Lending Solutions

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Innovative Credit Solutions, Built for Fintech

As part of our growing suite of sponsor bank services, Sunrise Banks is expanding into credit—with solutions designed to empower fintechs and deliver responsible, scalable access to credit products.

Secured Credit Card

A Responsible Entry Point to Credit

Sunrise Banks is actively building out its secured credit card capabilities—designed to support partners offering accessible, compliant credit products to underserved or emerging credit segments.

Whether you’re launching your first credit card product or expanding your portfolio, our secured credit infrastructure offers a safe and strategic way to grow.

Partner with Sunrise Banks to build and scale credit products with confidence. Let’s build the future of credit—securely, responsibly, and together.

Core Bank Impact Lending Solutions

Sunrise Banks is both a community bank and supports fintechs as a sponsor bank. This is a unique business model for a community bank that allows us to make more of an impact than we could only collecting deposits from the same community in which we lend.

Our loans, deposits, and fintech partnerships work together to create sustainable growth in through the following special purpose credit and impact financing programs:

New Markets Tax Credit (NMTC)

The NMTC program drives capital to economically distressed communities and in turn stimulates economic growth and revitalization for those same communities. It helps attract investment capital and provides small businesses, nonprofits and developers access to better financing rates and terms than typically available in traditional lending programs.

Net Zero Financing

Sunrise Banks offers net zero financing for commercial projects that reduce or avoid carbon emissions – including installing energy efficient upgrades to your existing commercial property. Net zero financing can qualify you for a lower interest rate.

Sunrise Banks Pathway2Home® ITIN Mortgage

Sunrise Banks Pathway2Home® mortgage program makes the goal of homeownership possible for people with Individual Tax Identification Numbers (ITIN). This means more families can achieve their dream of owning a home.

Credit Builder Loans

A good credit score is the first step toward financial empowerment. It’s one of the deciding factors when you look to buy a house, purchase a new car or get a new credit card. The Sunrise Bank Credit Builder Program can help you get a loan to build your credit score while establishing a strong payment history.

Get in Touch

Fintech Partnerships Contact

Notice: Please do not include confidential information such as account numbers or SSN in the form below.

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Lending Solutions