Platform Overview

📘

Microservice Architecture

LendFoundry's platform is built on a modern microservice architecture, providing scalable, independent services for loan origination and loan management.

LendFoundry's API platform consists of two integrated systems—the Loan Origination System (LOS) and the Loan Management System (LMS)—that work together to handle every stage of the lending lifecycle. This document provides a detailed overview of the platform architecture, microservices, and integration patterns.

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Architecture Overview

LendFoundry APIs are built on a microservice-based architecture designed for scalability, reliability, and independent deployment.

Core Architecture Principles

Platform Architecture

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flowchart TB
    Platform[🏗️ Platform]
    
    Platform --> LOS
    Platform --> LMS
    
    subgraph LOS[📋 LOS]
        direction TB
        A1[Back Office] --> A2[Borrower]
        A2 --> A3[Affiliate]
    end
    
    subgraph LMS[💰 LMS]
        direction TB
        B1[App Processor] --> B2[Loan Mgmt]
        B2 --> B3[Payment]
        B3 --> B4[Business]
        B4 --> B5[Call Mgmt]
        B5 --> B6[Draw Filters]
        B6 --> B7[Loan Filters]
        B7 --> B8[Accounting]
        B8 --> B9[Draw Processor]
    end
    
    style Platform fill:#2563eb,stroke:#1e40af,color:#fff
    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 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
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    style B7 fill:#2563eb,stroke:#1e40af,color:#fff
    style B8 fill:#2563eb,stroke:#1e40af,color:#fff
    style B9 fill:#2563eb,stroke:#1e40af,color:#fff

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Loan Origination System (LOS) Architecture

The Loan Origination System (LOS) handles the complete application journey from initial submission through final decision. LOS provides three distinct API portals, each serving different user types and use cases.

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Screenshot: LOS Dashboard

The LOS dashboard provides a comprehensive view of the loan origination system interface.

LOS Base URL

https://loc.demo.kendra.lendfoundry.com/v1

LOS Microservices (Portals)

LOS is organized into three API portals, each accessible through dedicated endpoints:

LOS Architecture Diagram

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flowchart TB
    subgraph LOS[📋 LOS Architecture]
        A[🌐 Gateway] --> B[Back Office]
        A --> C[Borrower]
        A --> D[Affiliate]
        B --> E[Applications]
        C --> E
        D --> E
        E --> F[Verifications]
        F --> G[Decisions]
    end
    
    style A fill:#6b7280,stroke:#4b5563,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
    style G fill:#6b7280,stroke:#4b5563,color:#fff

LOS Capabilities:

• Back Office - Internal staff operations, application review, manual verification
• Borrower - Self-service portal for borrowers to submit and track applications
• Affiliate - Partner integration portal for third-party referrals

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Loan Management System (LMS) Architecture

The Loan Management System (LMS) handles all aspects of loan servicing from funding through payoff. LMS is built on a distributed microservice architecture with nine independent services.

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Screenshot: LMS Dashboard

The LMS dashboard provides a comprehensive view of the loan management system interface.

LMS Base URL

https://api.demo.lms.lendfoundry.com/v1

LMS Microservices

LMS consists of nine microservices, each handling specific aspects of loan management:

LMS Architecture Diagram

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flowchart TB
    subgraph LMS[💰 LMS Architecture]
        A[🌐 Gateway] --> B[App Processor]
        A --> C[Loan Mgmt]
        A --> D[Payment]
        A --> E[Business]
        A --> F[Call Mgmt]
        A --> G[Draw Filters]
        A --> H[Loan Filters]
        A --> I[Accounting]
        A --> J[Draw Processor]
    end
    
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    style B fill:#059669,stroke:#047857,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
    style G fill:#2563eb,stroke:#1e40af,color:#fff
    style H fill:#2563eb,stroke:#1e40af,color:#fff
    style I fill:#2563eb,stroke:#1e40af,color:#fff
    style J fill:#2563eb,stroke:#1e40af,color:#fff

LMS Service Responsibilities:

• Application Processor - Handles loan onboarding workflows
• Loan Management - Core loan lifecycle operations
• Payment Processor - All payment-related operations
• Business Applicant - Borrower and business data management
• Call Management - Communication and call note tracking
• Draw Filters - LOC draw request validation
• Loan Filters - Search and discovery operations
• Loan Accounting - Financial transactions and accounting
• Draw Processor - LOC draw execution and funding

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Data Flow: LOS to LMS

The integration between LOS and LMS enables seamless handoff of approved applications for loan servicing.

Integration Flow

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flowchart LR
    subgraph LOS[📋 LOS]
        A[📝 Submit] --> B[🔍 Verify]
        B --> C{⚖️ Decide}
        C -->|✅| D[✅ Pass]
        C -->|❌| E[❌ Fail]
    end
    
    subgraph LMS[💰 LMS]
        F[🏦 Onboard] --> G[💵 Fund]
        G --> H[📋 Service]
    end
    
    D -->|API Call| F
    
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    style F fill:#059669,stroke:#047857,color:#fff
    style G fill:#2563eb,stroke:#1e40af,color:#fff
    style H fill:#2563eb,stroke:#1e40af,color:#fff

Data Flow Steps:

1. Submit - Application submitted in LOS through Back Office, Borrower Portal, or Affiliate API
2. Verify - Verification workflows executed (identity, income, eligibility)
3. Decide - Decision made (Approved, Rejected, or Manual Review)
4. Onboard - Approved loans transferred to LMS via onboarding API
5. Fund - Loan funded and disbursed to borrower
6. Service - Ongoing loan servicing (payments, collections, modifications)

Data Linking

Applications and loans are linked through the application number:

%%{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

Linking Mechanism:

• LOS application number (e.g., APP-2024-001) serves as the primary linking key
• LMS generates a loan number (e.g., LN-2024-001) upon onboarding
• Both identifiers remain linked throughout the loan lifecycle

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Integration Points

LOS and LMS integrate through several key mechanisms:

Application Number Linking

The application number is the primary identifier that links LOS applications to LMS loans:

Onboarding API

The onboarding API provides a single endpoint to transfer all application data from LOS to LMS:

• Single API Call - Transfers borrower, business, loan, and bank account data
• Complete Data Transfer - All application details preserved
• Status Synchronization - Application status tracked across both systems

Webhook Events

Real-time webhook notifications keep systems synchronized:

Document Continuity

Documents uploaded in LOS are accessible in LMS:

• Documents uploaded during application process remain available
• No need to re-upload documents after onboarding
• Document history preserved across systems

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Supported Loan Products

LendFoundry supports a comprehensive range of lending products across both LOS and LMS:

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flowchart LR
    subgraph Products[📦 Loan Products]
        A[🏠 Term]
        B[💳 LOC]
        C[💼 MCA]
        D[🔗 SCF]
        E[🏗️ CRE]
    end

All product types are fully supported through both systems, enabling end-to-end processing from application to payoff.

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API Communication Patterns

Request Format

All APIs follow RESTful principles:

• Protocol: HTTPS
• Method: GET, POST, PUT, PATCH, DELETE
• Content-Type: application/json
• Authentication: Bearer token in Authorization header

Response Format

Standardized JSON responses:

• Success: 200-level status codes with data payload
• Error: 400-level status codes with error details
• Pagination: Consistent pagination structure for list endpoints

Environment Support

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Next Steps

Now that you understand the platform architecture, explore these resources:

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