Business account opening
Full KYB verification, instant virtual card issuance, and complete account access in a single session. The experience clients expect from a neobank, delivered by your institution.
DIGITAL BANKING & LENDING FOR FINANCIAL INSTITUTIONS
Open accounts.Issue cards.Fund loans. One seamless journey. Open accounts. Issue cards. Fund loans. One seamless journey.
Your clients expect to start on their phone, continue in your branch, and never repeat a step. Loquat delivers that experience. Consumer and business accounts opened in under ten minutes — across any channel. Virtual card to digital wallets before the journey ends. Light IT lift. You can go live in just a few weeks.
PRODUCT CAPABILITIES
Everything yourclients need.Everything yourteam needs. Everything your clients need. Everything your team needs. One integration.
Most point solutions address a single lane — account opening, or lending, or card issuance in isolation. None activates all four product lanes simultaneously. Loquat does — co-branded to your institution's identity and calibrated to your risk framework.
Consumer account opening
Mobile-first, KYC-verified onboarding with card added to digital wallets within the same session. The quality of this first interaction determines whether a client stays.
Cards & payments
Virtual and physical card issuance with real-time spend controls, Visa partnership, and instant digital wallet provisioning — managed through a single dashboard.
Digital lending
AI-powered underwriting calibrated to your institution's own credit policies — not industry averages. Instant decisioning, automated BSA/AML filing, and same-day disbursement on execution.
CALM Portal
Real-time operational dashboard for executives and compliance officers. Application pipeline, client lifecycle, exception routing, and regulatory-ready reporting — updated automatically across all product lanes.
Loquat IQ
Plain-language queries answered from your institution's own data in under ten seconds. Portfolio health, underwriting performance, fraud patterns, and growth opportunities — surfaced without a data team.
BUILT FOR HOW YOU OPERATE
Credit unions. Banks.Finance companies. Credit unions. Banks. Finance companies.
Different organizations, different priorities. Select the profile closest to yours — the capabilities are the same platform, but the path to production and the modules you deploy first look different depending on your size and structure.
What if an FI has over 10 branches with <$500m in assets? Maybe that’s not even possible
Your clients start on mobile and walk into a branch — Loquat makes that one continuous session. CALM Portal gives your Ops team a live view across all branches.
Is the virtual card available on day 1 to the FI or the end-customer?
You don't have an IT team to dedicate to a multi-year project. Loquat is live in just a few weeks. Your team reviews — Loquat builds. Virtual card on day one.
Captive lenders Specialty finance
You don't have branches — you have a lending pipeline. Loquat delivers AI/ML underwriting, instant decisioning, and disbursement. Compliance included. Ship in weeks.
Multi-branch — what changes on day one
Omni-channel continuity
Client starts on their phone, walks into any of your branches — session is exactly where they left it. No re-entry. Staff picks it up live.
CALM Portal at scale
Live view of every application across every branch simultaneously. Exception routing, compliance dashboards, branch-level performance — one interface.
Loquat IQ
AI trained on your institution's data. Ask "Which branch had the highest approval rate this quarter?" and get the answer in seconds — no data team required.
Post-merger unification
Just completed an acquisition? Loquat puts both branch networks on one platform and gives your Ops team a single view across both legacy systems — in weeks, not quarters.
Lean-branch — what changes on day one
Live in just a few weeks
Loquat maps your core systems automatically. No extended scoping. Your IT team reviews what Loquat builds — that is the full extent of their time commitment.
Instant card issuance
Virtual card provisioned to digital wallets in the same session as account opening. Client is transacting before they leave. Top-of-wallet from day one.
Consumer & business AO
Consumer accounts in under ten minutes. Business accounts with full KYB — EIN, beneficial ownership, OFAC — in a single digital session. No branch visit required.
Digital lending
AI/ML underwriting calibrated to your risk parameters. Instant decision. Funds to virtual card same day. Also serves thin-file applicants traditional models exclude.
Finance companies — what changes on day one
Your risk model, not ours
Proprietary AI/ML underwriting calibrated to your risk parameters and lending strategy. Models improve with every application — built with you, owned by you.
