Crestmark Bank
Crestmark Bank is the commercial finance division of Pathward, N.A., an FDIC-insured national bank providing working capital, equipment finance, and structured finance to SMBs and enterprises, and operating the Crestmark Lending DSCR mortgage platform for real estate investors across 38 states.
- Company typePublic
- Founded1996
- HeadquartersTroy, United States
- Headcount251–500
- GTM typeB2B
- OfferingServices
What Crestmark Bank does
Crestmark Bank is the commercial finance division of Pathward, N.A., a federally registered, FDIC-insured national bank headquartered in Sioux Falls, South Dakota. Founded in 1996 and operating with 251-500 employees, the business provides commercial financing solutions—working capital, equipment finance, and structured finance—to SMB and enterprise customers through both direct sales and the digital ccweb.crestmark.com portal. In May 2026, the firm extended its platform with Crestmark Lending, a nationwide DSCR mortgage brokering platform connecting real estate investors with over 20 wholesale lending partners across 38 states, addressing a market segment underserved by traditional mortgage lenders.
The business model combines balance-sheet and partner-enabled lending: Pathward's banking infrastructure underwrites direct commercial loans, while the DSCR platform monetizes via brokered transactions routed through wholesale lender counterparties. Revenue mechanics rely on quote-based, custom-priced commercial finance arrangements and partner-driven transaction flow, with pricing not publicly disclosed. Customer segmentation is vertical, separating SMB/enterprise borrowers from real estate investors; go-to-market relies on field/enterprise direct sales plus third-party partner programs (issuing, acquiring, digital payments, financial institution solutions, credit solutions, professional tax solutions) delivered through Pathward.
Underlying technology is not detailed in the available sources; core technology is unspecified, and there is no disclosed proprietary AI/ML or data flywheel component. The competitive position rests on regulatory status (FDIC-insured, federally chartered), a multi-lender wholesale distribution network, and institutional credibility demonstrated by KBW's 2026 Bank Honor Roll placement and ABF Journal's 2026 Icons recognition of Managing Director Matt Dekutoski.
Crestmark Bank firmographics
Firmographics- Name
- Crestmark Bank
- Legal name
- Pathward, N.A.
- Website
- https://crestmark.com
- Company type
- Public
- Founded year
- 1996
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Crestmark Bank is the commercial finance division of Pathward, N.A., an FDIC-insured national bank providing working capital, equipment finance, and structured finance to SMBs and enterprises, and operating the Crestmark Lending DSCR mortgage platform for real estate investors across 38 states.
- Ownership category
- akta.pro rank
Crestmark Bank industry classification
Industry- Product category
- Commercial Banking & Finance
- NAICS
- Commercial Banking (52211), Commercial Banking (522110), Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- National Commercial Banks (6021), Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)
- akta.pro primary industry
- BaaS Platforms & Sponsor Bank Enablement (FSAGALAA)
- akta.pro secondary industries
- Balance-Sheet / Portfolio CRE Lending (FSALADAG), Commercial Mortgage Brokerage (FSAEAEAB), SME Commercial Real Estate (CRE) Lending (FSABABAG)
Keywords
Where Crestmark Bank is headquartered
LocationHeadquarters
- HQ city
- Troy
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Crestmark Bank business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain
Revenue model
- Commercial Finance Services: Provides commercial financing solutions including equipment finance, working capital, and structured finance to businesses. Operates as part of Pathward's commercial finance offerings.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Commercial financing services with customized arrangements |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels2 records
Crestmark Bank product offering
Product offeringCore offering
Crestmark Bank operates as the commercial finance division of Pathward, N.A., providing working capital loans, equipment finance, and structured finance solutions to small and medium-sized businesses. Through its Crestmark Lending platform, the company also operates a nationwide DSCR (Debt Service Coverage Ratio) mortgage brokering service that connects real estate investors with over 20 wholesale lending partners across 38 states.
Product overview
Crestmark Bank offers commercial financing solutions and operates Crestmark Lending, a DSCR mortgage brokering platform. The Commercial Finance division (ccweb.crestmark.com) provides financing services to businesses, while the recently launched Nationwide DSCR Platform focuses on connecting real estate investors with wholesale lending partners for investment property financing across 38 states.
Differentiator
Problem solved
Functional benefit
Products and services
- Working Capital Financing Working capital loan solutions for businesses needing funds to support business growth, accessed via the Crestmark commercial financing portal (ccweb.crestmark.com).
- Equipment Finance Financing solutions for businesses to acquire equipment and machinery, provided through the Crestmark commercial financing portal.
- Structured Finance Customized structured finance solutions for businesses requiring complex commercial financing arrangements.
