LendAPI Podcast

In this episode of the LendAPI Partner Podcast, host Rutger van Faassen sits down with Mike Coy, the founder and CEO of Channel Payments. This conversation dives deep into the inception of Channel Payments, revealing how Mike identified core challenges in the payment processing industry and built his company with the mission to tackle them head-on.

Key Topics Discussed:

• Listening to customers: Mike emphasizes that truly understanding customer pain points is the cornerstone for developing effective solutions in fintech.

• Democratizing payment processing: Channel Payments advocates for open, flexible access to payment solutions, significantly boosting customer retention and satisfaction.

• Orchestration and adaptability: Mike explains how orchestrating payment options gives businesses more flexibility, adapting to unique and changing needs with ease.

• Customer experience: The importance of a seamless and reliable payment process cannot be overstated. Mike shares how a superior payment journey directly correlates with increased transactions.

• Innovation in technology: Channel Payments leverages cutting-edge tech to drive up payment success rates and make processes smoother for everyone involved.

• Building trust: By avoiding long-term contracts and focusing on customer needs, Channel Payments nurtures stronger partnerships based on trust and transparency.

• Continuous improvement: Mike’s team is committed to iterative enhancements, ensuring their solutions keep pace with industry evolution and customer expectations.

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Mike’s journey demonstrates that putting the customer at the center, embracing innovation, and staying adaptable are the keys to thriving in the payment processing sector. The Channel Payments story is a testament to how modern fintech companies can drive real value by addressing both the strategic and emotional needs of their clientele.

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In this episode of the LendAPI Partner Podcast, host Rutger Van Faassen sits down with Rick Haskell, founder and CEO of Lendisoft. Drawing from two decades of risk management experience, Rick shares how the spark for Lendisoft emerged from recognizing a major gap in the market: small and mid-size lenders needed powerful, flexible tools to compete with larger enterprises.

Rick explains how Lendisoft leverages AI and automation to revolutionize loan management, enabling lenders to bridge the gap between predictive modeling and day-to-day operational processes. The discussion highlights the transformation from legacy, spreadsheet-driven workflows to streamlined, no-code/low-code solutions that allow business leaders to configure processes without heavy reliance on IT.

• Market-Driven Origin: Lendisoft was founded to address a clear gap in loan management solutions, inspired by Rick’s 24-year career in risk management for subprime auto lending.

• AI & Automation Focus: The core of Lendisoft is about operational efficiency, using AI to assign risk, automate repetitive processes, and bridge the gap between modeling and action.

• Process-First Design: The platform facilitates a drag-and-drop, no-code/low-code approach for lenders—particularly empowering those with limited IT staff to configure their workflows directly.

• Competitiveness for Small Lenders: By making leading-edge tech accessible and configurable, even small lenders can compete with large enterprises.

• Customer Transformation: Lendisoft’s real impact shines in stories like a client moving from manual spreadsheets to complete automation—"what do I do with myself now that Lendisoft does it all?" a customer humorously remarks.

• Proper Configuration is Key: Success isn’t just software; it’s configuration. Lendisoft ensures clients get hands-on setup and guidance for long-term results.

"Lendisoft is so automated, it’s doing everything for us. Gone are the days of spreadsheets and all that manual work."
— Rick Haskell

Rick closes by emphasizing his passion for the industry and the mission to level the playing field for all lenders, regardless of size. The episode wraps on a note of gratitude and anticipation for helping more lenders benefit from Lendisoft’s innovations.

📢 Explore more at the LendAPI Marketplace

Key TakeawaysStandout Quote

In this illuminating episode of the LendAPI Partner Podcast, host Rutger van Faassen welcomes Stephen Thompson, co-founder and CEO of ScoreMyCash. The conversation delves into how ScoreMyCash is reshaping the lending landscape by using real cashflow data to provide lenders with a clearer, more accurate snapshot of consumer financial health. Stephen explains the journey behind ScoreMyCash’s founding, the evolution of data analytics in lending, and how their innovative tools help both lenders make smarter credit decisions and consumers gain increased access to credit.

What You'll Learn

• The Power of Cashflow Data: Insights into why cashflow—not just credit scores—offers a fuller picture of a consumer’s ability to repay, and how ScoreMyCash’s platform captures and analyzes this data.

• Advancing Financial Inclusion: How using bank transaction data helps lenders serve more creditworthy consumers, especially those who may be overlooked by traditional scoring.

• Analytics-Driven Lending: Stephen discusses how advanced analytics empower lenders to assess risk more accurately and create win-win scenarios for both borrowers and institutions.