Origination through disbursement
Digital application, automated underwriting, instant decisioning, document signing, and funds disbursed to virtual card — one platform, one integration.
Instant disbursement
Approved funds disbursed directly to virtual debit or credit card. Borrowers access capital immediately — no waiting for checks or ACH delays.
Compliance without the infrastructure
SOC 2 Type II certified. BSA/AML automated on every disbursement. Full audit trail for regulatory review — without building the compliance stack yourself.
Under 10 min
Application to funded account — consumer or business. Clients transacting before the session ends.
94%
Completion rate vs. 61% industry average — at 10K apps/year, that delta is 3,300 additional funded accounts.
Just a few wks
Contract to production. Every week of a legacy 18-month program is a week of revenue you're not capturing.
$0
Fraud losses. America First Credit Union — zero cases in twelve months of live production.
FINANCIAL OUTCOMES
The numbers yourboard The numbers your board needs to see
Platform metrics only matter if they translate to financial outcomes. Here is what the numbers above mean for an institution at scale.
Day 1
Interchange revenue begins
Instant virtual card issuance drives top-of-wallet status from the first session. Clients are transacting — and generating interchange — before they leave. Every session that ends with a card in a digital wallet is a revenue stream that starts immediately.
Peak
Cross-sell at the moment of highest engagement
Credit pre-qualification presented during account opening — when the client is most engaged. Higher opt-in rates than any follow-up campaign. A second product relationship established before the first session closes.
5,800+
Staff hours recaptured per year
If a branch associate currently spends 45 minutes on a manual onboarding, the delta to under 10 minutes is 35 minutes per application. At 10K apps/year, that is 5,800+ staff hours redirected from processing to relationship-building.
1
Integration replaces 3–4 separate providers
Most institutions run separate integrations for account opening, cards, lending, and analytics. Loquat consolidates all four into one. The savings are not just license fees — it is the IT overhead, vendor management, and compliance burden of maintaining multiple platforms.
THE COMPETITIVE REALITY
Your competitors are not the banks Your competitors are not the banks across the street
Community banks, credit unions, and finance companies face an asymmetric competitive challenge. Neobanks and national players have invested hundreds of millions of dollars in digital infrastructure. Most point solutions on the market address a single product lane — account opening, or lending, or card issuance — and serve either consumers or businesses, but rarely both. Fifty-seven percent of small-business owners say they will not bank with an institution that lacks digital business account opening. Loquat was built to close this gap — for any federally insured institution.
If your current completion rate is 61% and you process 10,000 applications this year, every quarter your delay is 825 applications that abandon and never return. At your average deposit size, that is deposits, interchange, and lending revenue your institution did not capture — compounding every quarter you wait.
Loquat — one platform, all four lanes
- Account opening, cards, lending, and backoffice intelligence — one integration, one partner
- Consumer and business — same platform, same session, same compliance framework
- You can go live in just a few weeks with pre-built connectors for FIS, Fiserv, Jack Henry, Q2, and Plaid
- CALM Portal: one interface, every branch, every channel, every product — live
WHAT INSTITUTIONS SAY AFTER DEPLOYMENT
What your clients &staff say after day one What your clients & staff say after day one
America First Credit Union has been live on the Loquat platform since 2025 — here is what their staff and clients say about the experience.
IMPLEMENTATION
AI builds it. You're live AI builds it. You’re live in just a few weeks.
The typical modernization program runs eighteen to thirty-six months. Loquat's AI agents map your systems, generate the documentation, build the integration, and deploy to production — your IT team reviews, Loquat executes. Pre-built connectors for FIS, Fiserv, Jack Henry, Q2, and Plaid eliminate custom development.
WEEK 1
Your team shares access
A handful of your domain experts provide access to existing APIs and codebases. That is the full extent of your team's time commitment.
WEEKS 1-2
AI agents explore
Loquat deploys AI agents to review your APIs, map complex codebases, and auto-generate implementation documentation — work that typically takes consultants months.
