API Overview
The Lendiro API provides cash-flow decisioning infrastructure for lenders serving thin-file and credit-invisible borrowers. Submit 24 months of bank transaction data; receive a structured decision score, signal breakdown, and Regulation B–compliant adverse action reason codes.
Core concepts
The Lendiro API centers on three concepts:
- Decisions — A decision is one cash-flow analysis of a single applicant's transaction history. The primary resource returned from
/v1/decisions. - Signals — The four cash-flow signal categories (income consistency, expense discipline, liquidity cushion, payment reliability) that compose the decisioning score.
- Adverse action — The compliance output resource at
/v1/adverse-action, which generates Reg B–mapped reason statements for use in consumer notices.
Authentication
All API requests require a bearer token in the Authorization header:
Authorization: Bearer lndr_live_sk_xxxxxxxxxxxxxxxxxxxxxxxxAPI keys are provisioned per account and can be scoped to specific environments (sandbox / production). Contact [email protected] to request your API key.
Documentation sections
Authenticate and submit your first decision in under 30 minutes.
Complete endpoint documentation with request/response schemas.
Transaction schema, signal definitions, and response field reference.
Adverse action notices, Reg B reason codes, and audit log export.
Rate limits
API rate limits depend on tier:
- Community tier: 10 requests/second, 2,500 decisions/month
- Growth tier: 50 requests/second, 25,000 decisions/month
- Enterprise tier: Custom rate limits per SLA agreement
Rate limit headers (X-RateLimit-Limit, X-RateLimit-Remaining, X-RateLimit-Reset) are included in every response.
Environments
Two environments are available:
- Sandbox:
https://api-sandbox.lendirow.com— for integration testing. Returns synthetic decisions. Not billed. - Production:
https://api.lendirow.com— live environment, billed per decision.