What LendSaas does

LendSaaS is a cloud-based SaaS platform purpose-built for Merchant Cash Advance (MCA) and alternative commercial lending operations. Founded circa 2009 and headquartered in New York, the company targets MCA funders, Independent Sales Organizations (ISOs), brokers, and hybrid MCA companies in the United States, providing end-to-end workflow automation from lead capture and underwriting through funding, collections, syndication, servicing, and regulatory reporting. The company reports $6B in cumulative funded volume processed on the platform as of September 2024 and $16M+ in average daily ACH volume. Customer logos visible on the site include Reliance Financial, BHB Funding, ProFinance, Byzfunder, UFS, Smart Step, DMF, Eryn Black, Boris Kalendarev, and Francisco Mercado-Ebanks.

The platform is architected API-first with 40+ pre-built integrations spanning direct banking APIs (Bank of America, Chase, M&T, TD, Customers, Valley National, Bank United, Flushing, FlagShip, Metrobank, First Republic, Plaid), ACH processors (Carmel Solutions, Payliance, ACHWorks, Kapcharge, Actum Processing, SPS, Clear ACH, USIO, EFT Network), credit and data bureaus (Experian, PayNet, Informativ, Thomson Reuters CLEAR, DataMerch, DecisionLogic), document automation and verification (Ocrolus, MoneyThumb, Heron Data, TruePic, SignNow), compliance intelligence (Wolters Kluwer, Cobalt Intelligence, AdvanceIQ), and communications/operations tools (Twilio, Mailgun, Pipedrive, Amazon S3, SmartyApp). Core modules include an MCA origination and servicing platform, whitelabel partner portals, automated collections and syndication, bank statement parsing, underwriting workflows, e-signature document management, application scanning, and a Submissions API. Compliance-specific modules cover auto-generated state disclosures, UCC-1 filing workflows, a California DFPI annual-report wizard, and an APR calculator.

LendSaaS monetizes via custom enterprise subscription pricing on an annual billing cadence, distributed exclusively through direct enterprise field sales and inside sales with consultation-based closing — no public pricing tiers are disclosed. The go-to-market is consultative, targeting mid-market to enterprise MCA funders, supported by a content-driven marketing strategy centered on an active blog covering MCA compliance, broker guides, and product tutorials. Distribution is wholly domestic (United States), and the company does not appear to use channel partners, resellers, or marketplaces. A December 2025 integration partnership with Receivabull — launching as early as January 2026 — is set to embed a real-time liquidity/receivables rail into the platform, extending monetization beyond pure SaaS subscriptions.

Name

LendSaas

Legal name

LendSaaS

Website

https://lendsaas.com

Company type

Private

Founded year

2009

Operating status

Operating

Short description

LendSaaS provides a cloud-based SaaS platform for Merchant Cash Advance and alternative lending operations, serving MCA funders, ISOs, and brokers in the United States with end-to-end origination, underwriting, servicing, collections, syndication, and multi-state compliance automation.

Ownership category

akta.pro rank

Product category

Alternative Lending Software

NAICS

Credit Intermediation and Related Activities (522)

SIC

Finance Services (6199)

akta.pro primary industry

Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)

akta.pro secondary industries

Loan Servicing Platforms (Billing, Statements, Customer Self-Service) (FSAGAHAH), Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC), Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK)

Keywords

• Merchant cash advance software
• Alternative lending platform
• MCA origination software
• Lending automation software
• Commercial finance platform

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. SaaS Platform Subscription: LendSaaS operates as a Software-as-a-Service platform providing MCA origination and servicing capabilities to lenders, ISOs, and brokers. The platform likely follows a subscription-based model with pricing based on usage volume, transaction volume, or tiered feature access.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

LendSaas is a cloud-based SaaS platform that provides end-to-end origination, underwriting, funding, servicing, and collections automation for Merchant Cash Advance (MCA) and commercial finance businesses. The platform supports whitelabel portals for ISO and syndication partners, automated daily ACH collections, multi-state compliance workflows, and integrates with 40+ banking APIs, ACH processors, credit bureaus, and document/communication services. It is built API-first to allow lenders, ISOs, brokers, and hybrid MCA companies to run their full lending lifecycle on a single system.

