Turn Everyday
PaymentsMaterialsExpensesSoftwarePaymentsPayments Into Business Credit

LendPilot is in active development — we're not yet live for general use. The product's verification, reporting, and integration layers are still being built. Joining the waitlist is how we'll allocate access to the earliest version once the first release is ready.

Lenders check your business credit before they approve a loan, set a limit, or price a rate — so a thin or missing profile is why credit-invisible businesses get denied or charged more. LendPilot is being built to establish that profile from payments you already make, with the goal of moving you from invisible to fundable — bigger credit lines, better terms. We build the credit foundation; lenders still make the final call, and LendPilot does not issue loans itself.

LendPilot is being built on Plaid, which provides read-only access to your transaction history. Your bank login is handled entirely by Plaid — it never touches LendPilot's systems. We'll only be able to see cleared transactions; we cannot move money, initiate transfers, or make any changes to your account. It's there to confirm which vendors you actually pay — not to send anything to the bureaus.

Self-reported tradeline services let businesses submit payments themselves, which is exactly the weakness — the data isn't independently confirmed. LendPilot is being built around the opposite: the payments that count come from your actual vendors reporting what you really paid them, tied to real, cleared transactions. There's no path to a payment that didn't happen. That verification is the core difference.

Our near-term focus is Dun & Bradstreet, because it's the one major business bureau that lets your vendors report your payments for free, through its Trade Exchange Program — and it's the bureau most business lenders check first. Equifax Business and Experian Business are on the roadmap as the network grows. We'd rather do D&B properly than spread thin.

Yes — control is central to how it's being designed. You'll authorize which vendors we work with, and you'll see exactly which payments are being brought into the network before anything happens. Nothing moves forward without your sign-off, and early access is hands-on — we'll walk through it with you.

We haven't committed to a public launch date. The waitlist is how you'll get access to the earliest version — we'll reach out as soon as onboarding opens for your segment. We'd rather launch with something we can stand behind than rush one out the door.