Lenme

What Lenme does

Lenme Inc. is a mobile-first peer-to-peer lending marketplace founded in 2018 and headquartered in Oakland, California (Delaware corporation). The platform connects individual borrowers seeking personal loans (up to $5,000) and instant cash advances (up to $200) with individual retail lenders who can invest in loan portfolios starting from $50 through a competitive bidding marketplace. Lenme primarily serves underbanked consumers who may not qualify for traditional bank credit, alongside individual investors seeking returns above conventional savings yields.

The platform operates through a unified iOS/Android mobile application supported by a proprietary AI-driven credit assessment infrastructure that includes the Lenme Score (0-100 risk score), Salus Score premium analytics ($200/month), Lenme Predict (AI repayment prediction), and LenAI (an autonomous lender agent). These models process structured financial inputs including credit bureau reports from TransUnion, Equifax, and Experian, 90-day bank cash flow data, income signals, and platform behavioral history. The product surface extends beyond core P2P lending to include Crypto-Backed Loans (up to $10,000 with digital asset collateral), Balance Guard (automated overdraft protection subscription), Automated Lending workflows for lenders, and a rewards-based gaming layer (Lenme Arcade). A B2B channel, Lenme Enterprise, offers white-label and API solutions to financial institutions.

Lenme monetizes through a hybrid model: borrower subscriptions ($1.99/month or $9.99/year), lender subscriptions for premium analytics (Salus Score, Lenme Predict tiers ranging $0.99-$399.99), Balance Guard subscriptions ($3.99/month), interest spread between borrower APR (starting from 3%) and lender returns, late payment fees ($12 split with investor), and an affiliate program paying $55 per referred user. The company is registered with FinCEN as a Money Services Business (MSB No. 31000328217821) and licensed through NMLS (No. 2761076), with cumulative $24M+ in loans funded across 3M+ borrowers as of mid-2025.

Name

Lenme

Legal name

Lenme Inc.

Website

https://lenme.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Lenme is a mobile-first peer-to-peer lending marketplace connecting individual borrowers seeking personal loans up to $5,000 with retail lenders investing from $50, using AI-powered credit scoring and a subscription-based model serving underbanked consumers and individual investors.

Ownership category

akta.pro rank

Product category

Peer-to-peer lending platform

NAICS

Credit Intermediation and Related Activities (522), Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163), Personal Credit Institutions (6141)

akta.pro primary industry

Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching) (FSAGAHAL)

akta.pro secondary industries

Crypto Borrowing & Margin Credit Facilities (FSADAFAC), Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC)

Keywords

• Peer-to-peer lending
• Mobile lending platform
• Personal loan marketplace
• Crypto-backed loans
• AI credit scoring

Headquarters

HQ city

Oakland

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Subscription Fees (Borrowers): Borrowers pay monthly ($1.99) or annual ($9.99) subscription fees to access the platform, receive loan offers, and use borrowing features. Balance Guard feature costs additional $3.99/month or $29.99/year.
2. Subscription Fees (Lenders): Lenders can subscribe to premium analytics tools including Salus Score ($200/month) and LenmePredict ($1.99-$399.99/month tiers) for enhanced borrower assessment capabilities.
3. Interest Spread: Lenme earns revenue from the spread between interest rates charged to borrowers and rates paid to lenders. Lenders set rates starting from 3% APR based on borrower risk profiles.
4. Affiliate Commissions: Lenme pays affiliates $55 per successful user referral. Top partners earn up to $5,000/month through the affiliate program.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

Lenme operates a mobile-first peer-to-peer lending marketplace that connects individual borrowers with individual lenders through iOS and Android applications. The platform provides AI-driven credit scoring, automated lending workflows, and subscription-based access to personal loans, with optional crypto-backed loan products and a white-label Enterprise offering for financial institutions.

Product overview

Lenme is a mobile-first P2P lending marketplace connecting borrowers and lenders, accessible through a single unified app. The core platform is the Lenme App, with two primary user-facing modules: Lenme Borrow (enabling instant personal loans up to $5,000 and cash advances with no credit check) and Lenme Lender (enabling individuals to invest in loans starting from $50 and earn returns). The platform is extended by a suite of add-on products including: Crypto-Backed Loans (crypto-collateralized borrowing up to $10,000); Balance Guard (automated overdraft protection subscription); the Automation Feature (automated lending workflows for investors); LenAI (intelligent AI agent for borrower analysis); Lenme Predict (AI prediction subscription); the Salus Score (AI-powered risk scoring); Lenme Arcade (rewards gaming); Lenme Surveys/Play & Earn (micro-earning); and Lenme Enterprise (white-label solution for financial institutions). All are integrated within the central Lenme app and supported by AI-driven credit and risk assessment models.

Differentiator

Problem solved

Functional benefit

Brands

• Lenme Borrow: Peer-to-peer borrowing platform enabling users to access instant personal loans up to $5,000 or $200 cash advances.
• Lenme Lender
• Lenme Enterprise
• Lenme Arcade
• Balance Guard
• LenAI
• Lenme Score
• Salus Score
• Lenme Predict

Quantifiable outcome

• Loans can be funded in as little as 30 minutes after request submission
• +5 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

AI capability5 records

Feature7 records

Partnerships

Three partnerships are on record, tiered flagship and core.

• TechStarsflagshipStrategic or Co-development Partner · 17 April 2026Lenme joined the Global Accelerator TechStars payment program. LenAI is Lenme's latest AI-powered feature designed to help lenders analyze borrower profiles in seconds. By delivering fast, data-driven insights, LenAI simplifies decision-making, enhances the lending experience, and helps lenders maximize their earning potential.
• FinCENcoreOthersLenme is registered with FinCEN as a Money Services Business (MSB No. 31000328217821), enabling legal operation as a financial services platform.
• NMLScoreOthersLenme is registered with NMLS (Nationwide Multistate Licensing System) under NMLS No. 2761076, required for mortgage loan originator and lending platform operations.

Scale indicators8 records

Recent moves6 records

Expansion highlights7 records

Market position

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/lenmeapp
• LinkedInlinkedin.com/company/lenmocorp
• Instagraminstagram.com/lenmeapp
• Xx.com/lenmeapp

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds5 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Lenme