- Loan origination and management platform LendAPI has partnered with cashflow bureau EDGE.
- The partnership will enable LendAPI to help lenders integrate cashflow intelligence into their lending workflows, giving them access to EDGE consumer reports, scores, and risk attributes.
- Founded in 2024, LendAPI won Best of Show in its Finovate debut at FinovateFall 2025 in New York.
Loan origination and management platform LendAPI has teamed up with cashflow bureau EDGE. The partnership will enable lenders to access EDGE consumer reports, cashflow scores, and risk attributes directly within LendAPI’s decisioning and servicing workflows.
EDGE aggregates bank account and transaction data, transforming it into explainable, machine-learning-derived scores and attributes for lending and rental screening. LendAPI is used by credit unions, community banks, and consumer and embedded finance lenders to configure products, automate decisioning, originate loans, and manage portfolios from a unified lending platform. The partnership will make EDGE cashflow bureau intelligence available to LendAPI customers. EDGE consumer reports, cashflow-derived scores, and risk attributes will be accessible inside LendAPI’s Rules Studio and Model Studio. This data will also be available to inform post-origination servicing via LendAPI’s loan management system, Embarc.
Access to EDGE will enable lenders using LendAPI to incorporate cashflow intelligence into the workflows where credit decisions are made and managed. One use case, which also underscores the ability of EDGE to reach creditworthy, underserved borrowers, is conducting thin-file income and ability-to-pay assessments on unsecured personal installment products such as Buy Now, Pay Later and debt consolidation loans. EDGE enables lenders to build cashflow-informed policies such as these and test them in a sandbox environment before putting them into production.
“Our customers do not want another data contract to administer,” LendAPI Co-Founder and CEO Timothy Li said. “EDGE scores and attributes are now configurable in Model Studio and Rules Studio, so a lender can stand up a cashflow-informed credit policy in an afternoon, validate it against their own portfolio, and carry those insights through to servicing in Embarc.”
LendAPI’s partnership with EDGE comes as the cashflow bureau unveils an expanded suite of scores, including an Account Health Score, a Liquidity Stability Score, and an Early Payment Default (EPD) score. The Account Health Score gives lenders a current view of a borrower’s financial health. The Liquidity Stability Score evaluates near-term repayment capacity for products such as cash advance and earned wage access. The EPD Score assesses the risk of early default for installment and other longer-duration credit. The newly expanded suite is built on EDGE’s growing data lake of bank transaction and loan performance data from its network of participating lenders.
The partnership will also make EDGE’s bank aggregation solution, EdgeConnect, available through the LendAPI platform to give lenders a single path from account data to cashflow bureau intelligence inside a unified lending ecosystem. EDGE joins nearly 30 data and infrastructure providers available via the LendAPI partner catalog.
“EDGE was built to help lenders act on cashflow data, not just access it,” EDGE Founder and CEO Brian Reshefsky said. “Our partnership with LendAPI gives lenders a direct path to use EDGE consumer reports, scores, and attributes inside the systems where lending teams already work. That is how cashflow intelligence moves from standalone analysis to improved decision-making across the lending lifecycle.”
Chicago, Illinois-based EDGE offers a predictive intelligence platform that uses alternative data for consumer risk scoring and predictive behavioral mapping. The company’s data lake combines consumer-permissioned bank transaction data with loan performance at scale to deliver predictive risk analytics and modeling attributes curated for immediate action in underwriting decisions. Founded in 2021, the company helps lenders boost conversions of consumers who are often overlooked when traditional risk assessments are used.
Founded in 2024 and headquartered in Irvine, California, LendAPI won Best of Show in its Finovate debut at FinovateFall 2025. At the conference, the company demonstrated how its all-in-one platform enables lenders to launch a variety of financial products in minutes with full underwriting, model implementation, and third-party data integration.
Photo by Tierra Mallorca on Unsplash