Product overview

LendSaaS is a unified platform-plus-modules architecture for Merchant Cash Advance (MCA) operations. The core MCA Management Platform handles the full lending lifecycle from application intake through underwriting, funding, and servicing. The platform integrates with the Submissions API for external system connectivity. Additional modules include Deal Tracking, Lead Management, Submission Tracking, White Label Servicing, ISO Portal, Automated Collections, Bank Statement Parsing, Documents & Contracts, Application Scanner, Offer Links, Automated Syndication, Underwriting Processes, Detailed Reporting, Refinance Support, Whitelabel Accounts, Partner Portal, Personal & Business Credit verification, and Servicing. Compliance-specific modules include Disclosure Forms Generator, APR Calculator, California APPR Report, and UCC Filing workflows. The platform also offers extensive API integrations with banking partners, ACH processors, credit bureaus, document services, and communication tools.

Differentiator

Problem solved

Functional benefit

Products and services

• MCA Management Platform End-to-end Merchant Cash Advance (MCA) origination and servicing platform that handles the full lending lifecycle from application intake through underwriting, funding, ongoing repayment tracking, daily ACH collections, syndication, compliance reporting, and portfolio analytics. Targeted at MCA funders, ISOs, brokers, and hybrid MCA companies in the United States.
• Submissions API Public-facing API that allows lenders, sales teams, and ISO systems to send deals directly into LendSaas for automated submission processing, eliminating manual re-entry of deal data from external CRM or sales tools.

Quantifiable outcome

• $6B total funded on platform as of Sep 2024
• +2 more outcomes

Named customers9 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration42 records

Feature21 records

Partnerships

43 partnerships are on record, tiered core.

