Payment Solutions

Small business lending

Disburse loan proceeds with speed and use data to stay ahead of the competition.

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The problem

Businesses need funds for everyday operational needs (i.e., inventory, equipment, and other operating expenses) and often need it quickly. Lenders strive to make data-informed decisions to mitigate risk, while growing customers and customer loyalty by funding loans quickly.

The solution

Virtual cards allow lenders to fund borrowers instantly and physical cards keep lenders’ brands top of wallet to encourage future spend and renewals.

“To succeed, we must have a strong relationship with a modern card issuing and processing partner and in Marqeta, we have a partner that truly understands our ambitions. Their technology is first class, and we’re confident it will enable us to execute against our global ambitions.”

 

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Damian Brychcy
COO

Key benefits for small business lending

Instant issuance of virtual cards

Fund loans within minutes of the borrower’s approval.

Physical cards

Easily issue physical cards to drive stickiness and keep the brand top of wallet and top of mind for the borrower.

Dynamic spend controls

Control spend by only authorizing a borrower’s transactions with specific merchants or merchant categories (e.g., office equipment or certain suppliers).

JIT (Just-in-Time) Funding

Reduce fraud and optimize cash flow by authorizing transactions and releasing funds in real time.

Webhooks

Enable real-time communications with the borrower (e.g., when a borrower makes a purchase, the lender sees the transaction and can offer the borrower additional capital).

Debt consolidation

Eliminate the need for borrowers to carry multiple loans that can default and result in a loss of funds. Offer convenience and value by consolidating loans with a better rate.

Platform overview

An API-first technology platform that will shape the future of your payments

​Solutions overview

Modern card issuing that is powering innovative payment experiences across industries

Developer portal

Start building your card program

  • Developer guides

    Discover key concepts of the Marqeta platform with hands on tutorials

  • Data insights

    View filterable, curated production data and personalized insights

  • Core API

    Issue cards, fund accounts, manage payments, and more

  • API explorer

    Explore our endpoints, make API requests, and quickly prototype your product

About us

We are on a mission to empower the world’s innovators