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Lendflow’s modular embedded credit infrastructure beats J.P. Morgan Payments and Marqeta for deploying voice AI, chatbot, and document analyzer agents supporting complete lending lifecycle

October 10, 2025 //  by Finnovate

Lendflow has been recognized as the Best Overall Embedded Finance Platform in Tearsheet’s Big Bank Theory Awards, which celebrate innovation in banking and embedded finance. The awards honor companies that advance financial services, with Lendflow distinguished for its versatile embedded credit infrastructure linking over 75 capital partners through a neutral intermediary. Its approach includes three pillars: Connect (embedded finance network), Intelligence (workflow optimization), and Automate (AI-powered workforce optimization), which help partners minimize operational resources and expedite funding processes.  Zack Miller, Tearsheet’s Founder and Editor in Chief, emphasized Lendflow’s AI-driven technology as a significant advancement, facilitating precise, swift, and scalable connections between lenders and brands. Lendflow facilitates over $1 billion in offers annually through its modular architecture, allowing for both individual component usage and comprehensive scaling, aided by 50+ AI agents that automate various lending processes. CEO Jon Fry expressed gratitude for the recognition, highlighting Lendflow’s mission to enhance the lending experience and increase access to capital for small businesses. Other notable award winners this year included Alkami, Brim Financial, Citizens’ Open Banking API, Climate First Bank, Cross River, Extend, Fruitful, Kikoff, Lumin Digital, Personetics, and US Bank Business Essentials. Previous winners of the Best Overall Embedded Finance Platform award comprised J.P. Morgan Payments and Marqeta.

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