• ReceivabullcoreTechnology or Integration · 9 December 2025Integration partnership to embed Receivabull's liquidity rail into LendSaaS's MCA management platform. Enables funders to access on-demand liquidity within their primary system. The integrated product will launch as early as January 2026, allowing users to streamline syndication and sale of receivables with real-time pricing. Receivabull provides real-time receivables visibility and cash-flow tracking for lenders, syncing merchant revenue data and monitoring expected payments.
• Bank of AmericacoreTechnology or IntegrationDirect Banking API integration providing secure, real-time account and transaction data for automated underwriting, payment tracking, and verification. Robust documentation ensures smooth integration while advanced security upholds compliance.
• M&T BankcoreTechnology or IntegrationDirect Banking API connecting LendSaaS with real-time account and transaction data for swift underwriting and payments. Comprehensive encryption ensures compliance while reducing fraud risks.
• Chase BankcoreTechnology or IntegrationDirect Banking API supplying secure, up-to-date account and transaction information. Automates payments, verifies balances, and streamlines underwriting with powerful encryption meeting compliance demands.
• First Republic BankcoreTechnology or IntegrationDirect Banking API providing immediate account visibility, transaction tracking, and payment capabilities within LendSaaS. Automatic data retrieval minimizes manual interventions.
• Flushing BankcoreTechnology or IntegrationDirect Banking API connecting LendSaaS to real-time account and transaction data, improving underwriting accuracy and automating payment workflows.
• FlagShip BankcoreTechnology or IntegrationDirect Banking API empowering LendSaaS with immediate account intelligence and payment functionalities. Automates balance checks, transaction audits, and loan disbursements.
• TD BankcoreTechnology or IntegrationDirect Banking API offering real-time account validation, transaction oversight, and payment automation within LendSaaS.
• MetrobankcoreTechnology or IntegrationDirect Banking API equipping LendSaaS with up-to-date account data and transaction details, facilitating automated underwriting and timely payments.
• Customers BankcoreTechnology or IntegrationDirect Banking API granting instant access to account, transaction, and payment data. Advanced encryption upholds privacy and eases compliance.
• Valley National BankcoreTechnology or IntegrationDirect Banking API granting real-time access to accounts, transactions, and payments, automating core lending operations.
• Bank UnitedcoreTechnology or IntegrationDirect Banking API linking LendSaaS to real-time account balances, transactions, and payment flows with robust encryption.
• Carmel SolutionscoreTechnology or IntegrationACH Bank Processing API securely automating debits and payments through LendSaaS, eliminating manual tasks with robust encryption and real-time updates.
• PayliancecoreTechnology or IntegrationACH Bank Processing API offering turnkey solution to automate payments in LendSaaS with reduced manual tasks and timely transaction confirmations.
• ACH Processing CompanycoreTechnology or IntegrationACH API providing robust ACH capabilities for seamless debits, credits, and recurring payments with strong security and compliance.
• KapchargecoreTechnology or IntegrationACH Bank Processing API securely automating disbursements and collections within LendSaaS with flexible architecture and industry-standard encryption.
• ACHWorkscoreTechnology or IntegrationACH Bank Processing API leveraging LendSaaS to automate recurring debits and disbursements with real-time verification and transaction monitoring.
• EFT NetworkcoreTechnology or IntegrationACH Bank Processing API streamlining direct debits and credits for LendSaaS, fostering seamless loan disbursements and repayments.
• SPScoreTechnology or IntegrationACH Bank Processing API connecting directly with LendSaaS to automate debit and credit transactions with advanced encryption and real-time payment confirmations.
• Clear ACHcoreTechnology or IntegrationACH API providing secure, real-time electronic payment solutions for automated debits, recurring payments, and error reduction.
• Actum ProcessingcoreTechnology or IntegrationACH Bank API offering automated electronic payments, recurring billing, and refunds with secure encryption. Supports Same-Day ACH, weekend/holiday processing, and Real-Time Payments (RTP). LendSaaS is the first MCA platform to leverage Actum's RTP capability.
• USIOcoreTechnology or IntegrationACH Bank Processing API simplifying direct debit and credit transactions for LendSaaS lenders with advanced encryption and real-time payment tracking.
• SmartyAppcoreTechnology or IntegrationAddress verification integration automatically standardizing borrower location data and reducing errors in LendSaaS documentation.
• PlaidcoreTechnology or IntegrationSecurely links borrowers' bank accounts providing real-time transaction and balance data to speed underwriting and reduce manual document reviews.
• OcroluscoreTechnology or IntegrationDocument automation using OCR and AI to extract data from bank statements for faster underwriting. Eliminates manual entry and increases accuracy.
• DataMerchcoreTechnology or IntegrationBusiness data repository highlighting risky commercial borrowers, flagging potential red flags and helping lenders avoid defaults through real-time insight.
• MoneyThumbcoreTechnology or IntegrationConverts PDF statements into structured data, automating financial analysis and reducing manual entry for faster underwriting with fewer errors.
• DecisionLogiccoreTechnology or IntegrationDirect bank account verification and transaction data in real time, accelerating underwriting by automating financial checks and detecting fraud signals.
