Lendflow (YC W21) — Embedded lending infrastructure for software companies
We help companies embed lending services into their software so they can better serve their customers by helping them access capital, increase engagement in their product, improve retention and expand their revenue per user.
Lendflow is a Y Combinator company in the Winter 2021 batch. Its directory entry describes it as: Embedded lending infrastructure for software companies. The founders listed are Jon Fry (Founder), Matthew Watts (Founder) (Y Combinator directory entry, March 2, 2021).
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Example from a real report (our sample on Target): “The Q2 2026 earnings report, published August 19, 2026, showed adjusted EPS of $2.46 against an expected $2.33” Source: CNBC
We help companies embed lending services into their software so they can better serve their customers by helping them access capital, increase engagement in their product, improve retention and expand their revenue per user.
Checked away from the directory entry. Neither line below comes from the company's Y Combinator page.
Lendflow | The Most Versatile Embedded Credit Infrastructure
The most versatile, modular platform to help brands and lenders to connect and automate lending with AI technology driven intelligence.
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Jon Fry
Founder
Founded ChannelGrowth in 2014, we specialized in small business customer acquisition for the alternative lending industry. We originated $150+ million over the past 5 years. Launched Quicklinecredit in 2017, which was our own integral micro funding product, where we built software for each stage of the lending process. Launched Lendflow in 2019.
Matthew Watts
Founder
Matthew is co-founder of Lendflow and plays a leading role in driving key strategic initiatives and innovation across all engineering teams and the core business. Prior to joining Lendflow, Matthew oversaw teams at SpendHQ and directly leverages this expertise at Lendflow. In his free time he works as a volunteer for the National Park Service.
Founders, titles and bios as the company published them. Photographs are our own copies of the ones on that record, so they do not break when the original link expires.
One of 122 companies held here in Fintech › Payments.
No investor is drawn from a Form D — the form states how many invested and never who. The one investor on this graph is named because a batch has exactly one.
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Example from a real report (our sample on Target): “The Q2 2026 earnings report, published August 19, 2026, showed adjusted EPS of $2.46 against an expected $2.33” Source: CNBC
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