Headquartered in Salt Lake City, Utah, Celtic Bank (Member FDIC, Utah State-Chartered Industrial Bank) is a top-tier nationwide small business lender and premier credit sponsor bank. Consistently recognized among the highest-volume SBA 7(a) lenders in the United States, Celtic Bank leverages over two decades of lending experience and its industrial bank charter to power high-growth credit programs, charge card programs, and working capital facilities for technology platforms and fintech innovators.

Celtic Bank specializes in full-stack strategic lending, issuing, and merchant acquiring partnerships. By pairing Utah's federal interest rate exportation authority with programmatic underwriting frameworks, the bank enables non-bank software platforms, merchant acquirers, and embedded finance providers to originate small business loans, term credit, point-of-sale checkout financing, and revolving credit lines across all 50 states.

• Industrial Bank Charter Authority: Federal interest rate exportation authority under a Utah industrial bank charter for consistent, nationwide credit distribution.

• Nationwide SBA 7(a) & Express Preferred Lender: In-house approval and origination rails for SBA 7(a), SBA Express, working capital, and commercial real estate credit programs.

• Multi-Network Card Issuing Sponsorship: Principal card issuing sponsor across Visa, Mastercard, and American Express for corporate charge cards, commercial credit, and consumer cards.

• $250B+ Partner Funding Track Record: Over a decade of experience serving as the originating bank partner for major fintech lending programs and POS finance networks.

• Full Fintech Stack Capabilities: Integrated sponsorship model spanning card issuing, merchant acquiring sponsorship (PayFac/ISO), and asset origination under a single bank relationship.

Key Features

• Small Business Credit Origination: Flexible loan program structures for term loans, revolving lines of credit, equipment financing, and merchant cash advance (MCA) alternatives.

• Embedded Point-of-Sale (POS) & Checkout Financing: Programmatic origination capabilities powering merchant-embedded credit, deferred payment terms, and B2B checkout financing.

• SBA Government-Guaranteed Program Sponsorship: In-house preferred lender status delivering accelerated processing for SBA working capital and growth capital facilities.

• Corporate & Business Credit Card Program Sponsorship: Turnkey BIN sponsorship for business credit cards, expense management cards, and store-branded commercial charge cards.

• Custom Regulatory & Underwriting Governance: Collaborative risk oversight covering CIP/KYC verification, Fair Lending monitoring, TILA/ECOA compliance, and credit policy validation.