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Credit & Lending
Lines of Credit

Revolving credit designed for embedded finance

Launch revolving lines of credit for consumer or commercial borrowers without becoming the lender of record. Lead manages origination and funding so you can focus on building flexible lending products for your users.

Credit that grows with your customer

Users can borrow, repay, and borrow again without reapplying for a new loan, making it ideal for products that support ongoing spending, cash flow, or working capital.

The rail of your choice

Disburse draws over the payment rails you already use, with the same banking infrastructure that powers the rest of your product.

Consumer and commercial lending

Support individuals, sole proprietors, and businesses through the same platform, with lending structures designed for a wide range of revolving credit products.

Versatile collateral structures

Offer secured, partially secured, or unsecured lines of credit based on your underwriting model and risk strategy, originating against collateral or on creditworthiness alone.

Balance sheet flexibility

Lead originates and funds every loan, and you choose whether the receivables will remain on our balance sheet or move to yours.

01

Credit that grows with your customer

Users can borrow, repay, and borrow again without reapplying for a new loan, making it ideal for products that support ongoing spending, cash flow, or working capital.

02

The rail of your choice

Disburse draws over the payment rails you already use, with the same banking infrastructure that powers the rest of your product.

03

Consumer and commercial lending

Support individuals, sole proprietors, and businesses through the same platform, with lending structures designed for a wide range of revolving credit products.

04

Versatile collateral structures

Offer secured, partially secured, or unsecured lines of credit based on your underwriting model and risk strategy, originating against collateral or on creditworthiness alone.

05

Balance sheet flexibility

Lead originates and funds every loan, and you choose whether the receivables will remain on our balance sheet or move to yours.

Compliance built into every origination

From adverse action timestamps and credit bureau data to SCRA and MLA indicators, Lead captures the regulatory data your program depends on as part of the lending workflow. Your engineers and compliance teams work from the same source of truth, simplifying implementation and oversight as your program scales.

One platform for every lending product

Start with a revolving line of credit and expand over time into working capital, earned wage access, merchant financing, overdraft protection, or other embedded lending products. As your program evolves, Lead provides the underlying infrastructure to support everything through a single integration.

Explore API docs

Build directly on Lead’s developer-first banking infrastructure. Our APIs are designed for straightforward integration, with the flexibility to scale as your product evolves.

Create Application
Create Funding
Retrieve Funding
curl --request POST \
  --url https://api.sandbox.lead.bank/v0/applications \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: <idempotency-key>' \
  --data '
{
  "client_application_id": "APP-2024-001",
  "status": "approved",
  "entities": {
    "account_holder_type": "commercial",
    "account_holders": [
      "entity_123456789"
    ],
    "authorized_signers": [
      "entity_987654321"
    ]
  },
  "details": {
    "product_name": "Growth Business Credit Line",
    "credit": {
      "is_secured": true,
      "is_mla": false,
      "currency": "USD",
      "underwriting_grade": "99",
      "limit": 5000000,
      "max_limit": 10000000,
      "report": {
        "score": 780,
        "pulled_at": "2025-11-15T09:30:00Z",
        "source": "experian"
      }
    }
  },
  "decision": {
    "decided_at": "2025-11-17T14:00:00Z",
    "reason": "Approved based on strong cash flow and collateral."
  },
  "documents": [
    {
      "document_id": "doc_consent_001",
      "type": "credit_pull_consent",
      "consented_at": "2025-11-15T09:00:00Z"
    }
  ]
}
'

curl --request POST \
  --url https://api.sandbox.lead.bank/v0/fundings \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: <idempotency-key>' \
  --data '
{
  "subledger_balance_id": "subledger_balance_1HCpXwx2EK9oYluWbacgeCnFcLf",
  "currency_code": "USD",
  "principal": {
    "external_disbursement_amount": 100000,
    "withheld_amount": 1000,
    "merchant_origination_fee_amount": 100
  },
  "other_fees": {
    "borrower_origination_fee_amount": 200
  },
  "metadata": {
    "client_draw_id": "X67BU"
  }
}
'

curl --request GET \
  --url https://api.sandbox.lead.bank/v0/fundings/{id} \
  --header 'Authorization: Bearer <token>'
Read Documentation

Explore ways 
Lines of Credit
can be used.

Buy Now, Pay Later

Enable pay-over-time structures without a charter

Credit Builder

Give your users a path to better credit

Embedded Issuing

Build a card directly into your product

Neobanks

Earn top-of-wallet status with your users

Workforce & Market­place Payouts

Customize the way people get paid