process end-to-end. Lendflow's approach has delivered results. By the end of 2024, the platform had powered over $1 billion in annual credit offers. Brands and SMBs saw faster funding and deeper customer engagement; for lenders, this translated into faster originations and higher-quality deal flow."

Lendflow, founded in 2019 and headquartered in Austin, Texas, operates as a neutral connector between brands embedding credit and a network of 75+ capital partners. Its modular product set includes Connect (APIs and embeddable widgets), Intelligence (a unified data and decisioning engine), and Automate (workflow automation and AI agents). The platform enables both startups and enterprises to integrate partial or end-to-end lending infrastructure with minimal code. By end of 2024, Lendflow powered over $1 billion in annual credit offers, accelerating funding and customer engagement for brands and improving originations and deal quality for lenders. The platform received Best Overall Embedded Finance Platform recognition.

Read at Tearsheet