- Nationwide DSCR Platform (Crestmark Lending) A nationwide mortgage brokering platform that connects real estate investors with over 20 wholesale lending partners for flexible, competitive-rate financing. Supports purchase and refinance transactions for single-family rentals, short-term rentals, and small multifamily properties.
Companies that use Crestmark Bank
Customer profileNamed customers2 records
Segments2 records
Ideal customer profiles2 records
Crestmark Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Crestmark Bank partnerships and signals
Strategic signalScale indicators3 records
Recent moves5 records
Expansion highlights5 records
Crestmark Bank competitors and assessment
Company assessmentDirect peers
- Pathward Financial: Pathward is the federally chartered national bank that owns and operates Crestmark Bank as its commercial finance division. Direct peer because Crestmark's commercial finance, partner solutions, and DSCR platform all run on Pathward's charter, infrastructure, and brand.
- Customers Bank: Customers Bank operates a comparable BaaS/sponsor-bank model through its Customers Bancorp division, including digital banking, commercial lending, and embedded finance partner programs — directly overlapping with Pathward/Crestmark's partner solutions and commercial finance franchises.
- Live Oak Bancshares: Live Oak Bank is a de novo national bank specializing in small-business lending across verticals (SBA, fintech partnerships). Comparable to Crestmark's SMB-focused working capital, equipment finance, and structured finance offerings.
- Cross River Bank: Cross River is a fintech-focused sponsor bank providing BaaS rails across lending, payments, and deposits. Direct peer to Pathward/Crestmark's partner solutions business (issuing, acquiring, digital payments, credit solutions).
- Sutton Bank: Sutton Bank is a federally chartered community bank that serves as a sponsor bank for fintech and prepaid programs. Comparable to Crestmark's partner solutions/issuing model within Pathward's BaaS framework.
Emerging players
- Coastal Community Bank: Coastal Community Bank is a Pacific Northwest community bank that operates a meaningful embedded-finance/BaaS division serving fintech partners. Comparable in niche BaaS focus, though smaller scale than Pathward/Crestmark.
- Piermont Bank: Piermont Bank is a New York-based commercial bank serving fintech and real estate sponsor clients with deposit, lending, and treasury solutions. Comparable to Crestmark on the SMB commercial finance and fintech-bank overlap.
- Thread Bank: Thread Bank is a fintech-focused sponsor bank providing BaaS services including embedded deposit accounts, lending, and payments — directly comparable to Pathward/Crestmark's partner solutions verticals.
Broad incumbents
- Ares Commercial Real Estate: Ares Commercial Real Estate is a specialty finance company focused on CRE lending and structured finance. Broadly comparable to Crestmark's structured finance division and CRE exposure, though Ares operates as a non-bank finance company.
- Newtek Business Services:
Market position
Strengths1 record
Weaknesses2 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Crestmark Bank social profiles
Digital presenceCrestmark Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Crestmark Bank leadership team
Management profileNumber of profiles
Profiles13 records
Crestmark Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Crestmark Bank M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Crestmark Bank
What does Crestmark Bank do?
Crestmark Bank operates as the commercial finance division of Pathward, N.A., providing working capital loans, equipment finance, and structured finance solutions to small and medium-sized businesses. Through its Crestmark Lending platform, the company also operates a nationwide DSCR (Debt Service Coverage Ratio) mortgage brokering service that connects real estate investors with over 20 wholesale lending partners across 38 states.
Is Crestmark Bank a public or private company?
Crestmark Bank is a public company. It is classified as corporate owned and is currently operating.
When was Crestmark Bank founded?
Crestmark Bank was founded in 1996. It employs 251 to 500 people.
Where is Crestmark Bank based?
Crestmark Bank is headquartered in Troy, United States, in the North America region.
How does Crestmark Bank make money?
One revenue line is on record: commercial Finance Services.
Who are Crestmark Bank's main competitors?
Direct peers on record are Pathward Financial, Customers Bank, Live Oak Bancshares, Cross River Bank and Sutton Bank. Emerging players are Coastal Community Bank, Piermont Bank and Thread Bank. Broad incumbents are Ares Commercial Real Estate and Newtek Business Services.
Does Crestmark Bank have an API?
No public API is recorded for Crestmark Bank.
What industry is Crestmark Bank in?
Crestmark Bank's product category is Commercial Banking & Finance. Its primary akta.pro industry code is FSAGALAA, BaaS Platforms & Sponsor Bank Enablement, with a secondary code of FSALADAG, Balance-Sheet / Portfolio CRE Lending. Its NAICS code is 52211 and its SIC code is 6021.