LoanStreet

What LoanStreet does

LoanStreet is a New York-based fintech SaaS company founded in 2013 that operates a loan participation marketplace and management platform serving credit unions, community and regional banks, and private credit direct lenders across the United States, Canada, and Europe. The platform's four foundational modules — Marketplace, Servicing (covering commercial and corporate loan portfolios with covenant tracking and self-service workflows), Reporting (automated regulatory-compliant monthly investor reports including CECL compliance), and Analytics (IRR, prepayment, charge-off, and benchmark analysis) — address the buy/sell/manage lifecycle of loan participations and syndicated commercial loans. Technology is delivered as a multi-region cloud SaaS with AWS infrastructure (us-east-1, ca-central-1, eu-west-1), API and SFTP integrations, Auth0-based multi-factor authentication, and a 2026 strategic integration with Experian for predictive consumer credit analytics.

The company serves a broad customer spectrum ranging from institutions with under $400,000 in assets to those with over $60 billion, with more than 1,300 registered institutions on the platform. Revenue is generated through a hybrid model combining fixed transaction fees on loan participation sales, optional premium analytics subscriptions, and reporting/servicing fees. Go-to-market is also hybrid: free self-service registration with no obligation paired with a dedicated enterprise field sales team for onboarding, portfolio setup, and bespoke Forward Flow or Reverse Inquiry structures. The Forward Flow program connects credit unions with over 20 FinTech originators across auto, solar, home improvement, equipment financing, and powersports categories, with documented flows such as Georgia's Own Credit Union's planned ~$100M in Octane-originated powersports loans for 2025. The company has raised $39 million in institutional capital across four rounds (2016–2022), most recently a $25 million Series B led by fintech-focused Portage Ventures in February 2022, and operates as an independent entity without parent company control. Leadership is a mix of fintech operators and veterans from Cravath, Citigroup, Fortress, JPMorgan, FIS, Time Inc., and WilmerHale.

Name

LoanStreet

Legal name

LoanStreet Inc.

Website

https://loan-street.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

101–250 employees

Short description

LoanStreet is a SaaS loan participation marketplace and management platform that enables credit unions, banks, and direct lenders to buy, sell, service, report on, and analyze consumer and commercial loan portfolios across the US, Canada, and Europe.

Ownership category

akta.pro rank

Product category

Loan Participation Platform

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163)

akta.pro primary industry

Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching) (FSAGAHAL)

akta.pro secondary industries

P2P Loan Syndication & Participation Platforms (FSAKAHAL), Loan Servicing Platforms (Billing, Statements, Customer Self-Service) (FSAGAHAH)

Keywords

• Loan participation platform
• Loan syndication marketplace
• Commercial loan servicing
• Credit union lending
• Loan portfolio analytics

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Transaction Fees - Loan Participation Sales: Fixed, flat fee structure for loan participation sales. Sellers pay transaction fees when selling loan participations through the platform.
2. Premium Analytics Services: Optional premium analytics services available as add-on subscriptions for enhanced portfolio performance tracking and analysis.
3. Reporting Services: Transaction servicing fees and reporting costs for automated investor reporting and remittance services.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels7 records

Core offering

LoanStreet operates an online loan participation marketplace that connects buyers and sellers of consumer and commercial loan pools for trading, servicing, reporting, and analytics. The platform enables financial institutions to discover, price, execute, and report on loan participations under a standardized master agreement, with integrated commercial loan servicing and Experian-powered portfolio analytics. It serves credit unions, community banks, direct lenders, and fintech originators across the US, Canada, and Europe.

Product overview

LoanStreet is a unified, platform-plus-modules architecture centered on its core Marketplace — the leading online loan participation platform connecting buyers and sellers of consumer and commercial loans. The platform's four foundational modules are: Marketplace (for discovering, pricing, and executing loan trades), Servicing (covering both Commercial Loan Servicing and Corporate Loan Servicing for bilateral and syndicated portfolios), Reporting (automated regulatory-compliant monthly investor reports, including a dedicated CECL module), and Analytics (leveraging an Experian data integration to deliver IRR analysis, prepayment tracking, charge-off monitoring, and portfolio-level performance reporting, with a Performance Analytics submodule for advanced scenario analysis and amortization tools). Supplementary modules include Forward Flow (fintech originator partnership program with 20+ partners) and the PPP Solution (SBA Paycheck Protection Program support). The platform serves credit unions, banks, and direct lenders across the US, Canada, and Europe.

