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2013: Beginning

A conversation between Best Egg’s founder and Cross River’s CEO sparked over a decade-long collaboration. Since then, the partnership has facilitated over $39 billion in loans and reached 2.4 million customers, reshaping credit access for consumers traditionally underserved by legacy financial institutions.

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2020: The Test

The COVID-19 pandemic tested the resilience of both Best Egg and Cross River. As many lenders paused loan issuance, Cross River stood out as one of the few institutions still purchasing loans. That consistency strengthened trust and positioned Best Egg to accelerate growth coming out of the crisis.

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2024: The Solution

What began as basic loan origination evolved into sophisticated closed-loop capital market solutions. Best Egg launched its $160 million “BEAST” securitization platform, powered by Cross River's CRB Securities, enabling assets to be packaged and sold to institutional investors.

This milestone illustrates the difference between point-solution vendors and longterm evolution partners: Cross River’s support allowed Best Egg to move beyond the startup mindset into market leadership.

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The Result

$950MM loans issued through the BEAST program and industry leading customer satisfaction.