Marketplace lending
Launch and scale a nationwide marketplace lending program with Cross River’s API‑based platform for origination and funding.
Why Cross River for marketplace lending?
“Cross River's choice to build a banking core speaks to their appetite for solving complex problems. This deep commitment to their own tech stack played a big factor behind why we chose them to implement our programs.”
Flexible solutions
Our API-based platform lets you choose the services you need to power your marketplace lending program, including loan licensing, underwriting validation, and funding.
Holistic approach
We solve the nationwide licensing and regulatory challenges that other struggle with, and offer a holistic, customer-focused approach to payments, loans, and deposit products.
Engineered to scale lending
Our team is experienced in supporting marketplace lending programs, can support onboarding in as little as 90 days, and provides ongoing relationship management.
End‑to‑end marketplace lending infrastructure
Loan origination
Cross River is a New Jersey state chartered FDIC-insured bank lending out of our Delaware Branch.
Application importing
Import loan applications and documents through flexible APIs or file uploads. Built to integrate with your existing systems and workflows.
Underwriting & compliance validation
Validate credit decisions, regulatory requirements, and identity checks to ensure every loan meets policy and compliance standards.
Funding solutions
Disburse funds via multiple payment rails, including ACH, checks, Mastercard RPPS, and Cross River account-to-account transfers.
Second‑look programs
Recapture declined borrowers by matching them with investor funding sources. Your platform retains the customer relationship.
Liquidity & financing
Leverage capital solutions, including loan purchasers, warehouse lines, and co‑lending structures to support growth and balance‑sheet flexibility.
Built to support a wide range of marketplace lending models
Point-of-sale installment loans
Debt settlement programs
Auto loans
Solar loans
Lines of credit
Home improvement loans
Debt consolidation
Small business lending
