Welcome to LendFoundry

📘
Complete Lending Lifecycle Coverage
LendFoundry provides a comprehensive API suite that powers the entire lending journey—from application submission to loan payoff.

LendFoundry's platform enables lenders, fintechs, and financial institutions to build robust lending solutions through two integrated systems that work seamlessly together.

Platform Overview

LendFoundry's API ecosystem consists of two core systems designed to handle every stage of the lending lifecycle:

System	Purpose	Key Capabilities
Loan Origination System (LOS)	Application to Decision	Applications, Verifications, Decisions, Document Management
Loan Management System (LMS)	Funding to Payoff	Payments, Servicing, Collections, Line of Credit, Modifications

Platform Architecture

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flowchart LR
    subgraph ROW1[" "]
        direction LR
        subgraph LOS["📋 Loan Origination System"]
            A1["📝 Apply"] --> A2["📄 Documents"] --> A3["🔍 Verify"] --> A4["⚖️ Decide"] --> A5["✅ Approved"]
        end
    end
    
    subgraph ROW2[" "]
        Transfer["🔄 Seamless Transfer"]
    end
    
    subgraph ROW3[" "]
        direction LR
        subgraph LMS["💰 Loan Management System"]
            B1["🏦 Onboard"] --> B2["💵 Fund"] --> B3["📋 Service"]
            B3 --> B4["💳 Payment"]
            B3 --> B5["📞 Collections"]
            B3 --> B6["✅ Close"]
        end
    end
    
    ROW1 --> ROW2 --> ROW3
    
    style ROW1 fill:#ffffff,stroke:#ffffff
    style ROW2 fill:#ffffff,stroke:#ffffff
    style ROW3 fill:#ffffff,stroke:#ffffff
    style LOS fill:#f9fafb,stroke:#2563eb
    style LMS fill:#f9fafb,stroke:#2563eb
    style A1 fill:#2563eb,stroke:#1e40af,color:#fff
    style A2 fill:#2563eb,stroke:#1e40af,color:#fff
    style A3 fill:#2563eb,stroke:#1e40af,color:#fff
    style A4 fill:#2563eb,stroke:#1e40af,color:#fff
    style A5 fill:#059669,stroke:#047857,color:#fff
    style Transfer fill:#6b7280,stroke:#4b5563,color:#fff
    style B1 fill:#059669,stroke:#047857,color:#fff
    style B2 fill:#2563eb,stroke:#1e40af,color:#fff
    style B3 fill:#2563eb,stroke:#1e40af,color:#fff
    style B4 fill:#2563eb,stroke:#1e40af,color:#fff
    style B5 fill:#2563eb,stroke:#1e40af,color:#fff
    style B6 fill:#374151,stroke:#1f2937,color:#fff

🎯 Loan Origination System (LOS)

The Loan Origination System handles the complete loan application journey from initial submission through final decision.

📷
Screenshot: LOS Dashboard
The LOS dashboard provides an overview of all loan applications, their current status, and key metrics.

Core Capabilities

Capability	Description
Application Management	Submit, edit, and track loan applications through configurable workflows
Document Collection	Upload and manage borrower documents with support for multiple file types
Verification Engine	Automated and manual verification workflows for identity, income, and eligibility
Decision Automation	Rules-based decisioning with approval, rejection, and offer generation
Task Management	Claim, assign, and escalate applications across teams
Real-time Notifications	Webhook events for application status changes and verification updates

Application Workflow

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flowchart LR
    subgraph LOS[🎯 Application Workflow]
        direction LR
        A[📝 Submit] --> B[📄 Docs]
        B --> C[🔍 Verify]
        C --> D{⚖️ Decide}
        D -->|✅ Approved| E[✅ Pass]
        D -->|❌ Rejected| F[❌ Fail]
        D -->|📋 Review| G[📋 Manual Review]
        G -->|Re-evaluate| D
        E --> H[🚀 Ready for LMS]
    end
    
    style A fill:#2563eb,stroke:#1e40af,color:#fff
    style B fill:#2563eb,stroke:#1e40af,color:#fff
    style C fill:#2563eb,stroke:#1e40af,color:#fff
    style D fill:#6b7280,stroke:#4b5563,color:#fff
    style E fill:#059669,stroke:#047857,color:#fff
    style F fill:#dc2626,stroke:#b91c1c,color:#fff
    style G fill:#d97706,stroke:#b45309,color:#fff
    style H fill:#1e40af,stroke:#1e3a8a,color:#fff

