Embedded lending for your business customers.
Offer term loans, BNPL, and working capital lines to the businesses in your platform. Automated underwriting, bank-backed compliance, and same-day disbursement — all through one API.
Bank-partnership lending complexity kills roadmaps
State licensing is a separate project
Consumer and commercial lending licenses are issued at the state level. 48-state coverage means 48 separate applications, surety bonds, renewal cycles, and examination readiness obligations. A compliance attorney is a minimum requirement to get started.
Bank partnership timelines
Finding an FDIC-insured bank willing to sponsor lending products for a startup — and negotiating the agreement — routinely takes 12-18 months.
Underwriting from scratch is a multi-year project
A credit model, decisioning engine, loan servicing system, TILA disclosure generator, adverse action notice workflow, and collections automation stack — building it yourself means 2+ years before your first funded loan. That's before you've acquired a single borrower.
Finsyncio Lending Module
Automated underwriting
Credit decisions in under 15 minutes using data from your platform — no external credit bureau call required for most products.
Term loans and BNPL
3-36 month term loans and BNPL installment products for business borrowers. Configurable APR ranges within your compliance envelope.
48-state coverage
State lending licenses are maintained at the platform level — you inherit coverage without applying for anything yourself.
Same-day disbursement
Approved loans fund same-day via ACH or RTP. Loan servicing, collections, and TILA disclosures handled within the platform.
POST /v1/loans/originate
Submit a loan origination request with borrower ID, amount, and term. Finsyncio handles identity verification, credit decisioning, state licensing, and disbursement.
Full API Reference$ curl -X POST \
https://api.finsyncio.com/v1/loans/originate \
-H "Authorization: Bearer sk_live_7xKpQ3mNrV8w" \
-d '{
"borrower_id": "usr_8a4f2c",
"amount_cents": 500000,
"term_months": 12,
"product_type": "term_loan"
}'
# 200 OK
{
"loan_id": "ln_4K9mPq2rXv",
"status": "underwriting",
"decision_eta_minutes": 15
}Ready to add lending to your platform?
Free sandbox. Go from test to production in weeks.