Debt Financing

Grow your lending program more efficiently with Column capital, whether you are at scale or on your way.

Utilize bank credit to free up your equity capital

Experience

The Column team has worked at the world's largest banks and investment firms, underwriting and funding billions of dollars of loans to fintech lenders.

Technology

No more trading excel spreadsheets over email. We'll work with you to build out integrated reporting, allowing you to save time and money managing your finances.

Flexible

As your business grows, your needs may change. Financing with Column means your loan can evolve with your business.

Speed to market

We will not waste your time with a lengthy and opaque process. We understand the requirements and upfront needs necessary to close quickly.

Fund same-day

Reduce working capital needs with integrations that can enable you to fund as frequently as same day.

Transparent

With straightforward fees, simplified structures, and shorter credit agreements to avoid confusion, debt from Column is a help, not a hindrance.

Day 1 Line

We can support your very first loan. Get a commitment fast to launch your lending program.

What is Day 1 line?

• Committed funding in days
• Lower upfront fees
• Clear terms
• Draw only what you need
• Minimal financial covenants for maximum freedom

Who is a Day 1 line for?

• Companies that have just started originating and are building a credit program
• Companies that don't have a long track record originating
• Want to close financing on a compressed timeline
• Small teams looking for minimal operational overhead

Warehouse Financing

Set up a scalable lending facility with competitive and flexible terms to free up capital and accelerate your originations growth.

What is Warehouse Financing?

• Committed funding
• Typically non-recourse financing
• Competitive interest rates and fees
• Draw only what you need
• Custom terms based on deep understanding of your portfolio, business, and financing goals

Who is a Warehouse Financing for?

• Have an established track record and a meaningful outstanding portfolio balance
• Stable historical performance
• Focused on optimizing your capital structure

We know the ecosystem very well and Column provides the speed, flexible account model and API-first approach that no one else can. These aspects are essential to building certain products that power our customers’ growth.

Henrique Dubugras
Co-Founder and Co-CEO, Brex

Infrastructure products built for developers in the lightest format possible

ACH

Originate ACH credits and debits with a single API request. Utilize all five settlement windows, configure every NACHA option and control every step.

Wire

Transfer funds immediately to any bank account through FedWire via API. Receive domestic and international wires with instant updates and all the raw data.

Book Transfers

When you own both accounts at Column, transfers are real-time every second of the day.

Ledger

Ledger each transaction automatically onto our system of record. Complete visibility and full banking functionality with the ease of an API.

Bank Accounts

Spin up programmable and scalable FDIC insured bank accounts for your customers in one API call. All from our robust, easy to use developer platform.

Card Programs

Build a customized card program that fits your stage. With a dedicated BIN and the choice of issuing processors, you maintain control.

Checks

Take full control of the end to end check flows. From RDC to checkbooks to positive-pay, we allow you to build your optimal check flow and own the entire process.

Realtime

New real-time payment rails from The Clearing House and Federal Reserve. Instant, transparent, and available 24/7/365.

International Wires

Direct access to Swift and international routing. Send money to over 180 countries in a single API call — with full transparency.

Lending products for companies to scale lending programs faster and cheaper

Loan Origination

Build a modern national lending program in partnership with Column.

Debt Financing

Grow your lending program more efficiently with Column capital, whether you are at scale or on your way.

Loan Purchase

Programmatically sell the loans you originate to Column.

Start building today

Build your own products, on your terms, without layers in between.