Loan Origination

Flexible lending solutions for modern businesses

Unlock the full potential of your lending program with Coastal’s proven experience and clear, transparent processes. Our flexible lending solutions streamline applications, underwriting, funding, servicing, and securitization, helping you grow with confidence.

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# {

"amount_cents": 150000,

"wire_instructions": "Invoice #A12345, due 2025-10-31",

"originator": {

"name": "Coastal Partner FBO Example",

"account_number": "123456789",

"address": {

"line1": "123 Main Street",

"city": "Everett",

"state": "WA",

"zip": "98201"

}

},

"intermediary_bank": {

"name": "InterBank Trust Co.",

"routing_number": "021000021",

"account_number": "987654321",

"address": {

"line1": "1 Federal Plaza",

"city": "New York",

"state": "NY",

"zip": "10004"

}

},

"beneficiary": {

"name": "ABC Supply LLC",

"routing_number": "111000025",

"account_number": "876543210",

"address": {

"line1": "250 Commerce Blvd",

"city": "Dallas",

"state": "TX",

"zip": "75201"

}

}

}

Balance

Term

Interest rate

$907

12 months

6.8%

LOAN 01313

PAID

Products

Programs

Company

News

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Products

Programs

Company

News

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A complete lending operation

Coastal’s lending platform covers the full lifecycle of your credit products. From digital origination and underwriting to funding, compliance, and portfolio management, our AI-enabled tools help you operate efficiently, accurately, and compliantly.

Digital Origination & Onboarding

Streamline applications, KYC verification, and credit scoring for faster, more accurate lending decisions.

Digital Origination & Onboarding

Streamline applications, KYC verification, and credit scoring for faster, more accurate lending decisions.

Digital Origination & Onboarding

Streamline applications, KYC verification, and credit scoring for faster, more accurate lending decisions.

Underwriting & Risk Validation

Automate credit and fraud checks using AI-driven models for reliable, compliant approvals.

Underwriting & Risk Validation

Automate credit and fraud checks using AI-driven models for reliable, compliant approvals.

Underwriting & Risk Validation

Automate credit and fraud checks using AI-driven models for reliable, compliant approvals.

Compliance Oversight

Ensure adherence to KYC, AML, consumer protection, and fair lending regulations across jurisdictions.

Compliance Oversight

Ensure adherence to KYC, AML, consumer protection, and fair lending regulations across jurisdictions.

Compliance Oversight

Ensure adherence to KYC, AML, consumer protection, and fair lending regulations across jurisdictions.

Funding & Disbursement

Deliver loans efficiently through integrated payment rails, ACH, and digital wallets.

Funding & Disbursement

Deliver loans efficiently through integrated payment rails, ACH, and digital wallets.

Funding & Disbursement

Deliver loans efficiently through integrated payment rails, ACH, and digital wallets.

Portfolio & Liquidity Management

Monitor loan performance, manage balance sheets, and optimize asset portfolios.

Portfolio & Liquidity Management

Monitor loan performance, manage balance sheets, and optimize asset portfolios.

Portfolio & Liquidity Management

Monitor loan performance, manage balance sheets, and optimize asset portfolios.

API-First Integration

Connect easily with third-party services, data providers, and compliance partners.

API-First Integration

Connect easily with third-party services, data providers, and compliance partners.

API-First Integration

Connect easily with third-party services, data providers, and compliance partners.

“Executive collaboration with Coastal has been outstanding. The team is creative, solution-oriented, and genuinely thoughtful. They’re smart, hardworking, and truly a joy to work with day to day.”

Kate Handley, Director of Strategic Partnerships

“Executive collaboration with Coastal has been outstanding. The team is creative, solution-oriented, and genuinely thoughtful. They’re smart, hardworking, and truly a joy to work with day to day.”

Kate Handley, Director of Strategic Partnerships

“Executive collaboration with Coastal has been outstanding. The team is creative, solution-oriented, and genuinely thoughtful. They’re smart, hardworking, and truly a joy to work with day to day.”

Kate Handley, Director of Strategic Partnerships

Fintech creativity with regulatory precision.

Coastal blends fintech innovation with banking expertise to deliver flexible, compliant solutions built around your product and customers.

$4.48 Billion

in assets

$3.93 Billion

in deposits

99.99%

platform uptime

Fintech creativity with regulatory precision.

Coastal blends fintech innovation with banking expertise to deliver flexible, compliant solutions built around your product and customers.

$4.48 Billion

in assets

$3.93 Billion

in deposits

99.99%

platform uptime

Fintech creativity with regulatory precision.

