Integrated credit & payments capabilities

With lending, servicing, and recovery connected, we reduce blind spots and provide real-time feedback loops.

We power access to credit

Flexible lending solutions designed to expand access while maintaining strong underwriting and portfolio performance.

Merrick Bank
Credit cards

General-purpose credit cards designed for consumers building or strengthening their credit.
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Merrick Bank
Secured credit cards

Flexible credit cards that expand access to the financial system for those who are new to or rebuilding credit.
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Merrick Bank
Recreational loans

Specialty financing across marine, RV, powersports and trailer markets, working with dealers across the U.S.
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End-to-end servicing, recovery, and partnership capabilities that help lenders manage complexity and deliver consistent results.

CardWorks Servicing
Card and loan servicing

End-to-end servicing for complex credit portfolios, combining deep platform expertise with operational scale to support your program.
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Carson Smithfield
Charged-off debt servicing

Expert charged off debt management and placement with regulatory rigor, long-term value, and respect for debtors in mind.
Merrick Bank
Bank origination partnerships

Collaborative partnerships supported by underwriting discipline, operational infrastructure, and the experience needed to scale credit programs.
Merrick Bank
Loan flow purchases or partnerships

Flexible structures to acquire or support loan portfolios, backed by diligent credit evaluation and ongoing portfolio oversight.

Integrated payment solutions that enable merchants and platforms to scale within a compliant, risk-managed framework.

Merrick Bank
ISO bank sponsorship

Bank sponsorship that helps payment programs to scale within a compliant, risk-managed framework.
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Merrick Bank
Payment facilitators and ISVs

Support for payment facilitators and platforms operating in complex merchant environments.
Our Approach
Merrick Bank
Pay by text

Flexible payment options designed to improve customer engagement and repayment solutions.
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FDIC-insured deposit products that support a diversified funding base and long-term growth.

Merrick Bank
High yield CDs

Competitive certificate of deposit products designed to support stability, consistent, and financial strength.
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