Headquartered in San Marcos, California, Hatch Bank (FDIC-Insured, California State-Chartered) combines decades of banking experience with an agile, partner-centric technology stack designed specifically to empower FinTechs and vertical software platforms to launch credit products. Operating as a selective, highly responsive sponsor bank, Hatch Bank focuses on providing custom credit origination frameworks rather than one-size-fits-all BaaS templates.

Through its direct API infrastructure, powered by Hatch®, the bank acts as an originating bank partner for embedded healthcare financing networks, point-of-sale (POS) installment lenders, sustainable energy programs (such as solar and home improvement), and commercial credit card issuers. By combining interest rate exportation authority under its California bank charter with dedicated compliance oversight, Hatch Bank enables platforms to deploy compliant consumer and commercial credit programs across North America.

• Tailored Credit Sponsorship: Purpose-built loan origination frameworks customized for healthcare, sustainable energy, commercial cards, and POS retail financing.

• Direct API Connectivity: Seamless API integration layer, powered by Hatch®, designed for rapid program implementation and real-time ledger synchronization.

• Selective Partner Growth: Direct collaborative engagement with dedicated compliance and risk management teams to scale credit programs safely.

• Multi-Asset Origination: Sponsor consumer installment loans, point-of-sale "Pay Over Time" facilities, solar/green energy loans, and commercial charge cards.

Key Features

• Flexible Embedded Lending Rails: Issue customized consumer installment loans, point-of-sale financing, and revolving lines of credit nationwide under Hatch Bank’s chartered authority.

• Commercial & Business Card Issuing: Sponsor business credit cards, co-branded commercial charge cards, and corporate expense programs with custom authorization workflows.

• Healthcare & Specialty POS Programs: Specialized origination infrastructure for medical/dental patient financing, home improvement, and clean energy credit.

• Embedded Compliance & Governance: Comprehensive BSA/AML monitoring, Truth in Lending (TILA), CIP execution, and Fair Lending controls tailored to your credit product.

• Programmatic Payouts & Money Movement: Direct clearing and settlement via ACH, Same-Day ACH, domestic wires, and Push-to-Card networks.