LendAPI has joined the American Fintech Council (AFC), according to an announcement from the industry association on August 19, 2025. LendAPI is known for providing infrastructure-first embedded finance technology that supports businesses in launching and scaling lending products efficiently.
Phil Goldfeder, CEO of the American Fintech Council, commented on the addition: “An innovator and dear friend, Timothy Li is always making positive impacts on the fintech ecosystem and I’m excited to be working with him again. LendAPI is making it easier for fintech companies to develop and launch new lending solutions responsibly. By embedding tools for onboarding, risk management, and underwriting into one secure platform, they’re helping companies reduce time to market while maintaining the safeguards that are essential to long-term consumer trust. Their approach aligns with AFC’s commitment to advancing financial innovation that is efficient, transparent, and secure.”
LendAPI offers a modular API platform aimed at fintechs, banks, retailers, and technology platforms. Its system enables these organizations to manage key parts of the lending lifecycle—including real-time underwriting, risk assessment, compliance processes, and contract generation—within their own applications. This integrated method can help lower operational costs and improve approval rates while allowing rapid development of new products.
Timothy Li, CEO and Co-Founder of LendAPI said: “LendAPI is committed to empowering our partners with the infrastructure they need to innovate at speed and scale. Our technology lets teams design, test, and deploy tailored credit products in days, helping them respond to market changes with agility while ensuring compliance and consumer protection. Joining the American Fintech Council allows us to collaborate with like-minded leaders committed to responsible innovation in financial services.”
The AFC describes itself as a standards-based organization representing major fintech companies and innovative banks involved in embedded finance solutions. The council’s mission includes promoting transparency in financial services as well as supporting policies that foster responsible innovation.
LendAPI continues its work by providing reliable APIs designed for fast deployment of compliant lending solutions across various sectors.