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Credit & Lending
Term Loans

Originate and fund with flexible models

Offer origination, near real-time funding, and disbursements of non-revolving loans, all via the payment rails you already use. Tailor the program to your product’s unique needs, whether consumer or commercial, secured or unsecured.

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.

Funding speed

Execute draws in near real-time via API rather than once-a-day NACHA-style file batches. Funds land within moments, ready to send onward to the borrower.

Payment 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 installment and term lending products.

Versatile collateral structures

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

Flexible loan structures

Support buy-now-pay-later, interest- or fee-based, and single- or multi-draw structures, all on the same non-revolving balance.

01

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.

02

Funding speed

Execute draws in near real-time via API rather than once-a-day NACHA-style file batches. Funds land within moments, ready to send onward to the borrower.

03

Payment 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.

04

Consumer and commercial lending

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

05

Versatile collateral structures

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

06

Flexible loan structures

Support buy-now-pay-later, interest- or fee-based, and single- or multi-draw structures, all on the same non-revolving balance.

Chartered origination and near-real-time disbursement

Extend credit to your users without becoming the lender of record. Lead originates each loan under our bank charter while you own the user experience. We fund the loan into an FBO in near real time and your program moves it over ACH, wire, or FedNow to the borrower, merchant, or vendor.

One platform for every lending product

Start with term loans and expand over time into buy-now-pay-later, business invoice financing, payroll advances, or other 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 
Term Loans
can be used.

Buy Now, Pay Later

Enable pay-over-time structures without a charter

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