Smarter Lending

Starts Here.

Simplify Lending. Amplify Returns.

About Lendiant

Lendiant delivers comprehensive, turnkey solutions to build and manage customized unsecured U.S. consumer loan portfolios.

Lending-as-a-Service

Our model encompasses all aspects of the lending process – including marketing, acquisition, underwriting, technology, servicing, legal and compliance.

Amplify Your Impact

We handle the execution, allowing you to focus on achieving stable, attractive, and uncorrelated returns without the operational complexities. Results at the speed of our experience.

Who We Serve

Whether you're an experienced investor or an aspiring entrepreneur, our team delivers customized solutions to achieve your company's unique goals.

Banks & Credit Unions

Amplify Your Presence

Lendiant empowers small banks and credit unions to compete—and win—in today’s digital lending landscape.

Many community institutions lack the internal resources and modern infrastructure to offer seamless, tech-forward lending experiences, causing them to lose customers to fintechs. Lendiant provides a turnkey, Lending-as-a-Service solution that enables you to quickly build, launch, and manage customized unsecured consumer loan portfolios. From digital acquisition and underwriting to servicing and compliance, we deliver end-to-end support so you can re-engage your customer base and grow with confidence—without the heavy lift.

Fintechs & Specialty Lenders

Define Your Identity

From brick-and-mortar lenders seeking digital transformation to fintech operators looking to add lending to their product stack, we offer flexible, a-la-carte services tailored to your needs.

Our offerings span product design, go-to-market strategy, digital transformation, and portfolio management... all powered by decades of experience and proven insights. We help you accelerate your launch and go to market quickly with world-class lending products at a fraction of the typical cost.

Retailers, Ecommerce, and Embedded Finance Companies

Engage and Influence

Embedding the credit product within the shopping experience provides convenience to the shoppers and improves conversion for the merchants.

Many Retailers and ecommerce companies have the customers and distribution, but not the infrastructure for a lending operation. Lendiant is experienced in risk management, customer care, technology, and product design so Retailers and ecommerce companies can focus on their core business.

Capital Providers

Focus on Operations

Asset-backed consumer lending portfolios offer stable, attractive, and uncorrelated returns for capital providers.

Our Lending-as-a-Service model manages the entire lending lifecycle—including marketing, acquisition, underwriting, technology, servicing, legal, and compliance—so capital providers can retain full control over product design and operations. This structure significantly reduces counterparty risk compared to traditional forward flow agreements.

Lending as a Service

Solutions tailored and aligned to your investment goal.

Simplify lending.

By providing end-to-end solutions - covering everything from application and underwriting to servicing and compliance - clients leverage our deep expertise to launch or scale lending programs in a smarter way.

Amplify returns.

Speed is critical in the consumer lending space. Clients get ahead of their competition by getting to market faster through our tested strategies and industry best practices without investing years in infrastructure development.

Our Tailored Solutions

Our solutions are flexible.
Our commitments are not.

Product Design and GTM Strategy

We help you design competitive, compliant loan products tailored to your target market—whether installment loans, lines of credit, or short-term advances. Our go-to-market strategies accelerate launch timelines and ensure alignment with borrower needs, regulatory requirements, and revenue goals.

Marketing and Customer Acquisition

From digital solutions to direct mail, we build acquisition strategies that drive qualified, cost-effective loan applications. We specialize in targeting non-prime and underbanked consumers, optimizing for approval rates, response rates, and long-term value.

Lead Propensity Algorithm

We've built a proprietary algorithm that when applied to your 3rd party lead buying strategy will increase efficiency, optimize effectiveness, and maximize ROI.

Learn More

UI and UX

We design intuitive, mobile-first application and customer servicing experiences that reduce drop-off and increase conversions. A seamless user journey means happier customers and better performance across the funnel.

Credit Risk Management

We design and implement credit policies, underwriting models, and decisioning strategies to balance approval rates with profitability. Our risk management approach helps lenders confidently lend to non-prime consumers while minimizing charge-offs.

Customer Care and Collections

We provide omnichannel servicing and collections solutions—from payment reminders to late-stage recovery—tailored for the unique needs of subprime borrowers. Our customer-centric approach increases repayment rates and protects your brand.

Payment Processing

We integrate with industry-leading processors to ensure secure, reliable, and flexible repayment options. Automated, recurring payment options help reduce delinquencies and improve customer satisfaction.

Lending Technology Platform

Our modular lending-as-a-service platform enables end-to-end automation—from application to underwriting to servicing. Scalable and API-driven, it powers faster launches, easier integrations, and superior borrower experiences.

Data Management and Insights

We centralize, clean, and analyze your lending data to uncover actionable insights. From cohort analysis to repayment trends, our dashboards help you continuously optimize performance and ROI.

Digital Transformation

We help traditional lenders modernize their operations through digitization of manual workflows, automation of decisioning, and scalable cloud infrastructure—reducing costs and increasing agility.

