First Electronic Bank

First Electronic Bank is a Utah-chartered industrial bank headquartered in Salt Lake City, operating nationally for over 20 years. Its core model is acting as a sponsor bank for fintech partners, powering lending programs that span installment loans, credit cards, buy-now-pay-later products, and small business credit. For business borrowers, the bank lists equipment finance, construction finance, commercial real estate financing, lines of credit, and term loans among its offerings. Because much of its lending runs through fintech partnerships rather than direct channels, you may encounter First Electronic Bank as the originating institution behind a partner platform rather than as a lender you apply to directly. Confirm the engagement model upfront, and be aware that some borrowers have reported difficulty reaching the bank's team by phone or email.