Loan Origination
Build a national
lending program
Lend funds nationally in partnership with Column.
Build a compliant lending program powered by our developer first APIs
API First
Originate and settle loans directly from our APIs. Never send spreadsheets again.
Program flexibility
Our experienced team can help you build a variety of customizable credit products.
Modern compliance
Our experienced and forward-thinking compliance team has helped scale dozens of modern programs.
Credit experience
Our team has years of experience evaluating complex loan portfolios at leading banks, investment firms, and fintechs.
Speed to market
Implementation at your pace with no surprises.
Transparent
We focus on providing a straightforward and transparent process that enables you to focus on building and scaling.
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.