Coastal blends fintech innovation with banking expertise to deliver flexible, compliant solutions built around your product and customers.

$4.48 Billion

in assets

$3.93 Billion

in deposits

99.99%

platform uptime

Learn what’s possible with Coastal

Deposits

Offer FDIC-insured accounts that are secure, compliant, and ready to launch.

Bank Accounts

Cards

Issue debit or credit products under your own brand with BIN-level control and instant scalability.

Debit Cards

Prepaid Cards

Credit Cards

Payments

Move money instantly via ACH, wires, cards, FedNow®, RTP®, and more—right out of the box.

ACH Payments

Wire Transfers

FedNow®

Instant Payments

Debit Rails

Credit & Lending

Streamline origination, financing, and loan purchasing in a single workflow

Loan Origination

Digital Lending

Learn what’s possible with Coastal

Deposits

Offer FDIC-insured accounts that are secure, compliant, and ready to launch.

Bank Accounts

Cards

Issue debit or credit products under your own brand with BIN-level control and instant scalability.

Debit Cards

Prepaid Cards

Credit Cards

Payments

Move money instantly via ACH, wires, cards, FedNow®, RTP®, and more—right out of the box.

ACH Payments

Wire Transfers

FedNow®

Instant Payments

Debit Rails

Credit & Lending

Streamline origination, financing, and loan purchasing in a single workflow

Loan Origination

Digital Lending

Learn what’s possible with Coastal

Deposits

Offer FDIC-insured accounts that are secure, compliant, and ready to launch.

Bank Accounts

Cards

Issue debit or credit products under your own brand with BIN-level control and instant scalability.

Debit Cards

Prepaid Cards

Credit Cards

Payments

Move money instantly via ACH, wires, cards, FedNow®, RTP®, and more—right out of the box.

ACH Payments

Wire Transfers

FedNow®

Instant Payments

Debit Rails

Credit & Lending

Streamline origination, financing, and loan purchasing in a single workflow

Loan Origination

Digital Lending

Frequently Asked Questions

How do we handle loan disbursal and repayment?

How do we manage loan servicing after origination?

How can we ensure scalability in their loan origination process?

What regulatory and compliance considerations are involved?

What is loan origination, and why is it important?

What should we consider when automating our loan origination process?

Frequently Asked Questions

How do we handle loan disbursal and repayment?

How do we manage loan servicing after origination?

How can we ensure scalability in their loan origination process?

What regulatory and compliance considerations are involved?

What is loan origination, and why is it important?

What should we consider when automating our loan origination process?

Frequently Asked Questions

How do we handle loan disbursal and repayment?

How do we manage loan servicing after origination?

How can we ensure scalability in their loan origination process?

What regulatory and compliance considerations are involved?

What is loan origination, and why is it important?

What should we consider when automating our loan origination process?

Ready to launch your next financial product?

Your customers expect speed, reliability, and innovation—and your team deserves a platform that can deliver. With Coastal, you get enterprise-grade banking infrastructure that’s compliant, scalable, and developer-ready, so you can focus on building, launching, and growing products your users will love.

Get in Touch

Ready to launch your next financial product?

Your customers expect speed, reliability, and innovation—and your team deserves a platform that can deliver. With Coastal, you get enterprise-grade banking infrastructure that’s compliant, scalable, and developer-ready, so you can focus on building, launching, and growing products your users will love.

Get in Touch

Ready to launch your next financial product?

Your customers expect speed, reliability, and innovation—and your team deserves a platform that can deliver. With Coastal, you get enterprise-grade banking infrastructure that’s compliant, scalable, and developer-ready, so you can focus on building, launching, and growing products your users will love.

Get in Touch

Modern banking infrastructure, built for scale and innovation.

About

Company

Careers

Programs

News

Legal

Terms of Use

Privacy Center

California Privacy Notice

Have a question?

commercial@coastalbank.com

Partner Customer Support

customerservice@coastalbank.com

425-257-9000

NMLS

#462289

Modern banking infrastructure, built for scale and innovation.

About

Company

Careers

Programs

News

Legal

Terms of Use

Privacy Center

California Privacy Notice

Have a question?

commercial@coastalbank.com

Partner Customer Support

customerservice@coastalbank.com

425-257-9000

NMLS

#462289

Modern banking infrastructure, built for scale and innovation.

About

Company

Careers

Programs

News

Legal

Terms of Use

Privacy Center

California Privacy Notice

Have a question?

commercial@coastalbank.com

Partner Customer Support

customerservice@coastalbank.com

425-257-9000

NMLS

#462289