• Validating the Approach: Hear real success stories where clients leveraged cashflow analytics to make better lending decisions, leading to improved outcomes for both consumers and lenders.

• Industry Evolution: Discover the ongoing transformation of the lending sector thanks to new data sources and smarter technology solutions like ScoreMyCash.

ScoreMyCash is at the forefront of a data revolution in lending, proving that understanding the real story behind the numbers empowers lenders to make fairer, smarter lending decisions. By focusing on actual cashflow and bank transactions, they open doors for more consumers to access the credit they deserve while protecting lenders from unnecessary risk. Listen to the full podcast for more in-depth industry insights and actionable strategies from thought leader Stephen Thompson!

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In this engaging episode of the LendAPI Partner Podcast, host Rutger Van Faassen sits down with Jake Pimentel, the visionary CEO & Co-Founder of Tennis Finance. They explore the journey of Tennis Finance, a company born from the need for better AI-driven solutions in the debt collections space. Jake discusses the company's strategic pivot from compliance tech to creating cutting-edge workflow automation for commercial collections, revealing the transformative power of customer feedback and innovation in the fintech world. The conversation also highlights the human side of collections, the importance of maintaining strong business relationships, and the memorable origin behind the company’s name.

What You'll Learn

• Startup Pivots: Discover how Tennis Finance found its niche by listening to customer pain points and pivoting from compliance-focused tools to commercial collections and legal workflow automation.

• AI in Collections: Learn about the AI-powered solutions utilized to streamline communication, automate workflows, and manage collections efficiently — benefiting both lenders and their clients.

• Commercial Focus: Understand why Tennis Finance zeroes in on commercial rather than consumer debt and how their universal inbox brings transparency to the collections process.

• Customer-Centric Innovation: Hear stories of how close collaboration with early clients led to practical product features and successful outcomes.

• Legal Case Management: Gain insights into how Tennis Finance supports clients through the entire collections lifecycle, from servicing to litigation, making even the toughest processes more manageable.

• Startup Wisdom: Take away the importance of agility and customer dialogue in building fintech solutions that truly resonate with the market.

• The 'Tennis' Philosophy: Find out the creative reasoning behind the company’s name and how the goal is to reduce the “back and forth” that so often complicates collections.

Tennis Finance’s story is a testament to the power of listening, adapting, and relentlessly simplifying complex financial processes. Their commitment to both technological innovation and empathetic client service is reshaping what it means to handle commercial debt. As the fintech space evolves, staying open to feedback and ready to pivot can turn obstacles into the most rewarding opportunities. Tune into the full podcast for more behind-the-scenes stories and strategies from industry leaders like Jake Pimentel!

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In this episode of the Lend API Partner Podcast, Rutger van Faassen interviews Alex Gonikman, CEO and co-founder of True North. They discuss the origins of True North, its evolution into a FinTech integration expert, and share success stories of how True North has helped clients embed financial services into their existing applications. The conversation highlights the importance of understanding financial services and the role of AI in accelerating market entry for clients.

What You’ll Learn:

• How True North was founded by Lending Club alumni and evolved into a fintech integration leader.

• Why non-financial companies are now embedding financial services—and how True North accelerates these transformations.

• Real-world success: moving clients from 12+ months to under 2 months for MVP launches.

• How AI tools are leveraged to speed up integration and reduce costs.

• Why understanding business challenges and picking the right partners is crucial for embedded finance.

• How True North combines backend expertise with seamless front-end experiences.

This week on the LendAPI Partner Podcast, host Rutger van Faassen welcomes Anna Burke, Head of Growth at Equabli, to discuss how the company is bringing much-needed innovation to the collections and recovery space. Equabli was founded by former industry operators who experienced firsthand the inefficiencies and fragmentation in delinquency management—and set out to solve it.

What You’ll Learn:

• How Equabli emerged from a need to modernize collections infrastructure

• Why optimization and cost savings are at the core of Equabli’s mission

• How their tools align the “next best action” for each individual account

• The benefits of data-driven strategies for risk prediction and borrower engagement

• A compelling customer success story from a leading subprime lender

About the Platform:
Equabli provides lenders with a powerful, integrated suite of tools to improve collections outcomes. Whether predicting borrower behavior, optimizing strategy deployment, or building borrower engagement at scale, Equabli enables cost-effective, compliant, and compassionate debt recovery.

Hosted by Rutger van Faassen, this episode shines a light on an often-overlooked part of the credit cycle—and the innovation that’s shaping its future.

