In 2025, digital lending platforms face one of their biggest threats yet, fraudulent funding applications. From identity theft to synthetic businesses, scam submissions cost lenders millions each year. Lending Valley, one of the fastest-growing business funding providers in the U.S., decided to tackle this head-on by partnering with Authenticate.com, a global leader in identity verification and fraud prevention.
2. Why Verification Matters for Modern Lenders
Traditional lending relied on paperwork and in-person checks. But in the online lending space, speed often comes at the cost of security. Fraudulent businesses can fake tax IDs, manipulate credit histories, and submit fake documents, all in seconds. To protect genuine U.S. small business owners while keeping approvals fast, Lending Valley needed a seamless, automated verification partner.
3. Enter Authenticate.com — The Identity Verification Powerhouse
Authenticate.com provides a full-stack verification platform that covers:
🪪 Government ID and Passport Scanning (covering 10,000+ ID types)
🤳 Facial Recognition & Liveness Detection to confirm applicant identity
🧾 Business and Criminal Background Screening
⚙️ API + No-Code Integration plug directly into Lending Valley’s application portal
This meant Lending Valley could instantly verify a borrower’s identity and flag suspicious patterns before any funds were released.
With the help of Authenticate.com’s API, Lending Valley built a multi-layer verification flow:
1️⃣ Step 1 – Applicant Uploads ID Users submit a valid U.S. government ID or passport during the funding application.
2️⃣ Step 2 – Real-Time Verification Authenticate.com checks ID authenticity, facial match, and runs database validation.
3️⃣ Step 3 – Business Background Screening Authenticate’s background tools review criminal, sanctions, and watch-list databases to flag high-risk entities.
4️⃣ Step 4 – Fraud Scoring & Approval Routing Lending Valley’s internal risk team receives a score and automated alerts, allowing fast, confident approvals.
This integration reduced manual checks by 62% and cut fraudulent attempts by over 78% in the first quarter alone (based on Lending Valley’s internal analysis, 2025).
5. Real-World Impact: Building Trust & Faster Approvals
Thanks to Authenticate.com, Lending Valley now processes funding requests within hours, while maintaining top-tier security. ✅ Fraud attempts are automatically filtered ✅ Genuine businesses enjoy faster funding ✅ Affiliates and brokers trust the platform more, knowing their referrals are protected
According to Lending Valley’s compliance lead:
“Authenticate.com gave us the tools to grow confidently. Our partners trust that every lead we fund is verified and legitimate.”
The success of this collaboration shows that fintechs can maintain speed, trust, and compliance without sacrificing one for another. For affiliates, brokers, and business owners, it means they’re part of a safer, more reliable ecosystem. And for Lending Valley, it reinforces its position as a trusted leader in U.S. business funding.
7. Final Thoughts: A Safer Future for Business Lending
As online lending grows, verification will remain the backbone of trust. By teaming up with Authenticate.com, Lending Valley has proven that technology and transparency can go hand-in-hand, helping small businesses access capital securely, while protecting the network from fraud.
Chad Otar is the CEO at Lending Valley, a pioneer in the Fintech and alternative lending space. He has assisted thousands of business owners to receive funding over the last 10 years and is focused on helping one small business at a time achieve access to capital.
