# Lendbuzz

> Lendbuzz is a Boston-headquartered auto finance platform (founded 2015) that uses machine learning and alternative data — bank transaction history, education, employment and income signals rather than a traditional FICO file — to underwrite consumers with thin or no US credit history. It originates retail auto loans through a nationwide dealership network and provides dealers with floor planning and an AI-assisted "Express Contract" digital contracting flow. All loans are made by Lendbuzz Funding, LLC (NMLS ID #1636296).

## API surface

Lendbuzz publishes **no public API, no developer portal, and no machine-readable API contract**
(verified 2026-08-01). Dealer integration is intermediated by the **Dealertrack** and **RouteOne**
F&I networks — dealers submit credit applications through those platforms or directly in the
Lendbuzz Dealer Portal. `api.lendbuzz.com` resolves in DNS but is not publicly reachable.

## Applications

- [Dealer Portal](https://app.lendbuzz.com/dealer_portal): Where dealers submit deals, link customer bank accounts (Plaid), upload documents, and request contracts.
- [Dealer Sign Up](https://app.lendbuzz.com/dealers/signup): Dealer onboarding.
- [Dealer onboarding guide](https://www.lendbuzz.com/onboarding): Step-by-step first-deal walkthrough — application, bank linking, document upload, DocuSign contract, funding documents.

## Products

- [For dealers](https://www.lendbuzz.com/dealers): Retail auto financing for franchise and independent dealerships.
- [Floor planning](https://www.lendbuzz.com/floor-planning): Inventory financing for dealers.
- [Express Contract](https://www.lendbuzz.com/express-contract): AI-assisted digital contracting.

## Operations

- [System Status](https://www.lendbuzz.com/system-status): Self-hosted status page covering RouteOne, Dealertrack, Client Portal, Dealer Portal and Front End, plus maintenance notifications.
- [Service Level Agreement](https://www.lendbuzz.com/service-level-agreement): Downloadable SLA PDF.

## Company

- [About](https://www.lendbuzz.com/about)
- [News](https://www.lendbuzz.com/news)
- [Dealer Resources / articles](https://www.lendbuzz.com/dealer-resources)
- [FAQ](https://www.lendbuzz.com/faq)
- [Contact](https://www.lendbuzz.com/contact)
- [Careers](https://www.lendbuzz.com/careers)
- [GitHub organization](https://github.com/LendBuzz): Two public repositories (an interview exercise and a versioning GitHub Action) — no SDKs.

## Legal and licensing

- [Terms and Conditions](https://www.lendbuzz.com/tos)
- [Privacy Policy](https://www.lendbuzz.com/privacy)
- [State Licenses](https://www.lendbuzz.com/state-licenses)
- [State Disclosures](https://www.lendbuzz.com/state-disclosures)

## API Evangelist artifacts

- [apis.yml](https://raw.githubusercontent.com/api-evangelist/lendbuzz/refs/heads/main/apis.yml)
- lifecycle/lendbuzz-lifecycle.yml — status page, SLA, release cadence
- conformance/lendbuzz-conformance.yml — regulatory posture
- security/lendbuzz-domain-security.yml — TLS/HSTS/DNS probe results
- well-known/lendbuzz-well-known.yml — /.well-known/ probe record (nothing published)