👉 Listen Now and discover how collections can be optimized for a better lending ecosystem.
📢 Explore more at the LendAPI Marketplace

In this episode, Rutger van Faassen sits down with Mo Milo, CEO and Co-Founder of a real estate investment platform designed to make passive real estate investing accessible, diversified, and rewarding. From his early inspiration watching his parents manage rental properties to launching his fourth startup, Mo shares how his team is using technology to modernize real estate investing for accredited—and eventually non-accredited—investors.

What’s Inside This Episode?

• The origin story behind Mo’s mission-driven platform for passive real estate investing

• Why traditional real estate opportunities have been closed off to average investors—and how that’s changing

• How the platform allows accredited investors to browse and invest in retail, debt, self-storage, and more

• The vision for creating a "stock market" experience for real estate—fractional, accessible, and diversified

• A powerful customer success story where an LA-based CEO found a higher-yield, more flexible alternative investment through the platform

🌟 Explore Mor's platform and other innovative partners on the LendAPI Marketplace.

👉 Tune in now to hear how tech is making real estate investing smarter, simpler, and more inclusive.
🎧 Available on YouTube, Spotify, and Apple Podcasts.

#LendAPI #Podcast #RealEstateInvesting #PassiveIncome #FinTech #AccreditedInvestors #AlternativeInvestments #FractionalRealEstate #PropTech #StartupJourney

In this episode, Rutger van Faassen chats with Tom Donlea, Vice President at Vouched, to explore how their cutting-edge technology is revolutionizing identity verification across fintech and telehealth. From mobile driver's licenses to fraud prevention, Vouched is shaping the future of digital identity and onboarding.

What’s Inside This Episode?

• The origin story of Vouched and their mission to simplify identity verification.

• How Vouched became a first-mover in mobile driver’s license verification.

• The role of fraud prevention in modern digital onboarding.

• Partnerships with platforms like Alloy to enhance verification accuracy.

• Why ease of use + security is critical in financial services today.

• A look at what’s next for digital wallets and automated ID verification.

🌟 Vouched is a proud partner of LendAPI! Explore their powerful identity verification solutions on the LendAPI Marketplace.

👉 Tune in now to hear how Vouched is powering secure, seamless onboarding for the future of finance!

🎧 Available on YouTube, Spotify, and Apple Podcasts.

#LendAPI #Podcast #Vouched #IdentityVerification #KYC #DigitalIdentity #FinTech #CustomerOnboarding #FraudPrevention #MobileDriversLicense #TechnologyInnovation

In this episode, Rutger van Faassen interviews Jamie Twiss, CEO of Carrington Labs, to explore how the company is rethinking risk analytics and credit modeling through behavioral insights and data-driven innovation. Born out of a mission-driven lending business, Carrington Labs is focused on building more inclusive, efficient, and intelligent lending solutions using automation and AI.

💡 What’s Inside This Episode?

• How Carrington Labs evolved from a mission-focused lender into a risk analytics powerhouse.

• Why automated loan decisioning is essential to scale responsible lending.

• The limitations of traditional credit scoring — and how Carrington Labs goes beyond the FICO.

• How AI is used in feature engineering to create unique borrower insights.

• Real customer stories showcasing how spending patterns reveal true creditworthiness.

🌟 Carrington Labs is a proud partner of LendAPI! Learn more about their credit modeling solutions on the LendAPI Marketplace.

👉 Tune in now to hear how behavioral data is reshaping the future of lending!
🎧 Available on YouTube, Spotify, and Apple Podcasts.

#LendAPI #Podcast #CarringtonLabs #CreditModeling #RiskAnalytics #FinTech #BehavioralData #DataDrivenLending #AIinFinance #FinancialInclusion

In this episode, Rutger van Faassen sits down with Austin Carroll, Founder and CEO of Warrant, to discuss how AI-powered compliance tools are transforming marketing in financial services. Learn how Warrant helps marketers navigate complex regulations, avoid costly mistakes, and streamline the compliance approval process — without slowing down creativity and execution.

💡 What’s Inside This Episode?

• The origin story of Warrant and its mission to simplify marketing compliance.

• Why financial services marketers often struggle with short tenures and compliance challenges.

• How Warrant acts like an AI compliance officer, giving instant regulatory feedback.

• Real-world success story: how Future Money streamlined its marketing compliance with Warrant.

• The importance of proactive compliance in building trust and avoiding penalties.

🌟 Warrant is a proud partner of LendAPI! Explore their innovative solutions on the LendAPI Marketplace.

👉 Tune in now for an insightful conversation on the future of marketing compliance in fintech and banking!
🎧 Available on YouTube, Spotify, and Apple Podcasts.

#LendAPI #Podcast #Warrant #MarketingCompliance #FinancialMarketing #AICompliance #FinTech #RegulatoryCompliance #FinancialServices #MarketingInnovation