Pathward

Pathward is a national bank-chartered nonbank lender operating across the United States, offering small and medium-sized businesses access to a broad range of financing products. Its commercial finance arm covers equipment finance, working capital, term loans, lines of credit, commercial real estate financing, construction finance, SBA 7(a) loans, and USDA Business and Industry loans, with financing available up to $10 million. Pathward also runs a partner solutions business that provides banking infrastructure, payments, and credit solutions to third-party fintechs and financial services companies. No minimum credit score, revenue, or time-in-business requirements are publicly stated, which may make it worth exploring for businesses at earlier stages. Pathward was named to KBW's 2026 Bank Honor Roll, a positive institutional recognition signal. Given its dual-track model, businesses should confirm upfront which arm of Pathward handles their inquiry and what the relevant underwriting criteria are.