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POST /v1/decisions — <800ms p50

Scale thin-file lending with API-native decisioning

Fintech lenders moving fast need infrastructure that keeps up. Lendiro's cash-flow decisioning API integrates in a sprint, scales with volume, and ships compliant adverse action handling out of the box.

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The Challenge

Fintech lenders have unique thin-file constraints

Building internal cash-flow models takes data science resources and 12-18 months of production validation. Your thin-file market isn't waiting.

Model development lead time
Building a proprietary cash-flow underwriting model from scratch requires 12-18 months of development and validation before it's production-ready.
ECOA compliance for alternative data
Using alternative data without properly mapped adverse action reason codes is a regulatory liability. Most fintech compliance teams want this solved before the first loan.
Disparate-impact monitoring
Investors and regulators both want to see disparate-impact analysis on alternative data signals. Building monitoring dashboards is non-trivial.

What the Growth tier includes

  • Full cash-flow decisioning API with all four signal categories
  • Disparate-impact monitoring dashboard — track signal performance by demographic proxy
  • Webhook delivery for async decisioning workflows
  • $0.08/decision at 2,500–25,000 decisions/month — scales with volume
See full pricing
Built for Engineering Teams

API-first. Documented. Production-ready.

Integrate in a sprint

The quickstart guide walks a backend engineer through authentication, first API call, and LOS integration in under 4 hours. REST + JSON, no SDKs required.

Webhook async delivery

Submit decisions and receive results via webhook when processing is complete. Supports high-volume asynchronous origination pipelines without polling.

Structured compliance output

Reason codes come back as structured fields, not free text. Your adverse action notice workflow can consume them programmatically — no manual mapping.

Technical Workflow

From data source to decision in your pipeline

01
Authenticate with API key
Bearer token in Authorization header. IP allowlist and webhook HMAC signing available at Growth and Enterprise tiers.
02
Submit normalized transaction payload
POST to /v1/decisions with 24 months of categorized transaction data. Lendiro handles normalization if your source is Plaid, MX, or Finicity.
03
Receive decision synchronously or via webhook
Synchronous response <800ms p50. Async webhook for high-volume pipelines. Decision includes score, recommendation, signal breakdown, reason codes.
04
Trigger adverse action notice if needed
POST to /v1/adverse-action with the decision ID. Receive plain-English reason statements mapped to Reg B codes for your notice workflow.

Ready to run a pilot?

Growth tier at $0.08/decision for 2,500–25,000 decisions/month. Start with a pilot cohort, validate model performance against your own data, then scale.

Talk to the Team API Reference

Email: [email protected]