Cross River Bank

Cross River Bank is an FDIC-insured commercial bank headquartered in Teaneck, NJ, lending nationally. It has built a distinct niche serving digital lenders and non-bank financial companies through lender finance solutions and warehouse funding — making it a less conventional fit for mainstream small businesses, but a potentially strong partner for fintech platforms and specialty lenders. For businesses with more traditional needs, Cross River also offers lines of credit, term loans, equipment finance, commercial real estate financing, and construction finance. Some complaints have been raised around federal tax refund transfer handling, so it's worth asking direct questions on servicing and communication before committing.