Your platform already has the credit data
Lendforge turns the transaction history your platform already holds into a credit decision in one API call, so you can offer financing without building an underwriting team.
Legacy underwriting was built for banks, not for the platforms where commerce happens now.
A marketplace knowing a seller has processed $340K in GMV over 18 months has more predictive signal than a three-month-old bureau pull. Lendforge models your platform's own behavioral data alongside bureau inputs, so your approval rates reflect what you actually know about your users.
Bureau-first models reject 30-40% of applicants who would perform well, because the score was built on data the platform does not use.
From integration to first decision in two weeks
REST API or webhook stream your platform events. Transaction history, user tenure, product category mix. Setup under two weeks.
Lendforge builds a decision model calibrated to your platform's population. Not a generic consumer credit model. Yours.
POST /v1/decisions at the point of application. Sub-200ms response with approved amount, rate, and ECOA reason codes.
Core capabilities
Four things that separate Lendforge from a generic scoring API
Alternative data scoring
Model inputs include platform GMV, repeat purchase rate, category concentration, seasonal variance, and velocity signals, alongside bureau tradelines.
Real-time decisioning
Full model inference under 200ms P99. Credit decisions return synchronously inside your checkout API call.
Compliance-ready outputs
Every decision includes ECOA-compliant adverse action reason codes. Audit log and decision replay API for examiner requests.
Platform-native integration
REST + webhook. Sandbox environment with synthetic population for testing. SDK in Node, Python, Ruby.
From platform operators
What happens when your approval model actually knows your users
We went from 62% approval on bureau-only to 78% approval after Lendforge layered in our own transaction history. The incremental approvals performed on par with our existing portfolio.
The compliance tooling sold it for us. We needed adverse action letters that could survive a state exam, and Lendforge generates them automatically with every decision.
Ready to underwrite on your own signal?
Talk to our team about your platform's credit program. We respond within one business day.