Solutions

Lending

Offer customized and complete lending solution to your customers from origination to disbursement

Provide optimal lending solution for your customers

Originate loans across terms loans, BNPL, line of credit and credit cards for both consumers and businesses. We are able to support various fee-based or interest-based models as well as different fees during the life of the loan.

Disburse funds to your customers via different payment rails in a timely manner

Disburse funds to your customers directly utilizing ACH, Wire or push to card (coming soon). Be in control of your disbursement and receive updates to status to take appropriate next action.

Provide alternate methods of lending via unsecured or secured credit cards

Diversify your offering by issuing credit cards with either Visa or Mastercard. We offer BIN-sponsorship, settle with card networks and are able to support different processors.

Optimize your financial operations with customized flow of funds

We customize your funds flow structure that will allow for timely disbursement to your customers and optimal financial operations for your company.

Credit Builder

Help your customers build credit by offering secured credit products

Allow your customers to build credit

Offer secured lending products. Allow customers to provide security collateral on the loan which they can draw against to build credit. Safeguard secured funds by storing them in FBO accounts for secured funds only.

Provide secured lending product the way your customers need it 

Customize your offering to provide secured card, term loan, line of credit or credit card depending on your customer type for them to build credit.

Digital Banking

Become the main digital banking platform for your customers by offering capabilities across accounts, transfers and lending

Provide banking capabilities with account numbers

Provide banking capabilities, such as the ability to take in direct deposit and initiate payments, by creating account numbers. Provide FDIC insurance and offer flexible payment methods across ACH, Wire and internal transfers.

Become top of your customer wallet by issuing debit or cards

Have your customers transact with your debit or credit cards. We support BIN-sponsorship, settlement with card networks and bring-your-own-processor model.

Round out your customer experience by providing lending capabilities

Offer lending products that align with your value proposition. We help customize your lending product with experience working across closed or open-end loans. 

Business Finances

Become the financing solution for your businesses by offering cards and installment lending products

Allow businesses to control and spend by issuing corporate cards

Issue corporate cards sponsored by Visa or Mastercard to allow your businesses to be in control of their spend management. We support BIN-sponsorship, settlement with card networks and bring-your-own-processor model. 

Streamline bill payments for your business customers by offering lending installments

Offer installment lending through our lending offerings to allow your business customers to manage their cash flow.

Optimize your funds flow and operations by disbursing directly to your business customers

Disburse funds directly to business customers via ACH or wire. We work with you as you optimize your funds flow to account for different parties and fees involved in business lending transactions.

Consumer Payments

Enable your customers to send and receive funds domestically and internationally

Send and receive funds domestically or internationally

Transfer funds domestically or internationally (coming soon) utilizing ACH or Wire. We support programming updates on the status of your transfer, allowing you to take control and action on transfers.

Simplify your reconciliation of payments and deposits by setting up virtual accounts

Set up virtual accounts for your customers. Streamline your financial operations with the ability to assign, manage and control your virtual accounts and provide different payment rails.

Crypto

Provide on-ramps and off-ramps for your users to move funds between bank accounts and cryptocurrency wallets

Support on-ramps by setting up bank accounts and depositing fiat currency

Allow your users to convert fiat currency into cryptocurrency. Set up a FBO account for your users and use our payment rails to transfer funds in the account. You can assign a unique virtual account number to your users for automatic identification and reconciliation when funds are received. Once fiat funds are available in the users’ FBO accounts, allow your users to use the funds to purchase cryptocurrency.

Support off-ramps by transferring fiat currency to a bank account

Allow your users to transfer the fiat currency to the bank account once converted from cryptocurrency. Hold the fiat currency in the user's FBO accounts and transfer funds to the user’s account using Lead’s payment rails once cryptocurrency has been exchanged into fiat currency.