The full stack bank for merchant platforms
Turn your platform into your merchants' financial operating system by embedding lending, deposits, payments and cards into the tools they already run their business on.
Make our platform the only financial partner your merchants need
Platform stickiness
When your merchants deposit, borrow, and transact inside your platform, you become their financial operating system. Own the infrastructure and you own the relationship.
Revenue per merchant
Every deposit, payment, advance, and card swipe on your platform generate revenue. From deposit float and acquiring fees to interchange and revolving interest income, you capture the economics.
Scale without limits
Grow your lending portfolio without capital constraints. Through CRBS, you get access to ABS issuance, loan sale advisory, and private placements designed to scale alongside your originations. Turn your portfolio into institutional-grade capital.
Why SMB platforms choose Cross River
Single integration
Whether you start with acquiring, deposits, or lending, one integration gives you the foundation to expand across every financial product your merchants need.
Data no one else has
Acquiring data shows what your merchants earn. Deposit data shows how they spend. When both live on one platform, you see a more complete financial picture: real-time sales balances, cash flow, and seasonality – data for stronger merchant relationships.
A bank that works like a tech company
Modern APIs and flexible payment infrastructure designed to move at your speed. Build, test, and launch new embedded financial capabilities without rebuilding your stack.
Products used by SMB-focused fintechs
BaaS, payments & acquiring
FDIC-insured deposit accounts, merchant acquiring, and full payment rails including ACH, wires, RTP®, FedNow®, and push-to-debit. The always-on financial backbone of your platform.
SMB lending
Fast, flexible capital for your merchants through working capital, term loans, and lines of credit. Continuously preapproved, funded in minutes, and repaid directly from daily sales with no ACH return risk.
Card issuing
Platform-branded debit, credit, and prepaid cards via Visa/Mastercard BIN sponsorship. Interchange income on every swipe, plus net interest income on revolving balances.
SBA 7(a) loans
Long-term, affordable capital for expansion, real estate, and major equipment — originated through Cross River's Preferred Lender status and referred through your platform.
Capital solutions
ABS issuance, loan sale advisory, private placements, and M&A advisory through CRBS. Scale your lending portfolio with institutional capital.