Workflow Steps:

Submit - Borrower submits loan application
Docs - Upload required verification documents
Verify - Validate identity, income, eligibility
Decide - Approve, Reject, or Manual Review
Pass - Ready for LMS onboarding

LOS API Categories

Category	Use Cases
Start Application	Initialize new applications, submit borrower data
Upload Documents	Upload verification documents, manage document categories
Complete Verifications	Execute verification workflows, update verification status
Track Progress	Monitor application status, view assignment history
Receive Decision	Retrieve approval/rejection decisions, access offer details
Configuration	Configure webhooks, manage system settings

💰 Loan Management System (LMS)

The Loan Management System handles all aspects of loan servicing from funding through payoff or charge-off.

📷
Screenshot: LMS Loan View
The LMS loan view provides comprehensive loan details, payment schedules, and servicing information.

Core Capabilities

Capability	Description
Loan Onboarding	Seamlessly onboard approved loans from LOS with complete borrower and loan data
Payment Processing	Process payments via ACH, debit card, cash, and check with flexible allocation hierarchies
Auto-Pay Management	Configure, pause, and resume automatic payment schedules
Fee Management	Apply scheduled fees, per-occurrence fees, and post charge-off fees
Line of Credit	Manage revolving credit with draw initiation, approval, and funding workflows
Loan Modifications	Restructure payments, modify terms, and implement temporary payment plans
Collections	Queue-based delinquency management with configurable collection workflows
Escrow Management	Handle escrow accounts for taxes, insurance, and other reserve items

Loan Lifecycle

%%{init: {'theme': 'base', 'themeVariables': {'background': '#ffffff', 'mainBkg': '#ffffff', 'clusterBkg': '#f0fdf4', 'clusterBorder': '#059669', 'titleColor': '#000000', 'primaryColor': '#059669', 'primaryTextColor': '#ffffff', 'lineColor': '#374151'}, 'flowchart': {'padding': 25, 'nodeSpacing': 35, 'rankSpacing': 40}}}%%
flowchart TB
    subgraph LMS[💰 Loan Lifecycle]
        direction TB
        A[🏦 Onboard] --> B[💵 Fund]
        B --> C[📋 Service]
        C --> E[💳 Pay]
        C --> F[📞 Collect]
        C --> G[🔄 Modify]
        E -->|Payment Received| C
        F -->|Collection Complete| C
        G -->|Modification Complete| C
        C -->|Loan Paid Off| D[✅ Close]
        G -->|Termination| D
    end
    
    style A fill:#059669,stroke:#047857,color:#fff
    style B fill:#059669,stroke:#047857,color:#fff
    style C fill:#2563eb,stroke:#1e40af,color:#fff
    style E fill:#2563eb,stroke:#1e40af,color:#fff
    style F fill:#2563eb,stroke:#1e40af,color:#fff
    style G fill:#2563eb,stroke:#1e40af,color:#fff
    style D fill:#374151,stroke:#1f2937,color:#fff

Lifecycle Steps:

Onboard - Transfer approved loan from LOS
Fund - Disburse funds to borrower
Service - Ongoing loan management
Pay - Process payments and fees
Collect - Handle delinquent accounts
Modify - Restructure loan terms
Close - Payoff or charge-off

LMS API Categories

Category	Use Cases
Onboard Approved Loan	Transfer approved loans from LOS, set up loan parameters
Set Up Customer Profile	Manage borrower profiles, bank accounts, contact information
Manage Loan Account	View loan details, economics, payment schedules
Process Payments	Record manual payments, manage auto-pay, handle bulk payments
Manage Fees & Charges	Apply fees, process waivers, post charge-off fees
Line of Credit (Draws)	Initiate draws, approve/reject, manage credit limits
Handle Delinquency & Collections	Queue management, collection actions, recovery
Close or Charge-Off Loan	Process payoffs, charge-offs, loan unwinding
Report & Analyze	Generate reports, access analytics
Search & Discovery	Search loans, customers, transactions

How LOS and LMS Work Together

LendFoundry's systems are designed to work as an integrated platform, providing seamless handoff from origination to servicing.