WEEKS 2-3
AI agents build
Our AI builds the integration, wires up connections, and delivers a production-ready implementation — validated against your sandbox, not a generic test environment.
JUST A FEW WEEKS
Go live
Your institution is in production. Post-deployment, the platform operates continuously — routing decisions, surfacing exceptions, optimising performance. Your staff stay focused on clients.
SPECIFIC SITUATIONS
Sound familiar?
Just completed an acquisition?
Two legacy onboarding systems. One deadline to unify. Loquat puts both branch networks on one platform and gives your Ops team a single view of every application across both systems — in just a few weeks.
Request a briefingCommunity bank losing SMB clients?
57% of small-business owners won't bank with an institution that lacks digital business account opening. Loquat delivers full KYB — EIN, beneficial ownership, virtual card — in a single digital session. No branch visit required.
Business account openingQUESTIONS & ANSWERS
What institutions What institutions ask most
Loquat is purpose-built for financial institutions — community banks, credit unions, regional banks, and finance companies — looking to enhance their digital banking and lending capabilities for both consumers and business clients. The platform is modular: deploy account opening, cards, lending, or any combination, tailored to your organization's needs.
Loquat employs 6+ layers of authentication and fraud detection across KYC, KYB, and AML workflows — including identity management systems (ForgeRock, Ping Identity, Microsoft Entra), real-time data checks, and end-to-end encryption. Our approach combines advanced automation with human review at key decision points, ensuring nuanced cases receive expert evaluation. America First Credit Union has been live for twelve months with zero confirmed fraud cases.
Most institutions can go live in just a few weeks. Loquat's AI agents map your systems, generate integration documentation, and build the implementation automatically. Pre-built connectors for FIS, Fiserv, Jack Henry, Q2, and Plaid eliminate custom development. Your IT team reviews — Loquat executes. Every deployment begins in a sandboxed environment; go-live is a decision you make, not a deadline we impose.
No. Loquat provides detailed documentation, integration toolkits, and hands-on technical support. Whether you have a large IT department or a lean team of two, we work with you to ensure a smooth deployment. Your team's involvement is limited to sharing API access and reviewing outputs — that is the full extent of their time commitment.
Most providers address a single product lane — account opening, or lending, or card issuance — and serve either consumers or businesses, but rarely both. Loquat activates all four product lanes (account opening, cards, lending, and backoffice intelligence) through a single integration. The platform is co-branded to your institution's identity, calibrated to your risk framework, and operational in weeks rather than months.
Loquat's pricing is aligned with growth and digital adoption. There are typically three components: an enterprise integration fee, an annual platform fee, and transaction fees based on usage. We cover pricing in detail during the first executive briefing — no commitment is required to have that conversation.
Yes. Loquat is designed to be co-branded — your logo, colors, and messaging are featured throughout the experience. From onboarding flows to the CALM Portal interface, the platform feels like a natural extension of your institution, building trust and brand recognition from day one.
Loquat connects to your existing core — no data migration required. The platform integrates with private custom-built cores, leading core providers, and banking service aggregators via API-based integrations and pre-built connections to platforms including FIS, Fiserv, Jack Henry, Q2, Plaid, and others. If your system has an API or other acceptable access method, Loquat can integrate it.
Yes. Finance companies, specialty lenders, and non-bank lenders can deploy Loquat's lending modules independently — AI/ML underwriting, origination, decisioning, disbursement, and BSA/AML compliance — without activating the account opening or cards modules. The same risk model calibration, compliance automation, and CALM Portal visibility are available in a lending-only configuration.
Loquat provides on-demand multi-lingual support including technical assistance, integration troubleshooting, and ongoing client service. We also offer train-the-trainer sessions, user documentation, and on-demand virtual training tailored to your institution's internal workflows. Support is available directly from within the CALM Portal — no separate ticketing system required.
Your competitorsare not waitingfor your next budget cycle
Request a 30-minute executive briefing. We will walk your leadership team through a live demonstration, a preliminary assessment of your integration requirements, and a realistic picture of what deployment looks like for an institution of your size. No prior commitment required.
Request a briefing