Welcome to LendFoundry API

📘
Complete Lending Lifecycle Coverage
LendFoundry provides enterprise-grade APIs covering the entire lending lifecycle, from application submission through loan servicing, payments, and collections.

LendFoundry's API platform enables financial institutions to build seamless lending experiences with two integrated systems working together:

Application Submission & Approval APIs (LOS) — Handle loan origination from application intake through approval
Active Loan Servicing APIs (LMS) — Manage active loans including payments, accounting, and collections

Platform Architecture

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flowchart LR
    subgraph LOS[📋 Application Submission APIs]
        A[📝 Apply] --> B[📄 Docs]
        B --> C[🔍 Verify]
        C --> D{⚖️ Decide}
        D -->|✅| E[✅ Approve]
        D -->|❌| F[❌ Decline]
    end
    
    subgraph LMS[💰 Active Loan Servicing APIs]
        G[🏦 Onboard] --> H[💵 Fund]
        H --> I[📋 Service]
        I --> J[💳 Pay]
        I --> K[📞 Collect]
    end
    
    E -->|Board Loan| G
    
    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:#059669,stroke:#047857,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
    style K fill:#d97706,stroke:#b45309,color:#fff

Workflow Steps:

Apply — Borrower submits loan application through any channel
Docs — Upload and verify required documents
Verify — Complete identity, income, and business verifications
Decide — Automated or manual underwriting decision
Approve/Decline — Final decision on application
Onboard — Board approved loan to servicing system
Fund — Disburse loan proceeds
Service — Ongoing loan management and accounting
Pay — Process payments (ACH, wire, check)
Collect — Handle delinquent accounts

System Overview

System	Purpose	Authentication	Base URL
Application Submission APIs	Loan origination, document collection, underwriting	API Key	`https://loc.demo.kendra.lendfoundry.com/v1/darbaan`
Active Loan Servicing APIs	Loan servicing, payments, accounting, collections	Bearer JWT	`https://api.demo.lms.lendfoundry.com/v1`

⚠️
Important
Application Submission APIs and Active Loan Servicing APIs use different authentication methods. See the Authentication Guide for details.

Quick Start

Step 1: Get Your Credentials

Contact sales@lendfoundry.com to request API access. Specify:

Company name
System(s) needed (Application Submission, Active Loan Servicing, or both)
Environment (sandbox/production)

Step 2: Choose Your System

If You Need To...	Use This System
Submit loan applications	Application Submission APIs
Upload and verify documents	Application Submission APIs
Process underwriting decisions	Application Submission APIs
Service active loans	Active Loan Servicing APIs
Process payments	Active Loan Servicing APIs
Manage collections	Active Loan Servicing APIs
Both origination and servicing	Both systems

Step 3: Make Your First API Call

curl -X POST "https://loc.demo.kendra.lendfoundry.com/v1/darbaan/back-office/rest/api/list-applications" \
  -H "Authorization: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"page": 1, "size": 10}'

const response = await fetch(
  'https://loc.demo.kendra.lendfoundry.com/v1/darbaan/back-office/rest/api/list-applications',
  {
    method: 'POST',
    headers: {
      'Authorization': 'YOUR_API_KEY',
      'Content-Type': 'application/json'
    },
    body: JSON.stringify({ page: 1, size: 10 })
  }
);

const data = await response.json();
console.log(data);

import requests

url = "https://loc.demo.kendra.lendfoundry.com/v1/darbaan/back-office/rest/api/list-applications"
headers = {
    "Authorization": "YOUR_API_KEY",
    "Content-Type": "application/json"
}

response = requests.post(url, json={"page": 1, "size": 10}, headers=headers)
data = response.json()
print(data)

HttpClient client = HttpClient.newHttpClient();
HttpRequest request = HttpRequest.newBuilder()
    .uri(URI.create("https://loc.demo.kendra.lendfoundry.com/v1/darbaan/back-office/rest/api/list-applications"))
    .header("Authorization", "YOUR_API_KEY")
    .header("Content-Type", "application/json")
    .POST(HttpRequest.BodyPublishers.ofString("{\"page\": 1, \"size\": 10}"))
    .build();

HttpResponse<String> response = client.send(request, 
    HttpResponse.BodyHandlers.ofString());
System.out.println(response.body());

Key Capabilities

Application Submission & Approval APIs

Capability	Description
Multi-Channel Intake	Accept applications from Borrower Portal, Affiliate Portal, or Back Office
Document Management	Upload, categorize, and verify supporting documents
Verification Workflows	Automated and manual verification processes
Credit Bureau Integration	Pull credit reports from major bureaus
Underwriting Automation	Rules-based decision engine with manual override
Task Management	Assign and track underwriting tasks
Webhook Notifications	Real-time status change notifications

Active Loan Servicing APIs

Capability	Description
Loan Boarding	Board approved loans with full borrower data
Amortization Schedules	Generate and manage payment schedules
Payment Processing	ACH, wire transfer, and check processing
Interest Accrual	Daily accrual with configurable methods
GL Accounting	Full general ledger integration
Line of Credit	Draw-down management for LOC products
Collections	Call tracking and collection workflows
Portfolio Analytics	Filter and analyze loan portfolio

API Reference Navigation

Category	Description
Authentication	Authentication methods for both systems
API Integration Flow	End-to-end integration workflow
Rate Limiting	Rate limits and best practices
Error Codes	Comprehensive error code reference
Versioning	API versioning and deprecation policy

Support

Resource	Contact
Sales & Access	sales@lendfoundry.com
Technical Support	Contact your LendFoundry representative
Documentation Issues	Report through your support channel

✅
Ready to Get Started?
Head to the Authentication Guide to learn how to authenticate with LendFoundry APIs.