A short list, on purpose.
Stitch builds the products a small business expects from its bank and runs them under your brand, with a charter, compliance, and every partner behind us, managed by us.
We’re early. One product is live, the next is in build, and the list will keep growing, one product at a time. We would rather do one thing properly than launch six we cannot stand behind.
Working capital business lending
Term loans and lines of credit from $10K to $500K, with cash-flow-based underwriting and funding in days, not weeks. White-labeled or cobranded, with no new platform for your team to build.
Business card
A purchase / spend management / charge card for the businesses you already bank, with spend controls and accounting sync built in. To be issued and operated by Stitch Bank.
Funding in days, not weeks. Happy customers, happy bankers.
Term loans and lines of credit your customers can qualify for without extensive collateral. This is the first product on the Stitch stack. The first of many.
For your customers
- Flexible collateral requirements
- Apply online in minutes, from any device
- Real-time decisioning
- Funding in days, not weeks, for complete applications
- No prepayment penalty
For your bank
- Cobranded or fully white-labeled application
- Real-time reporting to track performance
- New fee revenue with no added credit risk on your balance sheet
- An expanded offering with exceptional customer experience
- Loan proceeds can be deposited at your institution
The details
- Loan sizes
- $10K to $500K
- Working capital sized to what small businesses ask for.
- Term loans
- Up to 5 years
- Fixed-term financing with predictable monthly or semi-monthly payments.
- Lines of credit
- 12 to 18 months
- Capital your customers can draw on as needs come up.
- Underwriting
- Cash-flow-based
- Approvals driven by cash flows and ability to pay.
- Speed
- Within days
- Real-time decisioning, with money out the door in days for complete, approved applications.
Let’s talk about what your bank could offer next.
Tell us about your institution and the customers you are having to turn away. We will show you what you could be offering under your own brand.