Programmatic Access to Point-of-Sale Consumer Credit.
LendStrm provides the origination and servicing infrastructure behind a bank-originated consumer loan program spanning home improvement and elective medical financing — built for asset managers and depository institutions evaluating the program.
Not Limited to a Single Balance Sheet
Most point-of-sale financing gives a lender exactly one way to fund it — their own balance sheet. LendStrm gives program lenders that same option, plus the choice to bring in capital markets when they want to scale beyond it.
- One lender originates and holds every loan, with no alternative funding path
- Growth is capped by that lender's own capital and risk appetite
- Credit risk concentrated entirely in a single balance sheet
- Scaling the book means growing that one lender's own capital base
- Program lenders keep the option to hold loans on their own balance sheet — that choice doesn't go away
- They can also open program volume to capital markets participants when they want to scale beyond it
- Funding can be diversified across asset managers and depository institutions, without giving up balance-sheet flexibility
- Growth isn't bottlenecked by any single institution's capital, because capital markets access is there when it's needed
From Point-of-Sale Application to Serviced Loan
The same origination and servicing lifecycle runs across every vertical on the platform.
Point-of-Sale Origination
Contractors and med spas in the network present financing directly in the sales or consultation conversation. Consumers apply on the spot, at the point of sale.
Real-Time Underwriting
Each application is decisioned in real time by the program lender — a federally insured bank or financial institution applying its own credit criteria.
Funding & Boarding
Approved loans are funded by the program lender and boarded onto the program's servicing infrastructure for ongoing administration.
Ongoing Servicing
The program lender's servicer manages payments and account servicing on the lender's behalf for the life of the loan.
Built on a Disclosed, Bank-Originated Model
LendStrm is a financial technology company, not a lender — every role in the program is disclosed and separated by design.
Diversified Origination
Two active verticals today — home improvement and elective medical financing — originating through a nationwide network of contractors and providers, with room to add verticals over time.
Compliance-First Structure
Loans are made and held by federally insured, federal or state chartered financial institutions. LendStrm is not a lender and does not make credit decisions.
Transparent Servicing
The program lender's servicer services every loan on the lender's behalf for the life of the account, providing a consistent servicing layer across the portfolio.
Backed by a Federally Insured Bank Partner
Program loans are originated and held by the following institution today, with additional lenders joining as the program scales.
Gulf Atlantic Bank
- Charter Type
- Florida State-Chartered Bank
- Membership
- Member FDIC
- FDIC Certificate #
- 59181
See the full Bank Partners page for complete regulatory details.
A Complete Electronic Record for Every Loan
Each program loan is documented and signed electronically, with its records available on request for diligence.
Single Authoritative Copy
One verified digital original per loan, so there is no ambiguity about which copy controls.
Audit-Ready Records
Loan documents are executed electronically in accordance with E-SIGN, with records available on demand for diligence.
Questions Institutional Partners Ask
LendStrm is a financial technology company that provides the origination and servicing support behind the program. LendStrm is not a lender and does not make credit decisions or set loan terms.
Program loans are made and held by federally insured, federal or state chartered financial institutions. A list of financial institutions currently providing loans through the program is available on our Bank Partners page.
The program lender's servicer services program loans on the lender's behalf for the life of the loan.
The program currently covers home improvement and elective medical financing, originated through contractors and providers in the LendStrm network. Talk to our team for the current state of the program and its roadmap.
Reach out through our Contact page and select "Institutional / Funding Partnership" — our team will follow up directly.
Interested in Learning More?
Our team can walk you through the program structure, current bank partners, and servicing arrangement in more detail.