Cross River is a financial services brand that aims to provide responsible and affordable credit to businesses and consumers. Established in 2008 during the aftermath of the Great Recession, Cross River recognized the need for accessible banking services and loans as traditional banks closed their doors. With a new bank charter and a commitment to financial inclusion, Cross River opened its doors to offer access to financial services.

As the brand grew, it formed valuable partnerships with third-party origination platforms like Affirm, Marlette, Rocket Loans, Upgrade, and Upstart. Cross River takes pride in its end-to-end loan origination and underwriting process, ensuring consumer protection and regulatory compliance. To enhance its offerings, Cross River developed its proprietary banking core called the Cross River Operating System (COS), which is designed to cater to the needs of its fintech banking partners.

The brand embraced technology by expanding its payment solutions and developing an API-based core to provide partners with a full suite of banking offerings. During the COVID-19 pandemic, Cross River demonstrated its agility and commitment to small businesses by becoming the second-largest lender in the country through the U. S.

Small Business Administration's Paycheck Protection Program (PPP). By leveraging its capabilities, Cross River provided forgivable loans to over 480,000 small businesses, saving more than 1. 4 million jobs.

With a focus on innovation and compliance, Cross River combines the trust and legacy of traditional banking with cutting-edge technology solutions. By redefining the banking industry, Cross River enables a new way of borrowing and transacting for all, ensuring trust, security, and consumer protection