Partnership connects Loquat’s omnichannel business account opening platform with Onsetto’s structured activation infrastructure — taking institutions from first click to primary operating relationship
Miami, Florida and Minneapolis, Minnesota — March 5, 2026 — Loquat, a fintech innovator enabling banks and credit unions to offer smart consumer and business banking, and Onsetto, a structured activation platform for business banking, today announced a strategic partnership to help community financial institutions turn business account acquisition into fully activated, primary operating relationships.
Strong account opening is the starting line, not the finish line. Loquat’s business banking platform delivers frictionless, omnichannel onboarding that gets customers in the door and funded fast. Onsetto picks up from there — systematically migrating payroll, receivables, and payables to turn that new account into a primary operating relationship. Together, the two platforms cover the full journey from acquisition to activation.
“At Loquat, we simplify banking for businesses starting with easy account setup. Onsetto takes this a step further by turning these accounts into essential partnerships. Together, we are providing financial institutions with a powerful strategy to succeed in business banking.“
— Zarina Tsomaeva, CEO and Founder, Loquat
“Modernization efforts often stop at improving account opening. Sustainable deposit growth requires moving payroll, receivables, and payables quickly to establish primacy. Partnering with Loquat allows institutions to integrate structured activation into their broader strategy, ensuring that digital investments drive measurable relationship and funding outcomes.“
— Cale Johnston, Founder and CEO, Onsetto
About partnership
Through the partnership, financial institutions will benefit from Loquat’s omnichannel account opening, lending, virtual card issuance, and back-office automation working in concert with Onsetto’s activation infrastructure — systematically migrating operating flows into new relationships to reduce time to funding and strengthen long-term client retention. Neither solution requires disruptive core or digital banking replacement, enabling rapid deployment alongside existing technology investments.
This partnership reflects both organizations’ commitment to helping community institutions compete more effectively — not simply by opening accounts, but by securing primary operating relationships through a structured, measurable approach to business banking growth.
About Loquat Inc.
Loquat is a fintech innovator enabling banks and credit unions to offer smart consumer and business banking to their customers and members. Its end-to-end platform supports business account onboarding, virtual card issuance, automated lending, omnichannel delivery, and back-office lifecycle management through the CALM portal — all through a single API integration. SOC 2 Type 2 certified and built for community banks and credit unions. Headquartered in Miami, Florida.
To learn more about Loquat, visit: www.loquatinc.io
About Onsetto
Onsetto delivers structured activation infrastructure for business banking, enabling financial institutions to capture the Core Operating Account and establish primacy from day one. By systematically moving payroll, receivables, payables, and operating flows into new relationships, the platform accelerates funding velocity and transforms account openings into fully activated, primary business relationships. Built without requiring core or digital banking integration, Onsetto is fast to implement and designed to support scalable, sustainable deposit growth. Learn more at onsetto.com
Media contacts
Loquat Inc.
John Gernahauser | john.gernhauser@loquatinc.io | loquatinc.io
Onsetto
Lindsey Johnston | lindsey@onsetto.com | onsetto.com
