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Lending platform integrations hub

Partner-facing loan application APIs and a family of CRM, payment and banking integrations that keep a digital lending platform in sync with the systems brokers, lenders and banks already use.

3 min read
Client
Nimo Industries
Industry
Fintech · Digital lending
My role
Integration Developer
Timeline
2025 — Present
  • 7 CRM, payment & banking services integrated
  • 3 CRM platforms kept in sync
  • 4 payment & banking providers connected

Tech stack

  • Node.js
  • React
  • REST APIs
  • HubSpot
  • Zoho CRM
  • NextGen
  • Westpac QuickStream
  • PayWay
  • Payments Plus
  • Banking Circle

Overview

Nimo Industries builds end-to-end digital lending software — loan origination, automated credit decisioning, settlement and loan servicing. A lending platform is only as useful as its connections: applications arrive from partner platforms, customer records live in the CRMs sales teams already use, and money moves through banks and payment gateways.

As Integration Developer I build and maintain the APIs and third-party integrations that connect the platform to that ecosystem.

The challenge

Every external system speaks a different dialect. Partner platforms submit applications in their own shapes; HubSpot, NextGen and Zoho each model customers and deals differently; payment providers such as Westpac QuickStream, PayWay, Payments Plus and Banking Circle each have their own authentication, payloads and failure modes.

  • Partners needed a dependable way to submit loan applications directly into the platform.
  • Customer and application data had to stay consistent across several CRMs without double entry.
  • Payment and banking workflows had to be reliable — in lending, a dropped request is a real customer problem.
  • Third-party APIs can be slow or unavailable at the worst moment, so the platform could not depend on them answering synchronously.

Approach & solution

I treat integrations as a product in their own right rather than one-off scripts.

  • Clear API contracts for partners. REST endpoints for submitting loan applications, with validation and explicit error responses so partners can integrate with confidence.
  • One internal model, many adapters. Each CRM and payment provider sits behind an adapter that maps its data onto the platform’s own customer and application model, so lending logic never depends on a vendor’s quirks.
  • Asynchronous by default. Work that touches external services — CRM synchronisation, payment and banking calls — runs in asynchronous workflows with retries, so a slow provider never blocks an application.
  • Designed to be traceable. Integration activity carries enough context to follow an application across systems when something needs investigating.

Architecture

Applications enter through the partner API, are validated and mapped onto the platform’s model, then fan out to CRMs and payment rails through asynchronous integration workers.

  1. Partner platforms Brokers & external systems
  2. Loan application API REST · validation
  3. Mapping layer Canonical data model
  4. Lending platform Origination & servicing
  5. Async workers Queued · retried
  6. CRMs & payment rails HubSpot · Zoho · QuickStream

Technical highlights

An adapter per provider

Each CRM and payment service is isolated behind its own adapter, so adding or replacing a provider doesn’t ripple through the lending logic.

Resilient async workflows

External calls are processed asynchronously with retries, keeping partner submissions fast even when a third party is slow.

Validation at the edge

Applications are validated before they enter the platform, with clear errors partners can act on.

Multiple payment rails

Westpac QuickStream, PayWay, Payments Plus and Banking Circle sit behind a consistent internal interface for payment processing and financial workflows.

Results & impact

  • Partners submit loan applications straight into the lending platform through REST APIs.
  • Customer and application data stays synchronised across HubSpot, NextGen and Zoho.
  • Payment processing and banking workflows run through Westpac QuickStream, Payments Plus, PayWay and Banking Circle.
  • New integrations follow an established pattern, making the platform easier to extend.

Lessons learned

Assume every third party will be slow, change its API or go down — and design so the customer never notices. Investing early in a canonical data model and a consistent adapter pattern pays for itself with every new integration.

Some details are generalised to respect client confidentiality.

Facing a similar challenge?

I’m always happy to talk through architecture, integrations or delivery. Tell me what you’re building and let’s see if I can help.

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