Loan Management

Metro 2 Integration for LendSaaS

Integrate with LendSaaS — a cloud lending platform focused on merchant cash advance (MCA) origination and servicing — via its REST API. LendSaaS authenticates with API key + client name and exposes endpoints for leads, offers, positions, ACH schedules, underwriting info, and funding stats. Metro2 pulls deal and payment data, maps it to Metro 2 format, and submits to credit bureaus. Note: MCA products are not traditional loans, but some operators choose to report them for credit building purposes. LendSaaS integrates with 40+ partners including Plaid, Experian, Ocrolus, and multiple ACH processors.

How It Works

Metro2 authenticates to LendSaaS via API key + client name. Lead, offer, position, and ACH schedule data is pulled through the REST API. Payment history is derived from ACH schedules with NSF/return tracking. Metro2 maps this data to Metro 2 format and submits to credit bureaus.

LendSaaS

Metro2

Credit Bureaus

API Integration Details

Technical details about connecting to the LendSaaS API.

Authentication

API Key + Client Name (passed to LendClient constructor)

Base URL

Provided by LendSaaS upon account setup

Documentation

View Docs

Sandbox

Not available

Pricing

Custom pricing via demo/consultation. Python client available: pip install lend-saas (BSD-3 license, requires Python 3.6+).

Key API Endpoints

Method	Endpoint	Description
GET	/leads	Returns lead (borrower) records with date filtering and pagination (limit 1000).
GET	/leads/{id}	Returns a single lead with full details.
GET	/leads/{id}/offers	Returns funding offers for a lead with amounts, terms, and factor rates.
GET	/leads/{id}/positions	Returns current position data — outstanding amounts and status.
GET	/leads/{id}/ach-schedule	Returns ACH payment schedule with dates, amounts, and NSF/return status (limit 5000).
GET	/leads/{id}/underwriting	Returns underwriting data including credit and risk assessment results.
GET	/leads/{id}/external-data	Returns Experian Credit Profile and Bank Statement data (limit 100).
GET	/account-monitoring	Returns portfolio monitoring data by status and white-label partner.
GET	/funding-stats	Returns funding statistics for a date range.

Benefits

REST API with Python SDK

LendSaaS provides a REST API with a published Python client (BSD-3 licensed, pip install lend-saas). Authentication uses API key + client name.

40+ Integration Partners

LendSaaS integrates with Plaid, Experian, Ocrolus (OCR/AI), multiple ACH processors (Actum, Payliance, ACHWorks), and CRM tools like Pipedrive and Twilio.

ACH Schedule Tracking

The API exposes ACH payment schedules with NSF/return tracking — essential data for calculating Metro 2 payment history and delinquency status.

Comprehensive Underwriting Data

Access underwriting info, Experian credit profiles, bank statements (via Plaid/Ocrolus), and stipulation records for thorough borrower data.

Automated Renewal Triggers

LendSaaS triggers renewal offers based on repayment progress — Metro2 can use this data to manage tradeline updates.

Data Fields That Sync

Metro2 maps these fields from LendSaaS to Metro 2 format automatically.

Lead (borrower) records via get_leads() — submitted dates, contact info, business details
Lead payment promises via get_lead_payment_promise()
Offer details via get_offers() — funding amounts, terms, factor rates
Position data via get_positions() — current status, outstanding amounts
ACH payment schedules via get_ach_schedule() — dates, amounts, NSF/return status
Underwriting info via get_underwriting_info() — credit and risk data
External data from Experian (Credit Profile, Bank Statements) via get_external_data()
Notes and communication history via get_notes()
Principal (guarantor) information via get_principals()
Funding statistics via get_funding_stats()

Get Set Up in 5 Steps

Obtain LendSaaS API Credentials

Get your API key and client name from LendSaaS. These are used for all API authentication.

Connect in Metro2

Enter your LendSaaS API key and client name. Metro2 will authenticate and verify access to your deal data.

Configure Reporting Rules

Define how MCA deals map to Metro 2 fields. Configure Account Type, Portfolio Type, and payment tracking rules based on ACH schedules.

Test and Validate

Pull sample data, generate test Metro 2 files, and verify payment history calculations from ACH schedule records.

Enable Production Reporting

Enable automated monthly Metro 2 submissions for active deals.

Frequently Asked Questions

Is LendSaaS for traditional loans or MCA?

LendSaaS is primarily focused on merchant cash advance (MCA) origination and servicing. MCA products are technically not loans, but some operators choose to report them to credit bureaus for borrower credit building purposes.

How does API authentication work?

LendSaaS uses API key + client name authentication. The Python SDK initializes with LendClient('api_key', 'client_name'). Data is returned as pandas DataFrames in the Python client.

What ACH processors does LendSaaS integrate with?

LendSaaS integrates with 10+ ACH processors including Actum, Payliance, ACHWorks, Kapcharge, EFT Network, and USIO.

Does LendSaaS have credit bureau data?

Yes. LendSaaS integrates with Experian for credit report pulls during underwriting. However, it does not report payment data back to credit bureaus natively — that's what this Metro2 integration provides.

Related Integrations

Bryt Software

Loan Management

Pull loan servicing data from Bryt Software's open API for Metro 2 credit reporting. Bryt offers Metro 2 via Datalinx add-on — Metro2 provides an alternative.

Nortridge Loan System

Loan Management

Enhance Nortridge's built-in Metro 2 reporting with Metro2's validation engine, or pull loan data via NLS REST API (OAuth 2.0, Swagger/OpenAPI).

Finastra Fusion

Loan Management

Pull loan data from Finastra's FusionFabric.cloud APIs (OAuth 2.0, 200+ endpoints) to generate Metro 2 credit reports.

Ready to Connect LendSaaS?

Start reporting to credit bureaus from LendSaaS today. Our team will help you get set up quickly.