Integration Flow

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flowchart LR
    subgraph ROW1[" "]
        direction LR
        subgraph LOS["📋 LOS - Origination"]
            A1["📝 Submit"] --> A2["🔍 Verify"] --> A3["⚖️ Decide"] --> A4["✅ Approved"]
        end
    end
    
    subgraph ROW2[" "]
        C["🔄 Onboard API"]
    end
    
    subgraph ROW3[" "]
        direction LR
        subgraph LMS["💰 LMS - Servicing"]
            D1["🏦 Onboard"] --> D2["💵 Fund"] --> D3["📋 Service Loan"]
        end
    end
    
    ROW1 --> ROW2 --> ROW3
    
    style A1 fill:#2563eb,stroke:#1e40af,color:#fff
    style A2 fill:#2563eb,stroke:#1e40af,color:#fff
    style A3 fill:#2563eb,stroke:#1e40af,color:#fff
    style A4 fill:#059669,stroke:#047857,color:#fff
    style C fill:#d97706,stroke:#b45309,color:#fff
    style D1 fill:#059669,stroke:#047857,color:#fff
    style D2 fill:#2563eb,stroke:#1e40af,color:#fff
    style D3 fill:#2563eb,stroke:#1e40af,color:#fff

Integration Steps:

LOS - Submit Application → Verify & Decide
API - Single onboard API call transfers all data
LMS - Onboard Loan → Service Loan

Data Linking

%%{init: {'theme': 'base', 'themeVariables': {'background': '#ffffff', 'mainBkg': '#ffffff'}, 'flowchart': {'padding': 20, 'nodeSpacing': 60}}}%%
flowchart LR
    A[📋 APP-2024-001] -.->|🔗 Link| B[💰 LN-2024-001]
    
    style A fill:#2563eb,stroke:#1e40af,color:#fff
    style B fill:#059669,stroke:#047857,color:#fff

Link: LOS Application APP-2024-001 → LMS Loan LN-2024-001

Key Integration Points

Integration Point	Description
Application Number	Unique identifier that links LOS application to LMS loan
Onboarding API	Single API call transfers all borrower, loan, and bank details
Webhook Events	Real-time notifications for status changes across both systems
Document Continuity	Documents uploaded in LOS are accessible in LMS

Supported Loan Products

LendFoundry supports a wide range of lending products across both systems:

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flowchart LR
    subgraph Products[📦 Supported Loan Products]
        direction LR
        A[🏠 Term Loans]
        B[💳 Line of Credit]
        C[💼 MCA]
        D[🔗 SCF]
        E[🏗️ CRE]
        F[📈 Variable Rate]
    end
    
    A --- B
    B --- C
    C --- D
    D --- E
    E --- F
    
    style A fill:#2563eb,stroke:#1e40af,color:#fff
    style B fill:#2563eb,stroke:#1e40af,color:#fff
    style C fill:#2563eb,stroke:#1e40af,color:#fff
    style D fill:#2563eb,stroke:#1e40af,color:#fff
    style E fill:#2563eb,stroke:#1e40af,color:#fff
    style F fill:#2563eb,stroke:#1e40af,color:#fff

Product Type	Description	System Support
Term Loans	Fixed-term installment loans for consumers and businesses	LOS + LMS
Line of Credit (LOC)	Revolving and non-revolving credit facilities	LOS + LMS
Merchant Cash Advance (MCA)	Advances against future sales with reducing balance	LOS + LMS
Supply Chain Financing (SCF)	Invoice-based financing for supply chains	LOS + LMS
Construction/CRE Loans	Commercial real estate with escrow and earnout features	LOS + LMS
Variable Rate Loans	Loans with adjustable interest rates tied to indexes	LOS + LMS

