Debt Financing
Fund loans
with bank capital
Grow your lending program more efficiently with Column capital, whether you are at scale or on your way.
Utilize bank credit to free up your equity capital
Experience
The Column team has worked at the world's largest banks and investment firms, underwriting and funding billions of dollars of loans to fintech lenders.
Technology
No more trading excel spreadsheets over email. We'll work with you to build out integrated reporting, allowing you to save time and money managing your finances.
Flexible
As your business grows, your needs may change. Financing with Column means your loan can evolve with your business.
Speed to market
We will not waste your time with a lengthy and opaque process. We understand the requirements and upfront needs necessary to close quickly.
Fund same-day
Reduce working capital needs with integrations that can enable you to fund as frequently as same day.
Transparent
With straightforward fees, simplified structures, and shorter credit agreements to avoid confusion, debt from Column is a help, not a hindrance.
Day 1 Line
We can support your very first loan. Get a commitment fast to launch your lending program.
What is Day 1 line?
Committed funding in days
Lower upfront fees
Clear terms
Draw only what you need
Minimal financial covenants for maximum freedom
Who is a Day 1 line for?
Companies that have just started originating and are building a credit program
Companies that don't have a long track record originating
Want to close financing on a compressed timeline
Small teams looking for minimal operational overhead
Warehouse Financing
Set up a scalable lending facility with competitive and flexible terms to free up capital and accelerate your originations growth.
What is Warehouse Financing?
Committed funding
Typically non-recourse financing
Competitive interest rates and fees
Draw only what you need
Custom terms based on deep understanding of your portfolio, business, and financing goals
Who is a Warehouse Financing for?
Have an established track record and a meaningful outstanding portfolio balance
Stable historical performance
Focused on optimizing your capital structure
We know the ecosystem very well and Column provides the speed, flexible account model and API-first approach that no one else can. These aspects are essential to building certain products that power our customers’ growth.
Infrastructure products built for
developers in the lightest format possible
ACH
Originate ACH credits and debits with a single API request. Utilize all five settlement windows, configure every NACHA option and control every step.
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Wire
Transfer funds immediately to any bank account through FedWire via API. Receive domestic and international wires with instant updates and all the raw data.
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Book Transfers
When you own both accounts at Column, transfers are real-time every second of the day.
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Ledger
Ledger each transaction automatically onto our system of record. Complete visibility and full banking functionality with the ease of an API.
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Bank Accounts
Spin up programmable and scalable FDIC insured bank accounts for your customers in one API call. All from our robust, easy to use developer platform.
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Card Programs
Build a customized card program that fits your stage. With a dedicated BIN and the choice of issuing processors, you maintain control.
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Checks
Take full control of the end to end check flows. From RDC to checkbooks to positive-pay, we allow you to build your optimal check flow and own the entire process.
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Realtime
New real-time payment rails from The Clearing House and Federal Reserve. Instant, transparent, and available 24/7/365.
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International Wires
Direct access to Swift and international routing. Send money to over 180 countries in a single API call — with full transparency.
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Stablecoins
Send, receive, and hold stablecoins just like any other payment rail. Fully interoperable with the dollar and every US payment rail — instant, 24/7.
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Card Issuing
Launch credit and debit programs on Visa and Mastercard with Column as the issuing bank, the issuer processor, and the capital. No third parties, no middleware.
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Global Banking
Issue US accounts and cards to people and businesses anywhere in the world — regardless of citizenship or location.
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Multicurrency
Receive, hold, and send euros, pounds, Canadian dollars, and more. Instant FX and local payment rails — on the same Column APIs you already use.
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Lending products for companies to scale lending programs faster and cheaper
Loan Origination
Build a modern national lending program in partnership with Column.
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Debt Financing
Grow your lending program more efficiently with Column capital, whether you are at scale or on your way.
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Loan Purchase
Programmatically sell the loans you originate to Column.
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Start building today
Build your own products, on your terms, without layers in between.