MinuteLender
MinuteLender is a lending technology platform that enables banks and credit unions to originate, underwrite, and fund small business and consumer loans profitably, with digital applications, automated underwriting, and same-day funding. Acquired by Autobooks in March 2026.
- Company typePrivate
- Founded-
- Headquarters—
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What MinuteLender does
MinuteLender is a lending technology company that enables financial institutions — primarily banks and credit unions — to originate, underwrite, and fund small business and consumer loans efficiently. The platform is purpose-built for smaller-dollar, faster-turn loans that are typically uneconomical to process through standard enterprise loan origination systems optimized for large commercial credits. Core technology includes digital loan applications that auto-fill from existing bank account data, a configurable automated underwriting engine where each institution sets its own credit criteria, lender-assist options for in-branch support, same- or next-day funding with automated documentation and adverse-action notices, and a loan portfolio management layer with built-in renewals and modifications.
MinuteLender's business model is B2B enterprise subscription/licensing, sold via direct field sales to financial institutions nationwide. Financial institutions configure loan types, amounts, and decisioning rules to fit their specific programs; MinuteLender handles origination, underwriting, documentation, and funding. Loans are booked on the institution's own balance sheet, preserving the credit relationship while the technology reduces per-loan processing overhead. Pricing is not publicly disclosed and is negotiated per institution.
In March 2026, MinuteLender was acquired by Autobooks, a digital banking platform for small business payments, accounting, invoicing, and bill pay. MinuteLender continues to operate as a standalone lending solution, with a planned deeper integration into Autobooks' digital banking platform intended to position it as the lending layer of a unified small business banking stack. The company is privately held and operates with a team of 1–10 employees.
MinuteLender firmographics
Firmographics- Name
- MinuteLender
- Legal name
- MinuteLender
- Website
- https://minutelender.com
- Company type
- Private
- Operating status
- Acquired
- Headcount range
- 1–10 employees
- Short description
- MinuteLender is a lending technology platform that enables banks and credit unions to originate, underwrite, and fund small business and consumer loans profitably, with digital applications, automated underwriting, and same-day funding. Acquired by Autobooks in March 2026.
- Ownership category
- akta.pro rank
MinuteLender industry classification
Industry- Product category
- Loan Origination Software
- NAICS
- Computer Systems Design and Related Services (54151), Activities Related to Credit Intermediation (5223), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)
- SIC
- Services-Prepackaged Software (7372), Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Loan Servicing Platforms (Billing, Statements, Customer Self-Service) (FSAGAHAH)
- akta.pro secondary industries
- Small-Dollar Short-Term Installment Loans (Non-payday) (FSAKAMAI), Credit & Overdraft Enablement (Credit Lines, Underwriting Integrations) (FSAGAAAJ)
Keywords
MinuteLender business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Technology Licensing/Subscription to Financial Institutions: MinuteLender provides lending technology to financial institutions, enabling them to originate, underwrite, and fund loans on their own balance sheet. Financial institutions pay for the technology platform that automates their lending operations.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels4 records
MinuteLender product offering
Product offeringCore offering
MinuteLender provides a lending technology platform that enables financial institutions (banks and credit unions) to originate, underwrite, and fund small business and consumer loans on their own balance sheets. The platform offers digital loan applications with auto-fill, configurable automated underwriting, same- or next-day funding, and real-time loan portfolio management with built-in renewals and modifications. It is purpose-built to make smaller-dollar loans economically viable by reducing per-loan processing costs.
Product overview
MinuteLender is a lending technology platform acquired by Autobooks. It provides financial institutions with a complete loan origination and underwriting solution for small business and consumer lending. The platform is designed specifically for smaller-dollar, faster-turn lending that is often uneconomical to process through standard commercial workflows. MinuteLender operates as a standalone solution currently, with deeper integration into Autobooks' digital banking platform (alongside invoicing, payments, accounting, and bill pay) planned for future release. Financial institutions configure their own credit criteria, loan types, amounts, and decisioning rules, while MinuteLender automates the origination, underwriting, documentation, and funding processes.
Differentiator
Problem solved
Functional benefit
Products and services
- MinuteLender Lending Platform A lending technology platform enabling financial institutions (banks and credit unions) to originate, underwrite, and fund small business and consumer loans on their own balance sheets. Includes digital loan applications with auto-fill from existing bank account data, configurable automated underwriting, same- or next-day funding, automated documentation and adverse action notices, an optional Lender Assist in-office workflow, and real-time loan portfolio management with built-in renewals and modifications. Designed for financial institutions seeking to make smaller-dollar loans economically viable.
