Headquartered in Salt Lake City, Utah, WebBank (founded in 1997) is an FDIC-insured Utah Industrial Bank (ILC) that has originated and funded hundreds of billions of dollars in consumer and commercial credit products. WebBank is widely recognized as the pioneer of enterprise Credit Sponsorship in North America, acting as the master originating bank behind major marketplace lenders, BNPL checkout networks, and enterprise SMB capital programs.

Operating primarily through a Strategic Partner model, WebBank bridges regulatory requirements with technology platforms, enabling non-bank entities to issue revolving credit cards, point-of-sale installment loans, and working capital lines nationally under a single compliant banking umbrella.

• Federal Charter Authority: Originate credit products nationally while maintaining full regulatory compliance across federal and state lending frameworks under WebBank's ILC charter.

• BNPL & POS Installments: Power embedded checkout financing and installment options for digital commerce networks and high-growth retail platforms.

• Enterprise SMB Funding: Sponsor large-scale commercial merchant funding programs, invoice financing solutions, and working capital credit lines.

• Private-Label & Co-Branded Credit Cards: Issue branded Visa and Mastercard credit cards, consumer credit-builder tools, and corporate spending cards.

• LendAPI Orchestration: Map complex lending rules, automated credit decisioning, and contract execution directly into WebBank origination rails via LendAPI's visual builder.

Key Features

• Nationwide Credit Sponsorship: Compliantly export interest rates and underwrite revolving or closed-end credit across all 50 states.

• Custom Credit Program Architecture: Flexible origination models tailored for consumer installment credit, revolving store cards, and B2B term loans.

• Robust Regulatory Oversight: Deep governance covering Truth in Lending (TILA), Equal Credit Opportunity Act (ECOA), BSA/AML, and automated compliance auditing.

• Capital & Facility Support: Asset-based lending facilities and forward-flow structural support for strategic lending partners and credit funds.

• Seamless API Integrations: Modern digital endpoints for real-time application processing, credit check execution, and loan disburse commands.