The engine driving financial progress
We’re a diversified consumer finance provider building ethical solutions across credit, lending, and the full customer lifecycle.
Vertically integrated. Built for performance.
Our vertically integrated platform is built for progress seekers—the market segment large financial institutions overlook. Across credit, lending, and full customer lifecycle, our team of experts powers financial progress for everyone.
Explore CapabilitiesOur companies
CardWorks Financial Group brings Merrick Bank, CardWorks Servicing, and Carson Smithfield together as one integrated enterprise.
Don Berman, Founder & Executive ChairmanEveryone deserves access to fair, clear, and convenient consumer credit.
Your everyday champion
In a world where finances define futures, we reimagine the starting line.
Through capital efficiency, regulatory excellence, and a bank charter advantage, we fuel financial progress.
Disciplined growth in complex markets
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Non-prime focused general purpose card issuer
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U.S. merchant acquirer
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In credit available to consumers today
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Accounts serviced
Regulatory integrity meets long-term growth
Backed by decades of proprietary data, rigorous risk management, and operational excellence, CardWorks Financial Group continuously prioritizes long-term customer value and growth governed by discipline.