Quantifiable outcome
- Applications take minutes, not days
- +2 more outcomes
Companies that use MinuteLender
Customer profileNamed customers1 record
Segments1 record
Ideal customer profiles1 record
MinuteLender technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature6 records
MinuteLender partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- AutobookscoreAutobooks acquired MinuteLender in March 2026, adding small business and consumer lending capabilities to Autobooks' existing payments, invoicing, bill pay, and accounting platform. The acquisition creates a unified solution for financial institutions to offer credit alongside other small business banking services. MinuteLender is available as a standalone solution, with deeper integration into Autobooks' digital banking platform planned.
Scale indicators2 records
Recent moves4 records
Expansion highlights4 records
MinuteLender competitors and assessment
Company assessmentDirect peers
- nCino: nCino provides cloud-based loan origination software for banks and credit unions, with comparable buyer profile (community/regional FIs) and overlapping functional scope in commercial and small-business lending automation.
- BlueVine: BlueVine provides small-business banking, payments, and credit products to SMBs through digital channels — a peer in enabling fast, digital-first small business credit decisions.
- Kapitus: Kapitus provides small-business financing solutions and embedded lending technology serving banks and alternative channels; comparable in enabling fast SMB credit decisions and lender-branded programs.
- Biz2Credit: Biz2Credit operates a small-business financing marketplace and lending platform — directly comparable in serving the small business borrower market through partner financial institutions and digital workflow tooling.
- Credibly: Credibly specializes in small-business working capital and loan products with digital origination — directly overlapping with MinuteLender's small-dollar SMB lending use cases.
- MeridianLink: MeridianLink provides lending and account-opening software for credit unions and community banks, with comparable buyer segment and overlapping product functionality in loan origination and decisioning.
- Lendio: Lendio operates a small-business lending marketplace and technology platform that connects borrowers with lenders and provides origination workflow tools — directly comparable to MinuteLender's positioning as a small business lending enablement platform.
- Blend: Blend offers a digital lending platform serving banks and credit unions with consumer, mortgage, and SMB origination workflows — a direct peer in delivering configurable, FI-branded loan applications and underwriting.
Broad incumbents
- OnDeck: OnDeck is an established small-business online lender with technology-powered origination and underwriting; comparable in addressing small-dollar SMB credit with automated decisioning, though it also lends on its own balance sheet.
- Funding Circle: Funding Circle is a broader small-business lending platform and incumbent with both direct lending and platform models; comparable through its SMB credit origination capabilities and FI-distribution orientation.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
MinuteLender social profiles
Digital presenceMinuteLender financial estimates
Financial estimateRevenue estimate
Valuation estimate
MinuteLender leadership team
Management profileNumber of profiles
Profiles1 record
MinuteLender funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
MinuteLender M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about MinuteLender
What does MinuteLender do?
MinuteLender provides a lending technology platform that enables financial institutions (banks and credit unions) to originate, underwrite, and fund small business and consumer loans on their own balance sheets. The platform offers digital loan applications with auto-fill, configurable automated underwriting, same- or next-day funding, and real-time loan portfolio management with built-in renewals and modifications. It is purpose-built to make smaller-dollar loans economically viable by reducing per-loan processing costs.
Is MinuteLender a public or private company?
MinuteLender is a private company. It is classified as corporate owned and is currently acquired.
When was MinuteLender founded?
MinuteLender was founded in -1. It employs 1 to 10 people.
How does MinuteLender make money?
One revenue line is on record: technology Licensing/Subscription to Financial Institutions.
Who are MinuteLender's main competitors?
Direct peers on record are nCino, BlueVine, Kapitus, Biz2Credit, Credibly, MeridianLink, Lendio and Blend. Broad incumbents are OnDeck and Funding Circle.
Does MinuteLender have an API?
No public API is recorded for MinuteLender.
What industry is MinuteLender in?
MinuteLender's product category is Loan Origination Software. Its primary akta.pro industry code is FSAGAHAH, Loan Servicing Platforms (Billing, Statements, Customer Self-Service), with a secondary code of FSAKAMAI, Small-Dollar Short-Term Installment Loans (Non-payday). Its NAICS code is 54151 and its SIC code is 7372.