Pricing
Pricing that scales with your decision volume, not your loan book.
Lendforge charges per credit decision, not on loan origination volume or AUM. No rev-share, no percentage of advances.
Per-decision pricing. No origination cut. No AUM fee.
Starter
$890
/month
Up to 2,000 decisions/mo. $0.45 per decision over cap.
- Up to 2,000 decisions/month
- REST API + sandbox environment
- Pre-built alternative data features
- Standard adverse action reason codes
- Email support, 2 business day SLA
- Decision audit log, 12-month retention
Most common
Growth
$2,800
/month
Up to 10,000 decisions/mo. $0.30 per decision over cap.
- Up to 10,000 decisions/month
- Custom model calibration on your data
- Credit policy rules engine
- SHAP feature attribution per decision
- ECOA-compliant adverse action notices
- Disparate impact monitoring dashboard
- Slack + email support, 4-hour SLA
- Decision audit log, 25-month retention
Scale
Custom
Volume-tiered per negotiated schedule.
- 100,000+ decisions/month
- Dedicated model calibration team
- Custom feature engineering pipeline
- Multi-product credit program support
- Bank partner program structuring guidance
- SLA: 99.9% uptime commitment
- Dedicated account management
- On-site compliance review support
Common questions about pricing
Any API call to /v1/decisions that returns a result, whether approved, countered, or declined. Sandbox decisions and test calls do not count toward your monthly cap.
Yes. You can upgrade plans at the start of the next billing month. Downgrade requests are also honored at month end. No contract lock-in on Starter or Growth. You are charged the plan rate for the full month in which the change takes effect. Scale agreements are annual with negotiated volume schedules.
No. Lendforge charges only for the decisioning service. We do not participate in origination fees, yield spread, or default recovery proceeds. Your economics are yours.
No setup fee on Starter or Growth. Scale agreements may include a one-time model calibration fee depending on data volume and complexity. That is discussed and agreed in writing before scoping begins.
Yes. When you have no loan outcome history, Lendforge uses transfer learning from comparable platform cohorts to calibrate an initial model. As your portfolio seasons and repayment data accumulates, the model recalibrates on your own outcomes. Starter and Growth plans both include this cold-start path. You do not need two years of charge-off data to start.