WebBank

WebBank is a Utah-chartered Industrial Bank that operates on a business-to-business-to-consumer (B2B2C) model, positioning itself as "The Bank Behind the Brand®." The bank partners with various companies, including fintech platforms, retailers, and manufacturers, to enable them to offer credit products to their own customers. WebBank's core business involves originating and funding a wide range of consumer and commercial credit products.

Its services are delivered through these strategic partnerships, allowing its partners to embed financial products like consumer loans, credit cards, private-label cards, and auto-refinancing directly into their platforms. By managing the banking and compliance aspects, WebBank allows its partners to focus on their core business and customer relationships. The bank makes money through the interest and fees generated from the loans and credit products it underwrites and holds on its balance sheet. It serves a diverse market, from individual consumers and small businesses seeking credit to the fintech and retail companies that act as the distribution channels.

Keywords: B2B2C lending, partner banking, industrial bank, consumer credit, commercial credit, private-label cards, loan origination, fintech enablement, embedded finance, bank-as-a-service