Compliance

We build compliance into every layer of the lending process—ensuring your program adheres to federal and state regulations, fair lending laws, and data privacy standards. We help you lend confidently and avoid costly missteps.

Strategic Advisory

With over 100 years of collective experience across diverse lending models and billions of dollars in originations, we deliver strategic advisory services grounded in proven execution. Our insights help clients maximize returns on deployed capital through data-driven capital deployment strategies, continuous credit risk assessment and mitigation, and rigorous performance optimization.

Portfolio Administration & Treasury Services

We provide end-to-end portfolio administration and treasury solutions to ensure the effective stewardship of invested capital. Our comprehensive framework manages cash flow, liquidity, and financial risk with precision, while our state-of-the-art financial reporting package offers stakeholders a transparent view into portfolio performance and health. Our disciplined practices ensure full adherence to financial regulations and industry standards, reinforcing integrity and long-term sustainability.

Maximize ROI with precision data-driven acquisition insights

Today’s ultra-competitive lending environment mandates identifying and capturing the highest-quality online leads at the lowest possible cost.

Lead Propensity Algorithm (LPA)

Lendiant’s cutting-edge Lead Propensity Algorithm (LPA) gives financial institutions, lenders, and marketplace participants a powerful, data-driven edge by predicting the likelihood of a ping tree lead of:

  • Being purchased once presented
  • Converting once purchased
  • Returning for future product use
Contact us to learn more
Contact us to learn more

LPA’s intelligent lead filtering and forecasting drives measurable cost reductions. Clients report:

15-25%
drop in acquisition cost per funded loan.

Up to 40%
improvement in lead-to-loan conversion when part of a decisioning stack

Faster lead decision cycles
freeing up operational bandwidth.

Leadership
Our Team

Our talented professionals bring a wealth of experience, creativity, and strategic insight to every single project.

We’re passionate about helping lenders focus on connecting with their audience in meaningful ways. Meet the people behind the success and see how our diverse expertise drives results.

Vincent Zhang
Experience
Krithika Surname
Solution Design & Delivery
Mehran Chirehdast
Solution Design & Delivery
Jack Cohen
Legal
Leadership
Our Team

We’re passionate about helping lenders focus on connecting with their audience in meaningful ways. Meet the people behind the success and see how our diverse expertise drives results.

Our talented professionals bring a wealth of experience, creativity, and strategic insight to every single project.

Vincent Zhang
Experience
Krithika Surname
Solution Design & Delivery
Mehran Chirehdast
Solution Design & Delivery
Jack Cohen
Legal
Leadership

Our talented professionals bring a wealth of experience, creativity, and strategic insight to every client engagement.

Jack
Cohen

Boasting over 40 years of experience, Jack has primarily practiced law for public and private FinTech companies in the areas of secured and unsecured prime and non-prime installment loan lending, debit and credit cards, and BNPL, as well as traditional consumer and commercial lenders in the real estate and auto finance industries. HSBC Auto Finance, Automotive Finance Corp., Lending Club, Westlake Financial Services, Applied Data Finance, and Sezzle are a few of the firms where he has held executive legal and compliance positions. Jack holds a BA from Clark University in Worcester, Massachusetts, and a JD from the University of San Diego School of Law.

Vincent Zhang

With nearly 10 years of tenure in the consumer finance industry, Vincent has extensive expertise in both product development and business strategy. He has worked in new product development, collections strategy, service strategy, and origination strategy in a number of capacities. Vincent graduated from Purdue University with a B.S. in Industry Engineering and aB.S. in Mathematics and Statistics.

Mehran Chirehdast

Mehran is a results-oriented professional with a wide breadth of experience in risk and analytics. His background includes developing statistical models, managing consumer credit risk, and advising customers in the financial sector on a variety of loan and deposit products. He has played a significant role in the quick and lucrative expansion of lending portfolios, as well as the management of credit risk for multibillion-dollar portfolios of unsecured consumer, credit card, and auto loans. Mehran’s approach focuses on finding a balance between business requirements and the application of cutting-edge data science tools and processes. He is an inventor on seven USPTO-granted patents, has a FRM and CFA designation, and earned an engineering Ph.D. from the University of Michigan and an MBA from Michigan State University.

Krithika Govindan

Krithika is a seasoned product leader with over 15 years of experience in financial services and technology innovation. She has held diverse roles across digital payments, personal lending, and product strategy at Discover Financial Services and other leading organizations. Krithika holds a Bachelor’s degree in Electrical and Electronics Engineering from Anna University, India.

Our Team

We’re passionate about helping lenders focus on connecting with their audience in meaningful ways. Meet the people behind the success and see how our diverse expertise drives results.

Select a team member to learn more.

Solutions For All Lending Models

We offer end-to-end solutions, built for all consumer lending models and backed by proven, in-market experience.

Buy Now Pay Later

Installment Loans

Line of Credit

Nonprime Credit Cards

Nonprime & Prime Loans

State, Bank, & Specialty Lender Models

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