Lendflow Embedded Credit Infrastructure

Lendflow is a US embedded credit infrastructure company operated by Lendflow, Inc. in Austin, Texas. It helps software platforms, payment companies and brands offer business financing to their customers without building lending operations.

The platform has three pillars. Connect provides embeddable widgets, a borrower platform and a marketplace linked to 75+ lenders. Intelligence provides a credit decisioning and waterfall engine with data enrichment. Automate adds AI agents for document analysis, voice and email follow-up. It supports term loans, receivables purchase, invoice factoring, MCAs, equipment financing, SBA loans and lines of credit.

• Embeddable lending widgets: Branded landing pages and a borrower platform that sit inside a partner product.
• Lender marketplace: A network of 75+ lenders with a second-look marketplace.
• Decisioning engine: Credit waterfall, data enrichment and explainable Trust Scores.
• AI agents: Document analysis, voice and chat agents for borrower follow-up.
• Unified API: Programmatic access plus a visual workflow builder.

A Vietnamese ERP or accounting software vendor could offer financing offers to its SME users. A payment gateway or e-commerce enabler could add a branded capital marketplace. A bank or finance company could use the decisioning and workflow modules to speed up SME underwriting.

One integration reaches 75+ lenders, so brands can offer financing without a lender relationship each. The company reports 42% faster speed to funding and 80% fewer operational resources. A visual workflow builder and AI agents reduce manual underwriting follow-up.

Software and payment platforms are adding lending to raise revenue per customer and retention. Embedded financing for SMEs is a growing need in Southeast Asia, where many SMEs find bank credit hard to access, and AI-based underwriting is moving into lender workflows.

Lendflow, Inc., Austin, Texas. Raised US$15 million in growth capital (May 2025). Tearsheet 2025 Best Overall Embedded Finance Platform; FinTech Breakthrough LendTech of the Year (March 2026). SOC 2 Type II. Customers include Stax Payments, Experian and Buildertrend.