LendAPI collaborates with EDGE to embed consumer cashflow scores and risk attributes directly into lending workflows, enhancing decisions for borrowers with limited credit history and expanding data-driven risk models.
LendAPI has struck a partnership with cashflow bureau EDGE that will put consumer reports, cashflow scores and risk attributes directly into its lending workflows, giving lenders a way to use alternative data at the point where credit decisions are made and monitored.
According to the companies, the integration will surface EDGE data inside LendAPI’s Rules Studio and Model Studio, while also extending into post-origination servicing through its Embarc loan management system. That means lenders using the platform will be able to assess cashflow patterns during underwriting and then carry those insights forward after a loan is booked.
The deal is aimed in part at thin-file borrowers, or consumers with limited traditional credit history. LendAPI said the combination could be particularly useful for unsecured personal instalment products such as buy now, pay later plans and debt consolidation loans, where income verification and repayment capacity can be harder to judge using conventional scores alone. The company also said lenders will be able to test cashflow-informed policies in a sandbox before moving them into production.
EDGE is also broadening its own product set. The company has introduced an expanded suite that includes an Account Health Score, a Liquidity Stability Score and an Early Payment Default score, all built on bank transaction and loan performance data from participating lenders. It also plans to make its EdgeConnect bank aggregation tool available through LendAPI, creating a path from account data to bureau intelligence within the same environment.
Timothy Li, co-founder and chief executive of LendAPI, said in the announcement that customers do not want extra data contracts to manage. Brian Reshefsky, EDGE’s founder and chief executive, said the partnership is intended to help lenders use cashflow data inside the systems they already rely on, rather than treating it as a separate analysis layer.
The agreement comes as LendAPI continues to build profile in fintech. Founded in 2024 and based in Irvine, California, the company won Best of Show at its Finovate debut at FinovateFall 2025 in New York. EDGE, founded in 2021 and based in Chicago, says its predictive intelligence platform is designed to help lenders reach consumers who may be overlooked by traditional risk models.
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