API Architecture

LendFoundry APIs are built on modern, scalable architecture:

%%{init: {'theme': 'base', 'themeVariables': {'background': '#ffffff', 'mainBkg': '#ffffff', 'clusterBkg': '#f9fafb', 'clusterBorder': '#374151', 'titleColor': '#000000', 'primaryColor': '#2563eb', 'primaryTextColor': '#ffffff', 'lineColor': '#374151'}, 'flowchart': {'padding': 25, 'nodeSpacing': 40, 'rankSpacing': 50}}}%%
flowchart TB
    subgraph ARCH[🏗️ API Architecture]
        direction TB
        A[🖥️ App] --> B[🔐 Auth]
        B --> C[🌐 Gateway]
        C --> D[📋 LOS]
        C --> E[💰 LMS]
        C --> F[💳 Pay]
        D --> G[📡 Hooks]
        E --> G
        F --> G
        G -->|Notifications| A
    end
    
    style A fill:#2563eb,stroke:#1e40af,color:#fff
    style B fill:#d97706,stroke:#b45309,color:#fff
    style C fill:#6b7280,stroke:#4b5563,color:#fff
    style D fill:#2563eb,stroke:#1e40af,color:#fff
    style E fill:#2563eb,stroke:#1e40af,color:#fff
    style F fill:#2563eb,stroke:#1e40af,color:#fff
    style G fill:#1e40af,stroke:#1e3a8a,color:#fff

Architecture Layers:

App - Your client application
Auth - Bearer token (JWT) authentication
Gateway - API routing and rate limiting
LOS / LMS / Pay - Backend microservices
Hooks - Webhook notifications back to your app

Feature	Implementation
Protocol	RESTful APIs with JSON payloads
Authentication	Bearer token (JWT)
Architecture	Microservice-based for scalability
Real-time Events	Webhook notifications
Environments	Sandbox/Demo for testing, Production for live operations

Getting Started

Ready to integrate with LendFoundry? Follow these steps:

%%{init: {'theme': 'base', 'themeVariables': {'background': '#ffffff', 'mainBkg': '#ffffff'}, 'flowchart': {'padding': 15, 'nodeSpacing': 25, 'rankSpacing': 30}}}%%
flowchart LR
    A[1️⃣ Auth] --> B[2️⃣ Call]
    B --> C[3️⃣ URLs]
    C --> D[4️⃣ Ref]
    
    style A fill:#2563eb,stroke:#1e40af,color:#fff
    style B fill:#2563eb,stroke:#1e40af,color:#fff
    style C fill:#2563eb,stroke:#1e40af,color:#fff
    style D fill:#2563eb,stroke:#1e40af,color:#fff

Step	Action	Link
1️⃣	Set up authentication	Authentication Guide →
2️⃣	Make your first API call	Quickstart Guide →
3️⃣	Understand base URLs	Base URLs Reference →
4️⃣	Explore the API Reference	API Reference →

Additional Resources

Resource	Description
Platform Overview	Detailed architecture and microservice documentation
Core Concepts	Dates, pagination, error handling, webhooks
LOS Process Guides	Application workflows and verification
LMS Process Guides	Payment processing and loan servicing
Recipes	Step-by-step implementation tutorials

✅
Ready to Start?
Head to the Quickstart Guide to make your first API call in under 15 minutes!

Welcome to LendFoundry

Welcome to LendFoundry

Complete Lending Lifecycle Coverage

Platform Overview

Platform Architecture

🎯 Loan Origination System (LOS)

Screenshot: LOS Dashboard

Core Capabilities

Application Workflow

LOS API Categories

💰 Loan Management System (LMS)

Screenshot: LMS Loan View

Core Capabilities

Loan Lifecycle

LMS API Categories

How LOS and LMS Work Together

Integration Flow

Data Linking

Key Integration Points

Supported Loan Products

API Architecture

Getting Started

Additional Resources

Ready to Start?