• Heron DatacoreTechnology or IntegrationEmail attachment classification, ISO application parsing, bank statement parsing with 100% coverage, cashflow metrics, and automated field population.
• ExperiancoreTechnology or IntegrationGlobal credit bureau providing consumer and business credit data for thorough lending decisions. Streamlines credit checks and automates risk assessment.
• PayNetcoreTechnology or IntegrationCommercial credit data for small to mid-sized businesses, streamlining credit checks and gauging borrower risk and payment history.
• InformativcoreTechnology or IntegrationCredit reporting and compliance tools accessing multiple bureau data in real time for boosted accuracy and red flag detection.
• AdvanceIQcoreTechnology or IntegrationAI-driven analytics delivering advanced risk scoring and predictive borrower insights by analyzing merchant performance data in real time.
• TruePiccoreTechnology or IntegrationSecure, tamper-proof visual verification using advanced image forensics for document validation during underwriting and merchant onboarding.
• Thomson Reuters CLEARcoreTechnology or IntegrationAuthoritative legal, financial, and regulatory intelligence delivering up-to-date compliance data and business news for due diligence.
• Wolters KluwercoreTechnology or IntegrationRegulatory, legal, and compliance solutions keeping loan documents updated and ensuring adherence to changing rules with automated compliance checks.
• Cobalt IntelligencecoreTechnology or IntegrationReal-time compliance monitoring and market intelligence, scanning regulatory changes and delivering alerts and comprehensive reports.
• River Edge AdvisorscoreImplementation/ SI/ Consulting PartnerFinancial operations support helping MCA companies with bookkeeping, reconciliations, portfolio-level reporting, and cash-flow oversight aligned with LendSaaS workflows.
• TwiliocoreTechnology or IntegrationCommunications platform offering SMS, voice, and messaging APIs for instant borrower notifications, reminders, and secure verifications within LendSaaS.
• PipedrivecoreTechnology or IntegrationCRM integration centralizing borrower interactions, tracking prospects from inquiry to closing with automated follow-ups and status updates.
• MailguncoreTechnology or IntegrationEmail automation service for borrower communications including payment reminders, loan status updates, and promotional messages with deliverability tracking.
• Amazon S3coreTechnology or IntegrationSecure, scalable cloud storage for borrower documents and loan files with version control, encryption, and automated backups.
• SignNowcoreTechnology or IntegrationElectronic signature platform digitizing paperwork and automating contract signing within LendSaaS, cutting turnarounds and eliminating physical handling.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Enova International: Enova (parent of OnDeck) operates online SMB and consumer lending platforms with proprietary underwriting and servicing technology. Comparable to LendSaaS as a tech-enabled SMB lender, though at much larger scale and serving broader credit segments than MCA.
• Temenos: Temenos provides core banking and loan origination software to banks worldwide. Comparable to LendSaaS as a technology platform powering lending workflows, though at global enterprise scale and focused on traditional depository institutions.
• nCino: nCino offers a cloud banking platform with loan origination, deposit accounts, and compliance for commercial and SMB lenders. Overlaps with LendSaaS on the lending-workflow and compliance side, but operates at much larger scale and serves traditional depository institutions rather than MCA specialists.
• FIS Loan Origination: FIS provides enterprise loan origination, servicing, and compliance technology to banks and specialty lenders. Comparable to LendSaaS in the loan-software category, though operating at significantly larger scale with broader lending verticals.
• LendingClub: LendingClub is a large online lending marketplace with proprietary loan origination, underwriting, and servicing infrastructure. Comparable to LendSaaS as a LendTech platform, though focused on consumer/SMB installment loans rather than the MCA niche.

Direct peers

• CAN Capital: CAN Capital is a long-standing MCA and small-business working capital provider with proprietary online application and servicing technology. Directly comparable to LendSaaS in the MCA vertical, though CAN Capital is itself a funder/ISO rather than a software-only platform.
• Baker Hill: Baker Hill provides commercial loan origination, credit risk, and portfolio management software to community and regional banks. Directly comparable to LendSaaS as a vertical SaaS for SMB/commercial lending workflows, including underwriting and compliance.
• Fundation: Fundation provides technology and capital solutions for SMB lending, including a SaaS platform and direct lending products. Comparable to LendSaaS in serving the alternative SMB working-capital space with technology-driven origination and servicing.
• Abrigo: Abrigo provides SaaS loan origination, servicing, and compliance software to community banks and credit unions. Comparable to LendSaaS as a specialized lending-software platform serving SMB/community lenders with end-to-end workflow automation and compliance tooling.
• Biz2Credit: Biz2Credit operates a small-business lending marketplace connecting SMB borrowers with funders, supported by proprietary underwriting technology. Comparable to LendSaaS as a technology-driven SMB funding platform serving the same alternative-finance customer base.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks3 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/3058219

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 LendSaas