Digital Lending
Best-in-class lending enablement — from application and origination to servicing, securitization, and sale — with a bank partner and compliance framework already in place.
What's included
Embedded application flows with KYC, underwriting rules, and bank-partner approval built in.
Revolving lines and installment products originated through Cross River Bank, Member FDIC.
Billing, autopay, collections workflows, and statements handled on our ledger.
Every repayment reports to the bureaus, so your lending product also builds credit.
Loan-level data and reporting designed for forward-flow and securitization partners.
Disclosures, Reg Z and Reg E error resolution, and state-by-state requirements maintained for you.
Why Upward
Most platforms that want to offer credit end up rebuilding the same stack: a bank partnership, a compliance program, a ledger, servicing, and reporting. Upward provides that stack as infrastructure so you can focus on the product your users actually see.
Launch a single product or a full suite — cards, credit builder, lending, and payments share one integration and one ledger.
Talk to our team about what you want to launch and we'll map it to the fastest path to market.