Differentiator

Problem solved

Functional benefit

Products and services

• Marketplace The leading online loan participation marketplace enabling balance sheet managers at credit unions, banks, and direct lenders to view, buy, and sell consumer loan pools and commercial loans. Provides deal discovery, due diligence, deal closing, and post-closing reporting under a standardized master agreement framework.
• Commercial and Corporate Loan Servicing A secure, cloud-based platform for credit unions, banks, and direct lenders to record and service bilateral and syndicated commercial and corporate loan portfolios through automated workflows, covenant tracking, and a centralized self-service portal.
• Reporting Automated delivery of consolidated, regulatory-compliant monthly investor reports for consumer and commercial loan participations and whole loans, covering accounting entries, regulatory entries, and financial performance reporting.
• Analytics Analytics suite leveraging Experian data integration to deliver loan portfolio insight, including IRR and scenario analysis, prepayment calculations, benchmark comparisons, cumulative charge-off rates, trend analysis, pool and asset-level performance reports, income analysis, and income ratios.
• Performance Analytics Advanced analytics module that evaluates rate of return for loans and third-party investments, tracks prepayment speeds, forecasts principal repayment cashflows, and generates exportable performance and risk reports including premium amortization tools and investment expectation analysis.
• CECL Reporting Solution A Current Expected Credit Loss reporting tool for loan participations that enables credit unions to analyze participations in compliance with the CECL accounting standard, supporting reserve analysis informed by prepayment, charge-off, and delinquency metrics.
• PPP Solution A specialized platform module supporting SBA Paycheck Protection Program loans, originally launched in 2020 to help lenders process PPP loans during the COVID-19 pandemic.
• Forward Flow Program A fintech originator partnership program facilitating forward flow arrangements between credit unions and experienced fintech loan originators, enabling credit unions to purchase high-quality consumer and commercial loans on an ongoing basis across more than 20 fintech partners.

Quantifiable outcome

• Manual reporting processes reduced from days/weeks to hours through automation
• +1 more outcomes

Named customers13 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature6 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• ExperiancoreTechnology or Integration · 13 March 2026Strategic collaboration integrating Experian's industry-leading consumer credit data and predictive analytics into the LoanStreet platform. This integration brings Experian's best-in-class predictive analytics to improve balance sheet management for credit unions, enabling portfolio monitoring, enhanced risk assessment, and streamlined compliance reporting.
• Octane LendingcoreStrategic or Co-development Partner · 26 June 2025FinTech partnership for powersports lending. Octane originated loans are purchased by Georgia's Own Credit Union, with LoanStreet facilitating participation opportunities for other credit unions. Georgia's Own purchased $37 million in Octane loans in January 2025 under the forward-flow structure.
• Georgia's Own Credit UnioncoreStrategic or Co-development Partner · 30 January 2025Forward-flow partnership where Georgia's Own purchases Octane loans and makes participation opportunities available to other credit unions through LoanStreet's platform. Georgia's Own expected to purchase nearly $100 million in Octane's loans in 2025.
• Roadrunner FinancialminorStrategic or Co-development Partner · 30 January 2025Octane's in-house lender that originates fixed-rate installment powersports loans aligned with Georgia's Own's risk criteria under the forward-flow partnership.
• 20+ FinTech Originators (Forward Flow Program)coreStrategic or Co-development PartnerLoanStreet's forward flow program connects credit unions with over 20 FinTech partners originating various consumer and commercial loan products including auto, solar, home improvement, equipment financing, and more.
• NASCUSminorGTM or Marketing PartnerPartnership with NASCUS (National Association of State Credit Union Supervisors) for educational webinars and industry content distribution on loan participation best practices.
• Metro Credit UnionminorOthersMetro Credit Union implemented LoanStreet's automated reporting solution, migrating from legacy spreadsheet-driven processes to centralized data ingestion and remittance reporting.
• ModernFi CUSOminorStrategic or Co-development PartnerPartnership discussing balancing loan and deposit growth strategies for credit unions.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• nCino: Cloud-based commercial lending platform serving banks and credit unions with loan origination, portfolio management, and analytics workflows. Overlaps with LoanStreet's commercial loan servicing and reporting modules in addressing the same regulated institutional lending market.
• Abrigo: Banking software provider serving community banks and credit unions with loan portfolio management, ALM, and compliance tools. Directly comparable to LoanStreet's reporting, analytics, and balance sheet management offerings for the same institutional buyer.
• Lendio: Small business loan marketplace aggregating lenders and borrowers across multiple credit products. Comparable to LoanStreet's marketplace model of intermediating loan transactions between institutional counterparties.
• Biz2Credit: Online lending marketplace connecting small businesses with banks and alternative lenders. Comparable as a fintech marketplace that facilitates loan matching between borrowers and institutional capital providers.
• IntraFi: Network that enables banks and credit unions to place and receive deposits across institutions through reciprocal arrangements (CDARs, ICS). Operates a regulated institutional network model conceptually similar to LoanStreet's loan participation marketplace.

Emerging players

• Upstart: AI-driven lending marketplace that matches consumer loan applicants with bank partners and institutional investors. Comparable as a marketplace/platform business sitting between originators and institutional capital, though consumer-focused rather than B2B participations.
• LendingClub: Online lending marketplace that originated peer-to-peer consumer loans and now operates as a digital bank. Comparable as an early marketplace lending platform that created infrastructure for institutional loan participation, though LoanStreet operates further upstream in B2B loan trading.
• Funding Circle: Global small business lending platform operating a marketplace connecting SMB borrowers with institutional investors. Comparable as a fintech operating a loan marketplace with institutional investor participation, though focused on origination rather than secondary trading.

Broad incumbents

• Q2: Provider of digital banking and lending solutions to community banks and credit unions. Comparable as an incumbent banking technology vendor serving LoanStreet's target customer base with adjacent loan portfolio and analytics capabilities.
• FIS (Commercial Lending): Large-scale banking technology vendor with a commercial lending business unit offering loan servicing and origination platforms. Comparable as a broad incumbent whose commercial lending portfolio overlaps with LoanStreet's servicing product (notably, LoanStreet's VP of Product previously led product at FIS commercial lending).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/3513445
• Xx.com/LoanStreetUS

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds4 records

Investors12 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about LoanStreet