MR DRAFT: From Start Up to Scale: Choosing BaaS partners that grow with you

The Problem: Many fintechs select a banking partner early in their lifecycle, often before they fully understand what sustainable growth will require. These early decisions, while expedient, can create structural limitations that surface years later. Growth is rarely linear: it comes in unexpected ways and places, putting stress on relationships forged when the business was at a very different stage. As a result, many fintechs eventually hit a growth ceiling—not because of their ambition, but because their BaaS partner cannot evolve with them.

The Solution: As the BaaS industry has matured, leading players have carved out niches where they can differentiate and better serve fintechs. The best partners don’t just provide services — they evolve in lockstep with their clients. Instead of gambling on a short-term vendor, fintechs should seek an “evolution partner” like Cross River from day one.