⚙️ Developers

LenderCloud Partner API

Embed equipment financing into your website, checkout, or point-of-sale system. Submit applications, get instant underwriting decisions, manage documents, and retrieve signed application packages — all over a simple REST API.

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Overview

The API is organized around REST. All requests and responses are JSON (except binary PDF downloads). The base URL is:

https://lendercloud.com/api/v1

The core flow is bi-directional:

You → LenderCloud: submit an application, upload documents, prefill business data.
LenderCloud → You: instant decision (approve + offers / documents required / decline + reasons), status polling, and optional webhook events.

Authentication

Authenticate every request with your partner API key as a bearer token. Request a key from your seller dashboard after signing up.

Authorization: Bearer lc_live_xxxxxxxxxxxxxxxxxxxxxxxx

Keep your secret key server-side. Never expose it in client-side code. Keys can be rotated or revoked at any time.

Quickstart

Submit an application and receive a decision in one call:

curl -X POST https://lendercloud.com/api/v1/applications \
  -H "Authorization: Bearer lc_live_xxx" \
  -H "Content-Type: application/json" \
  -d '{
    "business": {
      "legal_name": "Acme Manufacturing LLC",
      "ein": "12-3456789",
      "entity_type": "LLC",
      "years_in_business": "5-10",
      "annual_revenue": "$2,400,000"
    },
    "owner": {
      "full_name": "Jane Owner",
      "email": "jane@acme.com",
      "ssn": "123-45-6789",
      "ownership_pct": "100"
    },
    "equipment": {
      "type": "CNC milling machine",
      "cost": 120000,
      "condition": "New",
      "requested_term": "60 months"
    },
    "consent": { "agreed": true, "signer_name": "Jane Owner" }
  }'

Endpoints

POST/applications

Submit an application and receive an instant underwriting decision.

Returns one of three outcomes:

// APPROVED — with selectable offers
{
  "id": 1042,
  "reference": "LC-2026-481920",
  "status": "approved",
  "decision": { "outcome": "approve", "score": 88, "tier": "A" },
  "offers": {
    "tier": "A",
    "options": [
      { "structure_code": "efa", "product": "loan",
        "term_months": 60, "apr": 8.05, "monthly_payment": 2437.11 },
      { "structure_code": "fmv", "product": "lease",
        "term_months": 60, "apr": 7.30, "monthly_payment": 2201.44,
        "residual_pct": 10 }
      /* ...more terms & structures */
    ]
  },
  "credit_scores": {
    "personal": { "score": 742, "model": "FICO 8" },
    "business": { "score": 78, "model": "Intelliscore Plus" }
  }
}

// DOCUMENTS REQUIRED
{
  "status": "documents_required",
  "decision": { "outcome": "refer", "score": 31 },
  "required_documents": [
    { "code": "bank_statements", "label": "Last 3 months business bank statements" },
    { "code": "tax_returns", "label": "Most recent business tax return" }
  ]
}

// DECLINED — with top adverse-action reasons
{
  "status": "declined",
  "decision": { "outcome": "decline", "score": 12 },
  "reasons": [
    { "code": "INSUFFICIENT_TIME_IN_BUSINESS",
      "message": "Business is newer than our minimum time-in-business requirement." },
    { "code": "PERSONAL_CREDIT",
      "message": "A higher personal credit score would improve your approval." }
  ]
}

GET/applications/{id}

Retrieve full application status, the latest decision, required/uploaded documents, and the status timeline.

curl https://lendercloud.com/api/v1/applications/1042 \
  -H "Authorization: Bearer lc_live_xxx"

GET/applications/{id}/documents

List documents required by underwriting and documents already uploaded.

{
  "required_documents": [
    { "id": 7, "doc_type": "bank_statements", "status": "open" }
  ],
  "uploaded_documents": []
}

POST/applications/{id}/documents

Upload a document (JSON base64 or multipart form-data). Fulfills an open request when request_id is supplied.

curl -X POST https://lendercloud.com/api/v1/applications/1042/documents \
  -H "Authorization: Bearer lc_live_xxx" \
  -H "Content-Type: application/json" \
  -d '{ "filename": "bank-jan.pdf", "doc_type": "bank_statements",
        "request_id": 7, "content_base64": "JVBERi0xLjQK..." }'

GET/applications/{id}/pdf

Download the completed, e-signed application PDF (signature, IP, timestamp) for your lender package. Returns application/pdf.

curl https://lendercloud.com/api/v1/applications/1042/pdf \
  -H "Authorization: Bearer lc_live_xxx" -o application.pdf

POST/enrich

Prefill business data from a website, name, or EIN (powered by Enigma + SEC EDGAR).

curl -X POST https://lendercloud.com/api/v1/enrich \
  -H "Authorization: Bearer lc_live_xxx" \
  -H "Content-Type: application/json" \
  -d '{ "website": "acme.com" }'

// -> { "source": "enigma+edgar",
//      "fields": { "legal_name": "Acme Inc", "ein": "12-3456789",
//                  "entity_type": "Corporation", "business_address": "..." } }

Webhooks (bi-directional)

Register a webhook URL on your partner account and LenderCloud will POST decision and status events to you in real time, so you don't have to poll:

POST https://your-site.com/webhooks/lendercloud
{
  "type": "application.decision",
  "application_id": 1042,
  "reference": "LC-2026-481920",
  "outcome": "approve",
  "status": "approved"
}

Each webhook includes an X-LenderCloud-Event header. Respond with 2xx to acknowledge.

Errors & status codes

200 / 201 — success
401 — missing or invalid API key
404 — application not found
422 — validation error (see missing array)
503 — temporary server configuration issue

Ready to integrate?

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