SoFi Bank, National Association

SoFi Bank, National Association is a nationally chartered commercial bank headquartered in Cottonwood Heights, Utah, with its main office in Sacramento, CA. Operating across the United States, SoFi is best known as a digital-first consumer bank — offering personal loans, student loan refinancing, mortgages, deposit accounts, credit cards, and investment services. On the business side, it offers lines of credit, term loans, equipment finance, commercial real estate financing, and construction finance. Specific eligibility requirements, rates, and minimums aren't publicly detailed, so direct outreach is the best way to confirm whether your business qualifies. A good fit if you prefer a tech-forward banking experience and want consumer and commercial products under one roof.