Lend is the platform that will power the future of credit in Brazil. Built for tech entrepreneurs by tech entrepreneurs, Lend's purpose is to unlock prosperity by creating the infrastructure that will support the next generation of innovators in the lending space.

Lending as a Service made simple and scalable

Unlock growth for your business by offering credit products with speed and stability.

Backed by

A16Z is a venture capital firm that backs bold entrepreneurs building the future through technology.Canary is the first institutional investor in leading technology companies in Latin America
competitive advantage

Scalable in every way

Using cutting-edge technology, we create tools for you to innovate your business with high speed, stability, safety and at low cost. All that in a simple way, allowing you to focus on what matters: your business.


ccb as a service
as a service
Issue Bank Credit Notes, manage contract and signatures for your funding structure, and administer disbursements. All in a simple way with high performance.
Create credit products to offer unique financial opportunities for your clients with flexibility.
receivables as a service
as a service
Use your clients' credit and debit receivables balance as collaterals to make debt payments or build more attractive credit offers, leveraging one of the most actionable guarantees in the market.
Reduce the default rate of your debts and receive payments through operations with current or future receivables.
data as a service
as a service
Check your clients' indebtedness using the SCR*, their receivables schedules, and the direct sales history from POS to analyze credit risks.
*SCR stands for "Credit Registry System" in Brazil
Track critical data of your clients in real-time to generate more opportunities safely and prevent new defaults.

Designed for developers

1234567891011121314151617181920curl -X POST \
     --url https://api.sandbox.lend.tech/v1/loans \
     --header 'Content-Type: application/json' \
     -d '{
            "contract_model_id": "e6baddec-c991-40ba-88ed-6f1ce8e51447",
            "borrower": {
              "person":  { ... }
            "disbursement_info": {
              "bank_account":  { ... }
            "application": {
              "loan_amount": 987092.23,
              "monthly_interest_rate": 0.02,
              "disbursement_date": "2023-01-01",
              "interest_type": "PRE",
              "credit_operation_type": "UNSECURED_BUSINESS_LOAN",
              "installments":  { ... }

We live technology and we know how painful can be to work with confusing APIs, meaningless abstractions and poorly organized or out of date documentation. That's why we thought the API focusing on ensuring that developers can build amazing products with high performance and in record time. No more wasting hours reading irrelevant documentation and tests that lead nowhere!

Ready to innovate your business ecosystem for real?

Request access and see how simple it is to create amazing credit products with Lend.