Best Lending APIs & Infrastructure Companies

nCino provides a platform for financial institutions, focusing on client onboarding, loan management, and account opening processes for various sectors, including commercial, consumer, small business, and mortgage. The solutions aim to assist banking operations and utilize data analytics. It was founded in 2011 and is based in Tokyo, Japan.

Finastra provides a range of financial services, treasury, lending, and banking software solutions. The company offers a wide range of services, including lending and corporate banking, payments, treasury and capital markets, universal banking, and investment management. It primarily serves the financial technology industry. It was founded in 2017 and is based in London, United Kingdom.

Amount specializes in digital origination and decisioning within the financial technology sector. The company offers a platform that facilitates account origination for lenders, integrating decisioning for credit, fraud, and compliance, as well as customer journeys to support the lending process. Amount primarily serves regional and community banks, large commercial banks, and credit unions, providing them with tools for their operations. It was founded in 2014 and is based in Chicago, Illinois.

Blend provides a platform for digital origination in the mortgage and consumer banking sectors. The platform supports the consumer journey from application to closing, offering tools for loan originations, verifications, and lender operations, along with a suite for consumer banking that includes account openings and lending processes. Blend serves financial institutions with solutions that aim to improve processes in the lending area. It was founded in 2012 and is based in San Francisco, California.

Codat works in financial data aggregation and application programming interfaces within the financial technology sector. The company provides products that allow access, synchronization, and interpretation of data from business customers' financial software, allowing financial services to integrate with their clients' accounting systems. Its solutions support lending to small businesses and automate accounting processes. The company was founded in 2017 and is based in London, United Kingdom.

Cross River is a financial technology company that provides API-driven banking infrastructure and embedded financial services. Their offerings include payment solutions, card programs, and a lending platform, which integrate with their partners' systems. Cross River serves sectors such as fintech, digital lending, and neobanks. It was founded in 2008 and is based in Fort Lee, New Jersey.

Fiserv is a technology provider in the financial services sector, focusing on money movement for financial institutions, businesses, and consumers. The company offers services including digital banking platforms, payments processing, and merchant acquiring solutions, which facilitate financial transactions. Fiserv serves sectors such as financial institutions, businesses, fintech companies, and the public sector. It was founded in 1984 and is based in Milwaukee, Wisconsin.

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.

MeridianLink provides digital lending and account opening solutions in the financial services sector. Their offerings include a loan origination system (LOS), mortgage LOS, deposit account opening, data and reporting tools, collections technology, and consulting and analytics services for financial institutions. MeridianLink serves banks, credit unions, mortgage lenders, and consumer reporting agencies. It was founded in 1998 and is based in Costa Mesa, 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.

Plaid connects users to financial data and services. The company provides products that link users' financial accounts to applications, verify identities, and support secure money movement. Plaid's solutions include fraud prevention, credit underwriting, and personal finance insights. It was founded in 2013 and is based in San Francisco, California.

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.

Solaris is a technology company with a banking license that provides Banking-as-a-Service solutions in the financial services sector. The company offers a platform for businesses to integrate digital banking, payment services, and lending options into their products through APIs. Solaris serves sectors that require embedded finance solutions, including mobility, travel, and wealth management. Solaris was formerly known as Solarisbank. It was founded in 2016 and is based in Berlin, Germany.

Stripe provides services for businesses to manage online and in-person payments. It offers products including payment processing application programming interfaces (APIs), payment tools, and solutions for handling subscriptions, invoicing, and financial reports. Stripe serves sectors such as e-commerce, Software as a Service (SaaS), platforms, marketplaces, and the creator economy. Stripe was formerly known as DevPayments. It was founded in 2010 and is based in South 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.